The top-rated long-term care insurance agent in North Royalton, Ohio is Tina Stopar - State Farm Insurance Agent, rated 5.0 stars across 317 reviews. Other highly rated options include HealthMarkets Insurance - Laura Weible, Chris Winkelmann - State Farm Insurance Agent, International Insurance Group. This directory lists 17 long-term care insurance agents serving North Royalton.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Tina Stopar - State Farm Insurance Agent | 5701 Royalton Rd | (440) 237-9661 |
| 2 | HealthMarkets Insurance - Laura Weible | 5740 Royalwood Rd Unit A | (440) 263-3070 |
| 3 | Chris Winkelmann - State Farm Insurance Agent | 8743 Ridge Rd | (440) 237-4200 |
| 4 | International Insurance Group | 5171 Wallings Rd #250 | (216) 332-9940 |
| 5 | Pfister Insurance | 11807 Royalton Rd | (440) 237-8484 |
| 6 | Ron Less: Allstate Insurance | 6052 Royalton Rd | (440) 582-8800 |
| 7 | Tirah Thompson - State Farm Insurance Agent | 12873 Royalton Rd | (440) 628-8488 |
| 8 | Keeping Medicare Simple | 13374 Ridge Rd | (440) 210-4077 |
| 9 | Walsh Insurance Group LLC | 19055 State Rd | (440) 888-6242 |
| 10 | Farmers Insurance - Michael Wasinski | 12333 Ridge Rd | (440) 877-4000 |
Tina Stopar - State Farm Insurance Agent serves North Royalton, Ohio, and the surrounding Cuyahoga County area. As a local long-term care insurance agent, the company helps clients plan for future healthcare needs and protect their assets. Services include assessing individual policy options to cover nursing home stays, assisted living, and in-home care expenses. The agency also provides guidance on policy riders for inflation protection and waiver of premium features.
HealthMarkets Insurance - Laura Weible provides guidance on long-term care insurance options for individuals in the North Royalton, OH area. The agency helps clients assess their needs and select policies covering home care, assisted living, or nursing facility expenses. Service includes reviewing existing plans and assisting with claims questions. The agency maintains client relationships to adjust coverage as personal circumstances change over time. This long-term care insurance agent services individuals and couples seeking to protect savings from the high costs of extended care in their own homes, apartments, or retirement communities.
Chris Winkelmann - State Farm Insurance Agent in North Royalton, Ohio, serves local homeowners, retirees, and families preparing for future health needs. This long-term care insurance agency helps clients develop plans to cover extended care costs, including nursing home stays or in-home assistance. The agent guides individuals through policy options, clarifying coverage details and benefits. Personal consultations ensure each plan fits the client’s financial goals. The agency also supports residents in neighboring communities such as Broadview Heights and the broader Cleveland metro region, helping more people secure long-term care protection.
Serving the greater Cleveland area including North Royalton, Ohio, and its surrounding communities, International Insurance Group handles long-term care insurance planning for local clients. The company focuses on policies designed to cover expenses related to extended home care, assisted living, and nursing facility stays. By analyzing each individual’s financial situation and potential future needs, it compares options from multiple insurers. A typical job begins with a detailed consultation to assess risk exposure, followed by presenting customized policy alternatives for the client to review.
Pfister Insurance in North Royalton, OH helps clients distinguish between one-time policy consultations and the ongoing need for premium management, while also comparing the term lengths and benefit triggers available for long-term care coverage. The agent explains how policies address assisted living, home health, and nursing home expenses in this region. Their long-term care insurance service runs on either a scheduled or as-needed basis depending on your situation.
Ron Less: Allstate Insurance in North Royalton, OH provides long-term care insurance as a specialty service, helping clients plan for the costs of extended home health care or nursing facility stays. In its general insurance work, it assists area residents with policy selection and coverage questions. As older adults approach retirement or face a sudden decline in health, the agency helps them address the financial challenge of paying for ongoing personal care without depleting savings.
As winter approaches in North Royalton, OH, many families begin planning for the potential need for extended care for aging relatives. Tirah Thompson - State Farm Insurance Agent provides guidance on long-term care insurance policies intended to help cover home care, assisted living, or nursing facility expenses. The company helps explain the differences in policy structures and benefit options during an initial coverage-needs discussion. New clients are invited to schedule a complimentary policy review to evaluate whether their current health and financial situation would benefit from an updated long-term care plan.
Keeping Medicare Simple helps individuals plan for long-term care needs through specialized insurance coverage. Based in North Royalton, OH, the company focuses on policies that assist with home care, assisted living, and nursing facility expenses. As a long-term care insurance agent, the firm guides clients through coverage options designed to protect assets and reduce the financial burden of extended care. It serves commercial sectors like corporate offices, warehouses, and food service establishments, helping business owners and their employees understand available benefits for potential future care requirements.
Walsh Insurance Group LLC offers long-term care insurance services to residents of North Royalton, Ohio. The agency also provides commercial coverage options for local businesses seeking employee benefits within the greater Cleveland area. Its agents help clients navigate policy planning for future care needs. They follow up periodically between regular visits to review coverage details and address any changes in circumstances.
What Does a a Long-Term Care Insurance Agent in North Royalton Cost?
Typical costs for long term care insurance in Ohio range from 100 to 400 dollars per month for a 55 year old depending on benefit amount and inflation options. A policy with a 150 dollar daily benefit and 3 year term might cost around 200 dollars per month. Costs increase significantly for applicants over age 65. This is general information not insurance advice. Consult a licensed agent for a personalized quote.
About long-term care insurance agents in North Royalton
Long-term care insurance agents in North Royalton Ohio help residents plan for future care costs that Medicare does not cover. Ohio law allows for partnership policies that provide dollar for dollar asset protection. These agents can explain how Ohio Medicaid rules interact with private insurance to protect your savings.
Frequently Asked Questions
What does a long-term care insurance agent in North Royalton do?
An agent helps you compare policies from different carriers to find coverage that fits your budget and health needs. They explain Ohio specific options like inflation protection and shared care policies for couples. They also assist with the application process including health underwriting.
How does Ohio law affect long-term care insurance?
Ohio requires agents to follow strict disclosure rules about policy benefits and limitations. The state also offers a Long Term Care Partnership Program that allows policyholders to protect assets equal to the benefits paid out. This means you can keep more of your savings if you later need Ohio Medicaid.
What is the typical cost for long-term care insurance in Ohio?
Costs vary based on age health and benefit amount. A 55 year old might pay between 150 and 300 dollars per month for a standard policy with a 3 year benefit period and 5 percent inflation protection. Premiums can be higher for older applicants or those with health conditions.
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