The top-rated long-term care insurance agent in Moses Lake, Washington is Basin Pacific Insurance & Benefits, rated 4.9 stars across 109 reviews. Other highly rated options include Kim Baldini-Janke - State Farm Insurance Agent, Chandler Insurance Solutions, Greg Schlagel: Allstate Insurance. This directory lists 20 long-term care insurance agents serving Moses Lake.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Basin Pacific Insurance & Benefits | 1025 S Pioneer Way | (509) 765-4785 |
| 2 | Kim Baldini-Janke - State Farm Insurance Agent | 420 W Broadway Ave A | (509) 765-8876 |
| 3 | Chandler Insurance Solutions | 1426 E Hunter Pl Unit B | (509) 762-3055 |
| 4 | Greg Schlagel: Allstate Insurance | 1101 S Pioneer Way Ste A | (509) 764-8110 |
| 5 | Christopher Arnberg American Family Insurance | 821 E Broadway Ave #18 | (509) 764-5144 |
| 6 | Morgan Insurance & Financial Services | 419 S Division St | (509) 766-1877 |
| 7 | AIC Insurance - Moses Lake | 310 S Cedar St # C | (509) 764-4447 |
| 8 | Save More Insurance | 1047 W Broadway Ave | (509) 765-7444 |
| 9 | Springwater Insurance Group (Formerly Senior Insurance) | 529 E Broadway Ave | (509) 707-1770 |
| 10 | Farmers Insurance - Angelete Friedbauer | 511 S Division St | (509) 855-4091 |
Basin Pacific Insurance & Benefits serves the Moses Lake, Washington area as a long-term care insurance agency. The company assists clients with planning for future care needs by offering coverage that helps protect personal savings from the high costs of extended care. Its work involves explaining policy options, coordinating benefits, and helping residents secure tailored long-term care solutions. The firm specifically handles insurance for nursing home care and in-home support services.
As a long-term care insurance agent, Kim Baldini-Janke - State Farm Insurance Agent in Moses Lake, WA provides individuals with policies designed to cover costs associated with extended care needs. It offers assistance in selecting plans that help protect assets while preparing for future care requirements in home, community, or facility settings. This includes guidance on policy features and service maintenance options. The agency services a range of property types, including single-family homes, apartments, retail locations, and restaurants.
With long-term care insurance, Chandler Insurance Solutions distinguishes between one-time policy placements and recurring service needs. Coverage plans in Moses Lake typically address nursing home, assisted living, and in-home care costs. These products help protect savings from the high expenses of extended care. The firm assists clients by explaining policy options, comparing providers, and adjusting coverage as circumstances change. Service runs on a scheduled basis to review current plans and update them during life events like retirement or health changes.
Greg Schlagel: Allstate Insurance serves homeowners and small business owners in Moses Lake who are planning for their future care needs. As a long-term care insurance agent, the company helps clients evaluate policy options that cover assistance with daily activities in later years. This work involves explaining coverage details and comparing benefit limits to individual budgets. The agency also provides guidance to residents of nearby communities such as Ephrata, offering the same consultative service support for those seeking financial protection against extended care costs.
Serving Moses Lake and the surrounding communities of Grant County, Christopher Arnberg American Family Insurance handles long-term care insurance policies designed to help cover the costs of extended personal or medical care. These plans assist individuals in protecting their assets by providing coverage for services not typically paid for by standard health insurance. When working with a client, the agent begins by evaluating their current financial situation and future care needs to recommend a suitable policy option.
Morgan Insurance & Financial Services specializes in helping clients plan for the costs of extended care, offering personalized long-term care insurance solutions from its office in Moses Lake, Washington. The agency provides thorough consultations to assess individual needs and policy options, guiding residents of the region through complex coverage decisions. As winter approaches, it assists families reviewing their policies to ensure they are prepared for potential seasonal health challenges.
AIC Insurance - Moses Lake assists local individuals in evaluating their financial readiness for future care needs. As a long-term care insurance agent, the company specializes in presenting policies designed to help cover the costs of assisted living, nursing home stays, and in-home support services. The agency can provide guidance across Moses Lake, WA, focusing on the unique risks and planning strategies relevant to this region. Its insurance products may serve a variety of commercial sectors, including offices, warehouses, and food service establishments.
As the Columbia Basin’s population ages, more families in Moses Lake seek guidance on covering future care costs. Save More Insurance responds by specializing in long-term care insurance, helping clients evaluate options for protecting savings against extended health needs. The agency navigates policy choices and helps compare coverage limits and inflation riders. Each engagement begins with a personalized assessment of the client’s financial situation and long-term goals to determine suitable plans. An initial consultation step includes reviewing existing policies for potential gaps before moving forward.
Springwater Insurance Group, formerly Senior Insurance, specializes in guiding clients through long-term care coverage options in Moses Lake, Washington. The company serves local residents planning for future care needs, offering policies that protect assets and provide access to home or facility-based services. Its agents assess individual health histories and financial goals to recommend suitable plans. This practice helps mitigate the high cost of extended personal care. A key specialty is helping clients understand how long-term care insurance coordinates with Medicaid spend-down requirements.
Farmers Insurance – Angelete Friedbauer provides long-term care insurance services to residents in Moses Lake, Washington. Alongside residential coverage, the agency helps local businesses secure commercial policies that address their unique needs. The service area encompasses Moses Lake and the surrounding communities in Grant County. Long-term care planning with this agent includes evaluating options for nursing home care, assisted living, and in-home support to protect client assets. Returning clients often schedule appointments to adjust their plans after life changes or during regular policy reviews between scheduled visits.
What Does a a Long-Term Care Insurance Agent in Moses Lake Cost?
In Washington state, long-term care insurance premiums vary by age, health, and coverage level. A typical policy for a 55-year-old might cost between $1,500 and $3,000 per year, while a 65-year-old might pay $2,500 to $5,000 annually. Costs are higher for comprehensive plans with inflation protection. This is general information, not insurance advice.
About long-term care insurance agents in Moses Lake
Long-term care insurance agents in Moses Lake, Washington assist residents in finding policies that cover nursing home care, home health aides, and assisted living. Washington state offers a Long-Term Care Partnership Program that allows policyholders to protect assets while qualifying for Medicaid. Agents can explain how these plans work with local facilities in Grant County.
Frequently Asked Questions
What does a long-term care insurance agent in Moses Lake do?
An agent helps you compare policies from different insurers, explains coverage options for nursing homes and home care, and guides you through Washington state rules. They also advise on the Washington Long-Term Care Partnership Program which can help you preserve assets.
How does Washington state law affect long-term care insurance?
Washington requires that all long-term care insurance policies offer inflation protection and a 30-day free look period for cancellations. The state also has a Partnership Program that coordinates private insurance with Medicaid eligibility.
Are there age limits for buying long-term care insurance in Washington?
Most insurers in Washington offer policies to people aged 18 to 84, but premiums increase with age. It is common to purchase a policy in your 50s or 60s to lock in lower rates and ensure medical eligibility.