The top-rated long-term care insurance agent in Massapequa, New York is Michael Rogers: Allstate Insurance, rated 4.9 stars across 135 reviews. Other highly rated options include Diana Casey - State Farm Insurance Agent, The Zabbia Insurance Agency, Completely Covered Insurance. This directory lists 12 long-term care insurance agents serving Massapequa.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Michael Rogers: Allstate Insurance | 569 Broadway | (516) 541-3000 |
| 2 | Diana Casey - State Farm Insurance Agent | 1093 N Broadway | (516) 753-0060 |
| 3 | The Zabbia Insurance Agency | 744 N Broadway | (516) 799-3800 |
| 4 | Completely Covered Insurance | 5649 Merrick Rd | (516) 795-2642 |
| 5 | Raymond J Stroveglia: Allstate Insurance | 5516 Merrick Rd | (516) 795-6600 |
| 6 | NY Sunrise Agency Inc. | 5462 Merrick Rd | (516) 797-2090 |
| 7 | Metro Elder Care Inc | 4585 Merrick Rd | (516) 797-0601 |
| 8 | Maximus Insurance | 684 Broadway | (800) 698-3966 |
| 9 | Ace Insurance | 941 Carmans Rd | (516) 882-4520 |
| 10 | Vincent Joseph Pernice: Primerica - Financial Services | 898 N Broadway #4 | (516) 308-7755 |
Michael Rogers: Allstate Insurance serves Massapequa, New York, and the surrounding Nassau County communities. It handles the sale and management of long-term care insurance policies for local residents. These plans help cover in-home care, assisted living, and nursing home expenses during extended illness or aging. The agent typically evaluates each client’s current health, financial resources, and future needs before recommending an appropriate coverage option from the available product lines. The general approach used is a one-on-one consultation to explain policy details and cost structures clearly.
Diana Casey - State Farm Insurance Agent in Massapequa, NY, offers a range of insurance services including long-term care insurance. This agency assists clients with planning for future care needs by explaining policy options and coverage details. Maintenance of these policies includes periodic reviews to adjust benefits as circumstances change. Service plans often involve coordinating with clients to ensure their long-term care strategies remain aligned with personal goals and financial situations. The agency services single-family homes, apartments, retail locations, and restaurants in the surrounding area.
Residents of Massapequa who are concerned about the financial impact of a future need for extended care or skilled nursing services can turn to The Zabbia Insurance Agency for guidance. This local long-term care insurance agent helps individuals and families evaluate policies that can protect assets and cover home health aides, assisted living, or nursing home care. The agency assists clients in understanding their coverage options and customizing plans for their retirement years. It also serves nearby communities throughout Nassau County and the greater Huntington area.
Completely Covered Insurance serves Massapequa, NY, and the surrounding communities on Long Island. The firm specializes in helping individuals and families navigate long-term care insurance policies and coverage options. It handles the process of evaluating a client’s needs, explaining policy benefits, and comparing plans from various carriers. To handle a typical job, this agency takes a consultative approach, starting with a detailed conversation to understand a client’s specific financial situation and future care preferences before recommending any particular policy.
Raymond J Stroveglia: Allstate Insurance in Massapequa, NY helps individuals distinguish between long-term care policies structured as one-time benefit pools and those offering recurring daily or monthly service limits. Coverage typically addresses assistance with daily activities, such as bathing or dressing, which Medicare does not fully cover. Policy details depend on each client's health history and long-term financial planning needs. Service runs on an as-needed basis, with appointments arranged solely when an individual requests a policy review, quote, or renewal assistance.
NY Sunrise Agency Inc. specializes in assisting clients with selecting long-term care insurance policies that cover nursing home, assisted living, and in-home care. It provides personalized consultations to help individuals in the Massapequa area understand policy options, plan for future healthcare costs, and protect assets from depletion. The agency also supports clients with enrollment and offers guidance on how to coordinate benefits with Medicare or Medicaid. It specifically helps families anticipate coverage needs when a parent's health unexpectedly declines during a seasonal illness.
Metro Elder Care Inc operates as a long-term care insurance agent in the Massapequa, New York area, assisting clients with planning for future medical and personal care needs. The company specializes in policies that cover extended care services, including nursing home stays and home-based assistance. These plans are designed to work alongside standard health coverage. Its services are available to individuals and businesses, providing support for offices, warehouses, and food service establishments in the region.
As families across Nassau County begin planning for their retirement years, the need for reliable coverage that protects savings from extended medical expenses becomes pressing. Maximus Insurance in Massapequa provides guidance on long-term care insurance, helping local residents evaluate policy options that support their future independence. The agency focuses on explaining coverage details in clear terms without pressure. For anyone considering this important financial decision, Maximus Insurance begins the process with a straightforward initial assessment of individual care needs and potential benefits.
Ace Insurance assists residents in Massapequa, New York, with their long-term care insurance needs, helping individuals plan for future personal and home-based care. The agency also covers commercial clients seeking appropriate policies for their business operations throughout the local area. By providing clear guidance on policy options, the service helps customers make informed decisions regarding their coverage. After initial consultations, the agent remains available for follow-up support, offering adjustments and regular policy reviews between scheduled visits.
Vincent Joseph Pernice: Primerica - Financial Services, located in Massapequa, NY, is known for guiding clients through the complexities of securing long-term care insurance. Its service range includes assessing individual health and financial situations to find suitable coverage that helps protect assets and independence. The agent works closely with local families to explain policy options for in-home, assisted living, and nursing facility care. As a specialty service, the company can structure policies with inflation protection riders to help benefits keep pace with rising care costs over time.
What Does a a Long-Term Care Insurance Agent in Massapequa Cost?
In New York, the cost of a long-term care insurance policy varies widely based on your age and health. For a healthy 55 year old, a standard policy with a 160 dollar daily benefit and a 3 year term may cost around 2,500 to 3,500 per year. A 65 year old might pay 4,000 to 6,000 per year for similar coverage. These are rough estimates and actual premiums depend on your specific case and the insurer. This is general information and not insurance advice.
About long-term care insurance agents in Massapequa
Long-term care insurance agents in Massapequa, New York help residents plan for future care costs such as nursing home or home health aide services. New York State offers a Partnership for Long-Term Care program that allows policyholders to protect a portion of their assets if they need Medicaid later. Working with a local agent can help you understand how these policies fit your budget and health situation.
Frequently Asked Questions
What is the New York Partnership for Long-Term Care?
The New York Partnership is a state program that combines private long-term care insurance with Medicaid asset protection. If you buy a qualified partnership policy, you can keep assets equal to the benefits paid by the policy and still qualify for Medicaid. This program is only available through licensed agents who sell approved partnership policies.
How do I choose a long-term care insurance agent in Massapequa?
Look for an agent who is licensed in New York and has experience with long-term care insurance. Ask about their familiarity with New York specific rules, such as the 90 day elimination period and inflation protection requirements. You can verify an agents license through the New York State Department of Financial Services website.
What factors affect the cost of long-term care insurance in New York?
Premiums depend on your age, health, the daily benefit amount, and the benefit period. For a 55 year old in New York, a policy with a 3 year benefit period and 5 percent compound inflation might cost between 2,000 and 4,000 per year. Costs are higher for older applicants and for policies with longer benefit periods.
Long-Term Care Insurance Agents in Other New York Cities
Albany · Amherst · Babylon · Bay Shore · Bethpage · Binghamton · Bronx · Brooklyn · Buffalo · Cicero · Clarence · Clifton Park · Commack · Deer Park · East Meadow