The top-rated long-term care insurance agent in Charleston, South Carolina is Harrell Insurance Agency, rated 4.9 stars across 266 reviews. Other highly rated options include Pilothouse Insurance, C. T. Lowndes & Company, Medicare Blueprint Advisors, LLC. This directory lists 21 long-term care insurance agents serving Charleston.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Harrell Insurance Agency | 2000 Sam Rittenberg Blvd #124 | (843) 572-1500 |
| 2 | Pilothouse Insurance | 1527 Sam Rittenberg Blvd | (843) 766-1318 |
| 3 | C. T. Lowndes & Company | 749 St Andrews Blvd | (843) 763-0120 |
| 4 | Medicare Blueprint Advisors, LLC | 7 Gamecock Ave #709 | (843) 735-6600 |
| 5 | Taylor Agency | 147 Wappoo Creek Dr #502 | (843) 762-1805 |
| 6 | Coastal Senior Benefits | 22 Westedge St Suite 700 | (843) 588-1842 |
| 7 | Covenant Insurance Group LLC | 1032 Savannah Hwy | (843) 795-0189 |
| 8 | Health Insurance Solutions | 6650 Rivers Ave | (843) 364-9155 |
| 9 | Anderson Insurance Associates | 3491 Shelby Ray Ct | (843) 763-7525 |
| 10 | Cooner Insurance Agency | 1643B Savannah Hwy STE 405 | (843) 548-1859 |
Harrell Insurance Agency serves the Charleston, South Carolina metro area as a local long-term care insurance agent. They assist individuals and families in planning for future care needs that may not be covered by standard health insurance or Medicare. The agency focuses on explaining policy options and benefit triggers, helping clients navigate the complexities of long-term care coverage. Specific services include counseling on facility-based care policies and personal care assistance at home.
Pilothouse Insurance provides long-term care insurance planning services to individuals and families in the Charleston area. It helps clients assess their future care needs by explaining policy options for home care, assisted living, and nursing facility coverage. The agency manages client portfolios through regular policy reviews and assists with claims documentation when necessary. Its accessible support aims to simplify complex coverage choices for those planning for later-life care. The company serves clients in single-family homes, apartments, retail spaces, and restaurants.
C. T. Lowndes & Company serves homeowners, individuals, and families in Charleston seeking financial protection against the high costs of extended care. This long-term care insurance agent provides guidance on policy selections and coverage options, helping clients plan for nursing home, assisted living, or home-based care needs. The company operates in the greater Charleston area and also serves residents in nearby Mount Pleasant, ensuring local access to important long-term care insurance planning.
Medicare Blueprint Advisors, LLC in Charleston, SC assists clients with long-term care insurance that covers either one-time facility admissions or recurring in-home support services. Their policies address expenses from nursing homes, assisted living, and home health aides while preserving assets. Typical costs depend on age, health status, and selected daily benefit amounts. This local agent offers guidance through the enrollment process and policy selection. Service runs on a one-time, scheduled, or as-needed basis depending on a client’s needs throughout the year.
Serving Charleston, South Carolina, and the surrounding Lowcountry communities, the Taylor Agency specializes in long-term care insurance. It handles policies designed to help individuals cover the costs of assisted living, nursing homes, or home health care. Protecting financial assets and planning for future care needs is central to its client work. To manage a typical case, the agency begins by assessing a client's current health and financial situation, then compares policy options from multiple insurers to find a suitable match.
Specializing in long-term care insurance, Coastal Senior Benefits in Charleston, SC, guides clients through policies that protect assets and fund future care needs. The agency assists individuals and families in evaluating coverage options designed for nursing homes, assisted living, or home-based care. As local agents, they understand South Carolina’s specific regulations and seasonal shifts that may affect planning, such as increased interest in coverage discussions during open enrollment periods or after a family health event like a recent fall or surgery.
As summer heat settles over Charleston, many residents begin considering how to protect retirement savings from rising medical costs. Covenant Insurance Group LLC specializes in long-term care insurance strategies tailored to the Lowcountry’s aging community. The agency guides clients through policy options that help cover home care, assisted living, or nursing facility expenses. After discussing personal health histories and financial goals, the agent schedules a comprehensive needs inspection to evaluate current coverage gaps and future care preferences.
Health Insurance Solutions assists clients in planning for future care needs, offering long-term care insurance policies designed to protect assets and provide access to quality support services. Serving the Charleston, South Carolina area, the agency helps individuals navigate coverage options to safeguard their financial independence. Commercial clients may also engage this firm to secure long-term care benefits for their workforce across industries including corporate offices, distribution warehouses, and local food service establishments.
Anderson Insurance Associates, based in Charleston, offers long-term care insurance services to local residents. The agency helps individuals plan for future custodial care needs by explaining policy options for home care or facility stays. Commercial clients are also served through business funding strategies for key person coverage. The firm operates throughout the Charleston area and surrounding communities. Clients often return to review changing policy benefits or adjust plans between their regular annual care assessments and life changes.
Cooner Insurance Agency serves Charleston, SC, focusing on long-term care insurance solutions. The company helps clients prepare for future healthcare needs through personalized policy evaluations, including coverage for nursing home and home-based care. It compares benefit structures from various carriers to match individual risk profiles and budget constraints. A specialty service it offers is assistance with hybrid life insurance policies that incorporate long-term care benefits.
What Does a a Long-Term Care Insurance Agent in Charleston Cost?
In South Carolina, annual premiums for long-term care insurance typically range from $1,500 to $4,000 for a 55-year-old, depending on coverage amounts and optional riders. Costs are higher for older applicants and those with health conditions. A 65-year-old may pay $2,500 to $5,500 per year. These figures are estimates and actual quotes will vary by insurer and individual underwriting. This is general information and not insurance advice.
About long-term care insurance agents in Charleston
Long-term care insurance agents in Charleston help residents plan for future care needs. South Carolina offers a partnership program that allows policyholders to protect assets while qualifying for Medicaid. These agents guide clients through policy choices that align with state regulations and personal budgets.
Frequently Asked Questions
What does a long-term care insurance agent in Charleston do?
An agent helps you compare policies from different insurers to find coverage that fits your needs. They explain benefit amounts, elimination periods, and inflation protection options. Agents also clarify how South Carolina partnership policies work to preserve assets.
How does South Carolina partnership program affect long-term care insurance?
South Carolina partnership policies allow you to keep a portion of your assets equal to the benefits paid by your policy if you later need Medicaid. This program is designed to encourage early planning and reduce state Medicaid costs. Your agent can explain how this applies to your financial situation.
What is the typical cost for long-term care insurance in South Carolina?
Costs vary based on age, health, and policy features. A 55-year-old in good health might pay between $1,500 and $3,000 per year for a standard policy. Premiums increase with age and additional riders like inflation protection.
Long-Term Care Insurance Agents in Other South Carolina Cities
Aiken · Anderson · Bluffton · Columbia · Conway · Easley · Florence · Fort Mill · Greenville · Greer · Hilton Head Island · Lexington · Mt Pleasant · Myrtle Beach · North Augusta