The top-rated long-term care insurance agent in Cleveland, Ohio is Globe Life Family Heritage Division, rated 4.5 stars across 960 reviews. Other highly rated options include Acceptance Insurance, Evarts Tremaine, Gluckle Insurance Agency. This directory lists 15 long-term care insurance agents serving Cleveland.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Globe Life Family Heritage Division | 6001 E Royalton Rd Suite 200 | (440) 922-5222 |
| 2 | Acceptance Insurance | 3360 Warren Rd | (216) 249-7983 |
| 3 | Evarts Tremaine | 1111 Superior Ave Suite 1650 | (216) 621-7183 |
| 4 | Gluckle Insurance Agency | 4768 Broadview Rd | (216) 404-7511 |
| 5 | Insurance Systems Group, Inc. | 3 Summit Park Dr #525 | (216) 236-7760 |
| 6 | Brooks & Stafford Company | 55 Public Square #1650 | (216) 696-3000 |
| 7 | Joe Potts Insurance Agency | 12300 Lorain Ave | (216) 251-7374 |
| 8 | Smart Insurance Cleveland | 4421 W 150th St | (216) 220-6691 |
| 9 | Integrity First Insurance Agency | 12 Aetna Rd | (216) 202-8393 |
| 10 | Cleveland Insurance Inc | 5851 Twin Lakes Dr | (216) 354-2036 |
Globe Life Family Heritage Division serves the Cleveland, Ohio metro area and the surrounding Cuyahoga County. As a long-term care insurance agent, the company helps individuals plan for future custodial and personal care needs. These policies can cover expenses not typically included by standard health insurance or Medicare, such as assistance with daily living activities at home or in a facility. The agent specializes in guiding clients through policy selection for in-home care and nursing home coverage.
Acceptance Insurance in Cleveland, Ohio offers long-term care insurance policies tailored to local residents. The agency helps clients plan for the costs of extended nursing home stays, assisted living, and home-based care. It guides individuals through policy options that cover daily personal and medical support needs. This agent can arrange a complimentary policy review to examine existing coverage for gaps or changes. It additionally provides advice on blending long-term care benefits with life insurance riders.
Evarts Tremaine provides long-term care insurance services to clients in Cleveland, Ohio, focusing on helping individuals plan for future care needs. Their coverage options typically include policies designed to protect assets while ensuring access to quality care services. They assist with plan selection, policy evaluation, and claims support to maintain ongoing client protection. Their service approach involves reviewing current coverage and helping adjust plans as personal circumstances change over time. The company serves a broad range of properties, including single-family homes, apartments, retail establishments, and restaurants.
Seniors and families in Cleveland, Ohio seeking financial protection against the high costs of future care rely on Gluckle Insurance Agency. This agency helps clients plan for long-term care expenses by explaining policy options that cover home care, assisted living, and nursing home services. The agent works closely with individuals to assess their personal savings and health goals before recommending suitable coverage. Gluckle Insurance Agency also serves the greater Cuyahoga County metro area, including the surrounding suburbs of Shaker Heights and Lakewood.
Insurance Systems Group, Inc., located in Cleveland, OH, assists clients in differentiating between one-time policy consultations and the ongoing management of their long-term care coverage. The agency guides individuals through selecting appropriate plans that address future care needs while preserving assets. Its services typically begin with an initial assessment to recommend suitable policies, followed by periodic reviews to adjust coverage as circumstances change. This support is offered on a scheduled basis, ensuring clients can revisit their long-term care strategies at regular intervals.
Brooks & Stafford Company focuses on helping individuals navigate long-term care insurance options by evaluating coverage needs and presenting suitable policy choices. As a long-term care insurance agent in Cleveland, Ohio, the firm assists clients with understanding policy benefits, premium structures, and application processes. The company also helps families address financial planning for care that basic health insurance does not cover. When aging parents require sudden assisted living or in-home nursing, the agency provides guidance on activating benefits and managing claims during these urgent transitions.
Joe Potts Insurance Agency serves clients in Cleveland, Ohio, and the surrounding communities, handling specialized long-term care insurance needs for individuals and families. This local agency focuses on policies that help cover nursing home stays, assisted living, and home-based care expenses. It works with residents to compare plan options and understand coverage details. To handle a typical job, the agency gathers each client’s personal health context and budget, then provides a straightforward explanation of policy differences before assisting with final paperwork.
Smart Insurance Cleveland serves residential clients in the Cleveland area seeking long-term care insurance to help cover future personal care needs. The agency also provides coverage options for commercial entities in the region. With long-term care policy design, they assist clients throughout Cuyahoga County and surrounding communities. The team focuses on matching policy features to each individual’s potential future requirements. They follow up with policyholders to discuss any changes in needs between regular service visits.
Integrity First Insurance Agency helps individuals and families in the Cleveland area plan for the financial impact of extended care needs. As a long-term care insurance agent, the agency focuses on policies that cover services not included in standard health or disability insurance, such as nursing home care, home health aides, and assisted living facility stays. Advisors assess clients’ assets and health history to recommend suitable coverage levels. Commercial sectors the firm can serve include local offices, warehouses, and food service operations.
What Does a a Long-Term Care Insurance Agent in Cleveland Cost?
Long-term care insurance premiums in Ohio vary by age health and coverage level. For a 55 year old in Cleveland a typical policy might cost 150 to 300 per month for 150000 in initial benefits. Rates for a 65 year old can range from 250 to 500 per month. Ohio law requires agents to provide a personalized quote based on your health history. This is general information not insurance advice.
About long-term care insurance agents in Cleveland
Long-term care insurance agents in Cleveland Ohio help residents plan for future care costs such as nursing homes or home health aides. Ohio law requires agents to hold a valid insurance license and follow state regulations including the Ohio Long-Term Care Insurance Act. Working with a local agent ensures you understand Ohio specific rules like the 30 day free look period and partnership program options.
Frequently Asked Questions
What qualifications should a long-term care insurance agent in Cleveland have?
Agents must hold an Ohio insurance license with a long-term care partnership designation. They should complete annual training on Ohio regulations and product updates. Ask if they specialize in long-term care and have experience with Ohio partnership policies.
How does the Ohio Long-Term Care Partnership Program work?
This program allows you to protect assets equal to the benefits paid by your policy. For example if your policy pays 100000 in benefits you can keep 100000 in assets and still qualify for Medicaid. A Cleveland agent can explain how this works with your specific financial situation.
What is the free look period for long-term care insurance in Ohio?
Ohio law gives you a 30 day free look period after buying a policy. You can cancel for any reason within 30 days and receive a full refund. An agent must inform you of this right at the time of purchase.
Long-Term Care Insurance Agents in Other Ohio Cities
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