The top-rated long-term care insurance agent in Troy, Ohio is Freeman Groves Insurance And Financial Services Inc, rated 4.9 stars across 208 reviews. Other highly rated options include Littman-Thomas Agency - Troy Office, Heath Murray - State Farm Insurance Agent, Carr Insurance Group. This directory lists 18 long-term care insurance agents serving Troy.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Freeman Groves Insurance And Financial Services Inc | 2840 S Co Rd 25A | (937) 348-1763 |
| 2 | Littman-Thomas Agency - Troy Office | 210 S Market St suite b | (937) 339-1525 |
| 3 | Heath Murray - State Farm Insurance Agent | 725 W Market St | (937) 335-9600 |
| 4 | Carr Insurance Group | 115 S Market St | (937) 335-8914 |
| 5 | Carson Halsey: Allstate Insurance | 1275 Experiment Farm Rd D | (937) 332-6942 |
| 6 | Lisa Cano - State Farm Insurance Agent | 41 S Stanfield Rd A | (937) 335-3535 |
| 7 | Trojan Insurance Agency | 1008 Grant St | (937) 339-2674 |
| 8 | Home State Healthcare, Inc | 410 W Main St | (937) 335-2689 |
| 9 | R J Warner Insurance | 23 S Mulberry St | (937) 335-5166 |
| 10 | Troy insurance agency | 12 N Mulberry St | (937) 764-3470 |
Freeman Groves Insurance And Financial Services Inc serves the Troy, Ohio area as a long-term care insurance agent. The company helps individuals evaluate coverage options for future care needs, including home health aides and assisted living facility expenses. It assists clients in comparing policy features such as daily benefit amounts and elimination periods. The agency provides guidance on long-term care insurance plans for asset protection and nursing home cost coverage.
Littman-Thomas Agency - Troy Office provides long-term care insurance planning services, helping individuals prepare for future care needs in the Troy, Ohio area. Its professionals guide clients through policy selection to cover home care or facility-based expenses. The agency offers ongoing service plans, including policy reviews and updates to accommodate changing health or financial situations. Consultation sessions help explain benefit structures and coverage options. Littman-Thomas Agency - Troy Office serves single-family homes, apartments, retail locations, and local restaurants that may need employee benefit discussions.
Heath Murray - State Farm Insurance Agent in Troy, OH, helps homeowners, retirees, and local professionals plan for future care needs through long-term care insurance policies. The agency explains how these products can protect personal savings from the high costs of extended nursing or home-based care. Clients receive guidance on policy features such as daily benefit amounts and coverage duration. The office also serves residents in neighboring Piqua and the greater Miami County area, offering in-person consultations to discuss how long-term care insurance aligns with individual retirement strategies.
Carr Insurance Group serves Troy, OH, and the surrounding Miami County communities, handling long-term care insurance policies to help clients prepare for future care needs. The agency assists individuals in evaluating various coverage options that protect assets and ensure access to quality care. It focuses on educating clients about the benefits and limitations of different policy structures. To handle a typical job, the agent reviews the client’s financial situation and health history, then presents suitable plan choices designed to meet their personal care goals.
Carson Halsey: Allstate Insurance in Troy, OH assists individuals in understanding the distinction between one-time policy consultations for immediate needs and recurring service options for ongoing planning. Coverage solutions address the financial aspects of assisted living, nursing home care, or in-home support, helping protect assets against significant future costs. Policies can be tailored to fit varying budgets and health profiles, reflecting standard industry practices. An initial assessment helps determine the most suitable approach, whether that involves a single planning session, scheduled annual reviews, or as-needed adjustments as circumstances change.
Lisa Cano - State Farm Insurance Agent in Troy, OH offers long-term care insurance as a specialty service, assisting clients in planning for future personal and medical care needs. In addition, it provides a broad range of general insurance options for individuals and families. As the costs of assisted living and in-home care continue to rise, this agent helps local residents develop strategies for protecting assets and maintaining financial stability into later life, especially during health transitions that often occur after a sudden hospitalization.
Trojan Insurance Agency operates in Troy, Ohio, guiding individuals and families through the process of choosing appropriate financial protections for later-life care. Its primary focus is on long-term care insurance, which provides coverage for assistance with daily living activities that standard health plans often exclude. The agency advises clients on policy options that can help preserve savings against the high costs of extended assisted living or home care. Local businesses in Troy, including commercial offices, large warehouses, and food service establishments, can also seek advice on offering this benefit.
Home State Healthcare, Inc in Troy, OH provides residential long-term care insurance services to individuals planning for future care needs. The company also offers commercial coverage options for small businesses in the Troy area and surrounding communities. As a long-term care insurance agent, Home State Healthcare assists clients in selecting policies that help cover costs associated with assisted living facilities, nursing homes, or in-home care. They conduct annual policy reviews and maintain ongoing contact with clients between regular visits to adjust coverage as life circumstances change.
As residents of Troy, Ohio, begin planning for retirement or face the uncertainty of future care needs, securing adequate long-term care coverage becomes a priority for protecting savings. R J Warner Insurance assists local families by explaining policy options and comparing benefits from various providers. They focus on tailoring coverage to individual financial situations and health histories. The initial step with their agency involves a confidential assessment to review current assets and anticipated care preferences.
Troy Insurance Agency, based in Troy, OH, serves local families by offering guidance for long-term care coverage needs. The agency helps clients navigate policy options that preserve assets and sustain quality of life during extended care periods. It works closely with individuals to compare plans from multiple carriers, ensuring each selection accommodates future health and financial circumstances. A dedicated service involves facilitating riders that allow policies to adjust for inflation, protecting the insured’s long-term purchasing power.
What Does a a Long-Term Care Insurance Agent in Troy Cost?
Long-term care insurance costs in Ohio vary widely. A 55-year-old might pay between $1,500 and $3,000 per year for a policy with a $150 daily benefit and a 3-year term. Premiums increase with age and health conditions. Ohio law allows rate increases only with state approval. This is general information and not insurance advice. Consult a licensed agent for a personalized quote.
About long-term care insurance agents in Troy
Long-term care insurance agents in Troy, Ohio help residents plan for future care needs such as nursing home or home health care. Ohio offers a Partnership for Long-Term Care program that allows policyholders to protect assets while qualifying for Medicaid. Agents in Troy can explain how these state-specific plans work and help you compare policies from multiple carriers.
Frequently Asked Questions
What does a long-term care insurance agent in Troy do?
A long-term care insurance agent in Troy helps you evaluate policies that cover nursing home care, assisted living, and home care. They explain Ohio Partnership plan benefits and assist with the application process. Agents do not provide legal advice but can help you understand coverage options.
How does the Ohio Partnership for Long-Term Care program work?
The Ohio Partnership program lets you keep a portion of your assets equal to the benefits paid by your policy if you later need Medicaid. Policies must be state-approved and include inflation protection. An agent in Troy can show you which policies qualify for this asset protection.
What factors affect long-term care insurance premiums in Ohio?
Premiums in Ohio depend on your age at purchase, health status, benefit amount, and waiting period. Younger buyers typically pay lower rates. Ohio law requires insurers to offer nonforfeiture benefits and inflation protection options. An agent can provide quotes tailored to your situation.
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