The top-rated long-term care insurance agent in Stafford, Virginia is Rachel Johnson - State Farm Insurance Agent, rated 5.0 stars across 273 reviews. Other highly rated options include Gary Boxley - State Farm Insurance Agent, Farmers Insurance - Patricia Grant, J. Green Insurance. This directory lists 17 long-term care insurance agents serving Stafford.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Rachel Johnson - State Farm Insurance Agent | 373 Garrisonville Rd #109 | (540) 628-7937 |
| 2 | Gary Boxley - State Farm Insurance Agent | 2048 Richmond Hwy # B | (703) 221-1771 |
| 3 | Farmers Insurance - Patricia Grant | 306 Garrisonville Rd Suite 303 | (540) 318-8622 |
| 4 | J. Green Insurance | 300 Garrisonville Rd Suite 302 | (540) 318-6020 |
| 5 | Michael C. Smith - State Farm Insurance Agent | 2789 Richmond Hwy Ste 109 | (540) 720-8404 |
| 6 | One on One Care | 300 Garrisonville Rd #101 | (540) 288-1300 |
| 7 | Chamblin Insurance LLC | Mckittrick Dr | (571) 774-8277 |
| 8 | Virginia Senior Benefits and Family Care | 43 Montgomery Dr | (540) 226-8715 |
| 9 | Tabitha E. Walker Insurance Agency | 25 Clement Dr | (540) 657-5633 |
| 10 | Isaac Plans Insurance | 129 Pewter Ln | (540) 426-1804 |
Rachel Johnson - State Farm Insurance Agent serves Stafford County and the surrounding areas, specializing in long-term care insurance solutions for local residents. As a dedicated long-term care insurance agent, the company helps individuals plan for future needs related to assisted living, nursing home care, and in-home support services. The agency works with clients to understand policy options that can protect personal savings during retirement. These services include coordinating coverage for skilled nursing facility stays and Alzheimer's care coordination.
Gary Boxley offers a full range of long-term care insurance services for individuals and families in the Stafford, VA area. His agency helps clients understand their coverage options and select appropriate plans to protect assets while ensuring access to necessary care. Service plans are designed to address future needs like home healthcare, assisted living, or nursing facility stays. Plans are regularly reviewed to keep pace with changing personal circumstances and regional care costs. The agency serves homeowners, renters, and local businesses including retail stores and restaurants.
Serving homeowners, retirees, and families in Stafford, Virginia, Farmers Insurance - Patricia Grant provides long-term care insurance coverage designed to help protect savings from the high cost of extended care. The agency works with clients to review policy options that support future care needs, whether at home or in a facility. As a long-term care insurance agent, Patricia Grant assists local residents in understanding plan features and eligibility. The agency also serves neighboring communities throughout the Fredericksburg area.
J. Green Insurance serves clients in Stafford, Virginia, and the surrounding communities, handling policies for long-term care coverage. The agency helps individuals plan for future care needs by focusing on asset protection and maintaining financial independence. It provides personalized guidance to navigate insurance options that can cover costs often excluded by standard health plans. Using a consultative approach, the agent explains policy terms and coverage limits before helping a client select a plan suited to their specific long-term care objectives and budget.
In the long-term care insurance field, clients can choose between one-time policy consultations that assess specific product needs or recurring service options that adjust coverage as health or financial situations change. Michael C. Smith - State Farm Insurance Agent in Stafford, VA helps individuals evaluate plans that cover home health aides, assisted living, and nursing facility stays. These services operate on an as-needed basis, allowing clients to request policy reviews, plan updates, or new enrollment discussions only when a care event or lifestyle shift occurs.
Specializing in long-term care insurance planning, One on One Care provides services to individuals and families in Stafford, VA. The company assists clients in understanding policy options that help cover the costs of in-home care, assisted living, or nursing facility stays. It evaluates each person’s unique financial situation to recommend suitable coverage. As medical needs arise suddenly or family members relocate for work during seasonal holidays, One on One Care helps address unexpected care expenses that could otherwise deplete savings.
As residents of the Stafford area begin planning for the financial uncertainties of aging, Chamblin Insurance LLC provides guidance for arranging individual long-term care coverage. They work with clients to evaluate policy options that can help fund assisted living, nursing care, or home health aide expenses. Their process often starts by reviewing current assets and health goals before comparing available benefit structures. To begin services, Chamblin Insurance schedules a personal consultation to review the client’s existing insurance portfolio and current care needs as an initial assessment step.
Virginia Senior Benefits and Family Care assists clients with long-term care insurance planning and policy acquisition in the Stafford area. The agency specializes in tailoring coverage for chronic illness, disability, and aging-related care needs suited to individual circumstances. Additional services include family care consultation and policy reviews to ensure appropriate protection and budget alignment. The firm works with offices, warehouses, and food service providers to secure group or individual long-term care policies for their employees and operations.
Tabitha E. Walker Insurance Agency in Stafford, VA, is known for guiding individuals and families through the complexities of long-term care insurance. Its service range includes helping clients select policies that cover nursing home stays, assisted living, and in-home care. The agency works to clarify how these plans protect savings and assets from the high costs of extended care. A key specialty it offers is assistance with integrating long-term care coverage with existing retirement income strategies.
What Does a a Long-Term Care Insurance Agent in Stafford Cost?
In Virginia, long-term care insurance premiums vary by age, health, and coverage level. A typical policy for a 55-year-old in Stafford might cost between $1,500 and $3,000 per year for a benefit of $150 per day with a 3-year term. For a 65-year-old, annual premiums often range from $2,500 to $5,000. Costs increase with inflation riders and longer benefit periods. This is general information, not insurance advice.
About long-term care insurance agents in Stafford
A long-term care insurance agent in Stafford, Virginia can help you understand policies that cover nursing home care, assisted living, and home care. Virginia offers a Long-Term Care Partnership program that allows you to protect assets while qualifying for Medicaid. Agents in Stafford are familiar with local care costs and Virginia insurance regulations.
Frequently Asked Questions
What does a long-term care insurance agent in Stafford do?
An agent helps you compare policies from different insurers, explains coverage options, and assists with the application process. They can also advise on Virginia-specific programs like the Long-Term Care Partnership.
How does the Virginia Long-Term Care Partnership work?
The Partnership lets you keep a portion of your assets equal to the benefits your policy pays out, even if you later need Medicaid. This is a state-approved program that helps Stafford residents protect their savings.
Are there age limits for buying long-term care insurance in Virginia?
Most insurers in Virginia offer policies to people aged 18 to 84, but premiums are lower if you apply in your 50s or early 60s. Some companies may decline coverage for applicants over 80.
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