The top-rated long-term care insurance agent in Richardson, Texas is Rodriguez Insurance Agency LLC, rated 4.7 stars across 1,187 reviews. Other highly rated options include Insurance Source Of Dallas, Insurance of DFW, Agility Insurance Services. This directory lists 19 long-term care insurance agents serving Richardson.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Rodriguez Insurance Agency LLC | 901 Waterfall Way #701 | (972) 528-6695 |
| 2 | Insurance Source Of Dallas | 888 S Greenville Ave Ste 134 | (972) 907-1100 |
| 3 | Insurance of DFW | 1056 E Belt Line Rd | (469) 518-9695 |
| 4 | Agility Insurance Services | 2929 N Central Expy Ste 150 | (866) 590-9771 |
| 5 | Decisive Insurance Agency | 2100 N Greenville Ave ste 203 | (214) 730-0391 |
| 6 | Saunders Health Solutions | 140 Business Pkwy | (972) 316-9755 |
| 7 | Brightway Insurance, The Phan Agency | 500 E Arapaho Rd Suite 103 | (972) 865-7242 |
| 8 | Highstreet Insurance - Sandy Garza & Associates | 3400 N Central Expy Suite 110-221 | (972) 889-1833 |
| 9 | Five Star Insurance Group | 100 N Central Expy # 1205 | (972) 235-8881 |
| 10 | American mga insurance | 2435 N Central Expy | (855) 277-7770 |
Rodriguez Insurance Agency LLC serves Richardson, Texas, and the surrounding Dallas–Fort Worth metro area as a long-term care insurance agent. The agency helps clients assess their needs for policies that cover nursing home stays, assisted living, and home-based care. They guide individuals through the enrollment process, explaining policy terms, benefit triggers, and inflation protection options. This agency handles both traditional long-term care policies and hybrid life insurance products with long-term care riders for clients in this region.
Insurance Source Of Dallas, located in Richardson, TX, provides a range of long-term care insurance services, including consultation on policy options and assistance with claim filing. The company offers ongoing service plans to help clients review and adjust their coverage as needs change. These plans ensure policyholders stay informed about benefits and payment details. This agency serves individuals preparing for future care needs, supporting families in planning for assisted living, nursing home, and in-home care expenses across single-family homes, apartments, retail, and restaurants.
Serving families and individuals in Richardson, Insurance of DFW helps clients plan for future care needs by providing long-term care insurance policies. The agency explains options such as daily benefit amounts and benefit periods, assisting with the application process. As a local agent in the category, the agency focuses on offering information about coverage factors and policy features relevant to area residents. It also serves clients in the neighboring community of Addison and throughout the broader Dallas-Fort Worth metroplex.
Agility Insurance Services serves the Richardson, Texas area and its surrounding communities, handling long-term care insurance needs for local residents. The company focuses on policies designed to help cover the costs of extended care services not fully paid by standard health plans or Medicare. Its general approach when handling a typical job involves carefully reviewing an individual’s financial situation, health history, and future care preferences to recommend suitable coverage options.
Decisive Insurance Agency in Richardson, TX assists individuals in deciding between one-time policy purchases and recurring premium payment options for their long-term care coverage. The agency helps clients structure plans that address future care needs while preserving assets. High-quality long-term care insurance policies can cover in-home aid, assisted living, and skilled nursing services. Service runs on a one-time basis for initial plan setup, with additional support available on an as-needed basis for policy adjustments or claims.
As winter storms and seasonal illnesses put extra strain on aging family members, many Richardson households find themselves reviewing their plans for long-term medical support. Saunders Health Solutions assists clients by explaining how appropriate coverage can protect retirement savings from the high expense of extended care. Their focus includes clarity on policy types that might cover either home health aides or skilled nursing facility stays. On your behalf, they work through the payment application and policy review steps that define your initial assessment.
Brightway Insurance, The Phan Agency offers long-term care insurance solutions for clients in the Richardson area. The agency specializes in helping families plan for the costs of extended care needs, whether at home or in a facility. This work involves evaluating individual circumstances to recommend appropriate coverage options. The agency can assist commercial sectors including offices, warehouses, and food service operations in addressing employee benefit considerations and business continuity planning surrounding long-term care expenses.
Serving residential clients in Richardson, Texas, this agency also provides commercial long-term care insurance solutions. Covering the local area, they assist individuals and businesses in planning for future care needs. Their role involves explaining policy options that help protect assets and provide access to necessary services. The agent works with clients to design coverage that aligns with their personal circumstances and budget. Follow-up appointments are scheduled to adjust policies as life changes occur, ensuring ongoing support between regular visits.
Five Star Insurance Group in Richardson, Texas, is known for guiding families in navigating the complex choices of long-term care insurance. Its service range includes helping clients evaluate policy terms to protect assets and access quality care later in life. General coverage analysis ensures that local residents understand their options for in-home support or facility stays. For those seeking additional financial flexibility, the agency can also arrange riders for inflation protection and shared care benefits between spouses.
What Does a a Long-Term Care Insurance Agent in Richardson Cost?
The cost of long-term care insurance in Texas varies widely based on your age health benefit amount and policy features. A typical policy for a 55 year old might range from 1500 to 3000 per year for a 165000 initial benefit with 3 percent compound inflation. Older applicants or those with health conditions may pay significantly more. This is general information and not insurance advice. Consult a licensed agent for a personalized quote.
About long-term care insurance agents in Richardson
A long-term care insurance agent in Richardson Texas can help you navigate policy choices that cover nursing home care home health services and assisted living. Texas law offers the Texas Partnership for Long-Term Care program which allows policyholders to protect some assets while qualifying for Medicaid. Working with a local agent ensures you understand how these plans apply to your situation in the Dallas-Fort Worth area.
Frequently Asked Questions
What does a long-term care insurance agent in Richardson do?
An agent helps you compare policies from different carriers to find coverage that fits your budget and health needs. They explain benefit triggers elimination periods and inflation protection options. They also guide you on Texas specific rules like the Partnership program and tax qualified policies.
How do Texas Partnership long-term care policies work?
Texas Partnership policies allow you to protect an amount of assets equal to the benefits you receive. For example if your policy pays out 100000 in benefits you can keep 100000 in assets and still qualify for Medicaid. This program is designed to help middle income Texans avoid spending down all their savings.
Are there time limits for applying for long-term care insurance in Texas?
Texas does not have a state mandated application window but most carriers require you to be in good health and under age 80 to qualify. You must apply before you need care because insurers underwrite policies based on your current health. Some employers offer limited enrollment periods for group plans.
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