The top-rated long-term care insurance agent in Huber Heights, Ohio is Acceptance Insurance, rated 4.8 stars across 601 reviews. Other highly rated options include Nathan Baker - State Farm Insurance Agent, Ronnie Redd - State Farm Insurance Agent, Tyrone Collier American Family Insurance. This directory lists 10 long-term care insurance agents serving Huber Heights.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Acceptance Insurance | 6100 Chambersburg Rd | (937) 235-1450 |
| 2 | Nathan Baker - State Farm Insurance Agent | 7025 Old Troy Pike | (937) 236-9950 |
| 3 | Ronnie Redd - State Farm Insurance Agent | 6571 Brandt Pike | (937) 233-3728 |
| 4 | Tyrone Collier American Family Insurance | 6373 Kittyhawk Commons Dr | (937) 235-9010 |
| 5 | Joel Gruber - State Farm Insurance Agent | 7283 Old Troy Pike | (937) 233-7300 |
| 6 | Macy Agency: Allstate Insurance | 7029 Taylorsville Rd Ste C | (937) 233-4455 |
| 7 | Medicare Advisors | 7760 Brandt Pike | (937) 603-2999 |
| 8 | Roger Crisp - State Farm Insurance Agent | 6022 Old Troy Pike | (937) 233-4504 |
| 9 | Dave Hall: Primerica - Financial Services | 7021 Old Troy Pike | (937) 274-7800 |
| 10 | Nationwide Insurance: Owen J Estep | 4756 Fishburg Rd | (937) 235-5800 |
Acceptance Insurance serves homeowners, businesses, and families in Huber Heights, Ohio who need assistance planning for the financial impact of extended care. As a Long-Term Care Insurance Agent, the company helps clients understand policy options that can protect savings and assets from the high costs of nursing homes, assisted living, or home health care. Guidance is offered on both traditional and hybrid life insurance with long-term care riders. The agency also serves individuals across the Dayton metropolitan area, including the neighboring community of Riverside.
Nathan Baker - State Farm Insurance Agent serves the Huber Heights, Ohio, area and the surrounding Miami Valley region as a long-term care insurance agent. The agency helps individuals and families plan for future care needs by explaining policy options that cover services like nursing home stays and home health aides. It guides clients through the process of selecting coverage suited to their financial situations and health considerations. Specific services managed include assistance with policy comparisons and enrollment for long-term care benefits.
Ronnie Redd - State Farm Insurance Agent in Huber Heights, OH, provides a range of long-term care insurance services, including coverage planning for chronic illness, disability, and assisted living needs. The agent offers policy reviews and benefit adjustments to help clients maintain adequate protection as their circumstances change over time. The office also assists with premium analysis and claims filing guidance. Its services cover residential clients, as well as properties such as single-family homes, apartments, retail locations, and restaurants.
Tyrone Collier American Family Insurance in Huber Heights, Ohio, serves local homeowners and families seeking financial protection through long-term care insurance policies. The agency assists clients in planning for future care needs that may arise from chronic illness, disability, or aging. These services help protect personal savings and assets while enabling individuals to maintain choices about their care setting. Coverage options are explained clearly to homeowners and individuals considering how to prepare for potential extended care expenses. The agency also serves residents in surrounding communities throughout the Dayton metropolitan area.
Serving Huber Heights and the surrounding Miami Valley communities, Joel Gruber - State Farm Insurance Agent handles long-term care insurance planning for local clients. This agency helps individuals assess potential future care needs, including policies that cover nursing home, assisted living, or in-home support services. For each situation, the agency reviews personal financial goals and health factors to recommend coverage options that address potential long-term care costs within a client’s budget.
For long-term care insurance, Macy Agency: Allstate Insurance in Huber Heights, OH helps clients distinguish between one-time policy purchases covering a defined period and recurring options that automatically renew coverage for ongoing protection. Each plan addresses potential costs of in-home assistance, assisted living, or skilled nursing care that standard health insurance does not cover. The agency’s services operate on an as-needed basis, supporting individuals through both initial policy selection and future claim navigation without a recurring service commitment.
As the seasons change and families in Huber Heights begin planning for future healthcare costs, Medicare Advisors helps local seniors explore coverage options that protect savings from extended care expenses. Working as a long-term care insurance agent in this area requires careful explanation of policy structures and premium variations across providers. The company assists clients in comparing benefit periods and eligibility requirements. An initial assessment of individual health history and financial goals typically begins the process of tailoring a suitable plan.
Roger Crisp - State Farm Insurance Agent offers long-term care insurance planning, helping clients prepare for potential future care needs while protecting their assets. The agency also provides general insurance services to residents of Huber Heights, OH, assisting with various coverage options tailored to individual circumstances. Long-term care policies address costs for in-home assistance, assisted living, or nursing facility stays that Medicare does not cover. This service is especially valuable during open enrollment periods or when a family member faces a sudden health change requiring immediate care arrangements.
Dave Hall: Primerica - Financial Services provides financial guidance to clients in Huber Heights, Ohio. The agency specializes in long-term care insurance agent services, helping individuals plan for future care needs with appropriate coverage options. Broader financial consultations often accompany these insurance discussions to create cohesive protection plans. This practice supports various commercial sectors by offering coverage strategies for business continuity, staff benefits, and client financial planning needs in local offices, warehouses, and food service operations.
Nationwide Insurance: Owen J Estep provides long-term care insurance services to residents in Huber Heights and the surrounding area. This agency assists individuals in planning for potential future care needs. A local office can help clients understand coverage options designed to protect assets. Home and auto insurance policies are also available from this agent. The office serves the greater Dayton region. Follow-up service is offered between regular annual visits to adjust coverage as circumstances change.
What Does a a Long-Term Care Insurance Agent in Huber Heights Cost?
Long-term care insurance premiums in Ohio vary by age, health, and coverage level. A typical policy for a 55-year-old may cost between $1,500 and $3,000 per year. Older applicants or those with health issues may pay higher rates. This is general information and not insurance advice.
About long-term care insurance agents in Huber Heights
Long-term care insurance agents in Huber Heights, Ohio help residents plan for future care needs such as nursing home or home health services. Ohio offers a partnership program that allows policyholders to protect some assets while qualifying for Medicaid. Local agents can explain how these plans work with Ohio law and your personal situation.
Frequently Asked Questions
What does a long-term care insurance agent in Huber Heights do?
An agent helps you compare policies from different insurers and choose coverage for services like assisted living or in-home care. They explain Ohio-specific options such as the Long-Term Care Partnership Program. Agents do not provide legal advice but can guide you on policy features.
How does Ohio law affect long-term care insurance policies?
Ohio requires insurers to offer inflation protection and nonforfeiture benefits in certain policies. The state also has a 30-day free look period where you can cancel a new policy for a full refund. Agents must follow Ohio Department of Insurance rules when selling these plans.
Can I use a long-term care insurance policy with Medicaid in Ohio?
Yes, Ohio has a partnership program that lets you keep assets equal to the benefits paid by your policy if you later need Medicaid. This helps you qualify for Medicaid without spending down all your savings. An agent can explain how partnership policies work in Huber Heights.
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