The top-rated long-term care insurance agent in Rockville Centre, New York is Oscar Espinal - State Farm Insurance Agent, rated 5.0 stars across 671 reviews. Other highly rated options include Farmers Insurance - Nestor Morales, Beth Moss I American Senior Benefits, Alexander Anderson: Allstate Insurance. This directory lists 17 long-term care insurance agents serving Rockville Centre.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Oscar Espinal - State Farm Insurance Agent | 566 Merrick Rd | (516) 208-4451 |
| 2 | Farmers Insurance - Nestor Morales | 268 Merrick Rd | (516) 881-9099 |
| 3 | Beth Moss I American Senior Benefits | 119 N Park Ave | (516) 240-1079 |
| 4 | Alexander Anderson: Allstate Insurance | 530 Merrick Rd | (516) 544-2022 |
| 5 | RVC Insurance Agency | 450 Sunrise Hwy Unit 2A | (516) 608-9192 |
| 6 | Goosehead Insurance - Kimberly Kelly | 43 Clinton Ave Suite 1B | (516) 526-5719 |
| 7 | Diane McGrath - State Farm Insurance Agent | 75 N Park Ave | (516) 678-8282 |
| 8 | J.A. Faccibene & Associates, Inc. | 100 Merrick Rd | (516) 766-3513 |
| 9 | Everyday Insurance NY | 119 N Park Ave | (914) 458-7475 |
| 10 | JCH Insurance | 265 Sunrise Hwy #65 | (516) 388-7246 |
Oscar Espinal - State Farm Insurance Agent serves the Rockville Centre, New York area as a long-term care insurance agent. The company helps individuals plan for future care needs by offering policies that cover home care and facility-based services. These policies are designed to protect personal assets and manage the high costs associated with extended care. The agency also provides one-on-one consultations to evaluate coverage options. In this area, it handles policy comparisons and personalized coverage recommendations.
As a dedicated long‑term care insurance agent, Farmers Insurance - Nestor Morales offers comprehensive planning to help clients protect their assets while preparing for future care needs. It provides ongoing policy reviews and claims assistance to ensure coverage remains aligned with evolving circumstances. The firm serves individuals and families in Rockville Centre, NY, guiding them through plan selection and benefit coordination. Its services are available for those living in single‑family homes, apartments, retail locations, and restaurants.
Serving individuals and families in Rockville Centre, Beth Moss, in association with American Senior Benefits, assists clients with long-term care insurance coverage. The agency helps people plan for potential future needs involving home care, assisted living, or nursing facility expenses by evaluating policy options from various carriers. It aims to provide clarity on complex coverage decisions. The practice also extends its services to clients throughout Nassau County, including the neighboring community of Oceanside.
Serving Rockville Centre, NY, and the surrounding communities, Alexander Anderson: Allstate Insurance handles long-term care insurance policies for individuals planning for future care needs. This agency works with clients to navigate policy options that help cover expenses associated with extended home health care or nursing facility stays. The typical process begins with a thorough consultation to review a client’s financial situation and health history, then recommends suitable coverage from available plans on the market.
Unlike a one-time policy purchase, RVC Insurance Agency provides guidance that extends beyond a single transaction into recurring service for policy adjustments over time. This long-term care insurance agent in Rockville Centre, NY, helps clients explore coverage options designed to protect assets from the high costs of extended care. The agency focuses on explaining how such policies coordinate with existing health plans and family financial goals. Service runs on an as-needed basis, beginning with an initial consultation and continuing whenever the client requires a policy review or modification.
As Rockville Centre residents consider their future care needs, Goosehead Insurance - Kimberly Kelly offers guidance on long-term care insurance options that can protect savings. The agency works with local clients to evaluate potential risks like chronic illness or disability requiring extended assistance. Policies under review often cover home health aides or nursing facility stays. The initial assessment step begins by scheduling a consultation to examine individual health profiles and financial priorities.
Diane McGrath - State Farm Insurance Agent in Rockville Centre, NY, specializes in long-term care insurance, assisting clients in planning for future care needs while protecting assets. The agency also offers general insurance services and personalized risk management advice. With a focus on financial security, it helps local families navigate the complexities of policy selection and coverage eligibility. Before the holiday season, the agency often works with adult children assessing long-term care options for aging parents.
J.A. Faccibene & Associates, Inc. provides long-term care insurance services to individuals and businesses in Rockville Centre, NY. The company focuses on helping clients plan for future care needs through specialized policy options. Agents assess personal circumstances to recommend suitable coverage amounts and benefit structures. This work includes assisting with policy comparisons and application procedures. The firm can serve a variety of commercial sectors, including offices, warehouses, and food service operations.
Everyday Insurance NY serves residents of Rockville Centre and the surrounding Long Island area. The company assists individuals in evaluating plans that provide financial protection against future long-term care costs like home health services or assisted living. Commercial long-term care coverage is also available to help businesses safeguard their employees and operations. The agency works with interested parties to review policy options on an ongoing basis and remains available for follow-up questions or adjustments between scheduled annual reviews.
JCH Insurance, based in Rockville Centre, NY, is known for providing long-term care insurance policies that help clients plan for future care needs. The firm guides individuals through plan selection and policy enrollment, offering strategies for protecting assets against the high cost of extended home care, assisted living, or nursing facility stays. In this area, agents like JCH Insurance assess personal risk factors and financial goals to recommend appropriate coverage options. In addition to standard policies, JCH Insurance can offer lifetime benefit riders to enhance long-term security.
What Does a a Long-Term Care Insurance Agent in Rockville Centre Cost?
Typical costs for long-term care insurance in New York vary widely based on age, health, and policy features. A 55-year-old might pay between $1,500 and $3,000 per year for a standard policy, while a 65-year-old could pay $2,500 to $5,000 annually. New York Partnership policies may have different pricing structures. This is general information and not insurance advice.
About long-term care insurance agents in Rockville Centre
Long-term care insurance agents in Rockville Centre help residents plan for future care costs while protecting assets. New York offers a Partnership for Long-Term Care program that allows policyholders to keep assets equal to the benefits paid. Agents guide clients through policy options and New York-specific regulations to find suitable coverage.
Frequently Asked Questions
What does a long-term care insurance agent do in Rockville Centre?
An agent helps you compare policies from multiple insurers and explains coverage options like daily benefit amounts and elimination periods. They also inform you about New York state rules, such as the 30-day free look period for new policies. Agents do not provide legal advice but can clarify how policies work with your financial plan.
Are there New York-specific requirements for long-term care insurance?
Yes, New York requires insurers to offer inflation protection and nonforfeiture benefits. Policies must also include a 30-day free look period during which you can cancel for a full refund. The New York Partnership program offers asset protection for those who qualify.
How do I choose a long-term care insurance agent in Rockville Centre?
Look for an agent licensed in New York with experience in long-term care policies. Ask about their familiarity with the Partnership program and whether they represent multiple insurance companies. Verify their credentials with the New York State Department of Financial Services.
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