The top-rated long-term care insurance agent in La Crosse, Wisconsin is Coulee Region Insurance & Financial, Inc., rated 4.9 stars across 413 reviews. Other highly rated options include Kyle Visker - State Farm Insurance Agent, Strive Medicare, Townsend Insurance. This directory lists 18 long-term care insurance agents serving La Crosse.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Coulee Region Insurance & Financial, Inc. | 2942 Darling Ct | (608) 784-8280 |
| 2 | Kyle Visker - State Farm Insurance Agent | 111 2nd St S | (608) 784-9518 |
| 3 | Strive Medicare | 210 7th St S Suite 202 | (608) 784-8969 |
| 4 | Townsend Insurance | 3629 Mormon Coulee Rd # C | (608) 788-4258 |
| 5 | O'Brien Insurance Agency, Inc | 700 3rd St N LL2 | (608) 785-7854 |
| 6 | Ryan Schultz and Associates, LLC American Family Insurance | 1901 State Rd | (608) 782-5780 |
| 7 | Rita Sanger Agency LLC American Family Insurance | 3502 Mormon Coulee Rd | (608) 787-1820 |
| 8 | SMA Insurance Group | 3167 Berlin Dr | (800) 344-3948 |
| 9 | Sandmire Insurance | 401 King St Suite D | (608) 782-2060 |
| 10 | 7 Rivers Senior Advisors | 3167 Berlin Dr | (608) 317-5023 |
Coulee Region Insurance & Financial, Inc. serves the La Crosse, Wisconsin metro area as a provider of long-term care insurance agency services. Their work involves helping local residents assess options for protecting their assets against the high costs of extended health care needs. They guide clients through policy selection for coverage that supports aging in place or facility-based assistance. In this area, they offer consultations on plan benefits and the coordination of policy details for nursing home or home care services.
Kyle Visker - State Farm Insurance Agent located in La Crosse, WI offers services including long-term care insurance planning, designed to help individuals prepare for future medical and personal care needs. The company provides policy review and analysis as part of ongoing service, assisting clients with understanding coverage choices and potential benefit adjustments over time. These service plans include annual check-ins on existing policies to address changing personal circumstances. This agent services properties such as single-family homes, apartments, retail locations, and restaurants in the La Crosse area.
Strive Medicare serves individuals and families in the La Crosse area who are planning for future long-term care needs. As a long-term care insurance agent, the company helps clients understand and select policies that can cover expenses for assisted living, nursing home care, or in-home support. The agent works with local residents to evaluate their financial situations and health considerations, offering guidance on available coverage options. Strive Medicare also extends its services to neighboring communities in the greater La Crosse metro, including Onalaska.
Serving La Crosse, Wisconsin, and the surrounding communities, Townsend Insurance handles long-term care insurance policies that help individuals plan for future personal care needs. This agency focuses on the financial protection such coverage provides against the high costs of extended care at home or in a facility. When working with a client, Townsend Insurance first reviews their existing assets and potential care preferences. Then it compares available policy options to structure coverage that balances benefits with the individual’s long-term budget.
O’Brien Insurance Agency, Inc., located in La Crosse, WI, helps individuals distinguish between a one-time policy purchase for immediate coverage needs and recurring long-term care insurance plans that offer ongoing protection for future care costs. Coverage typically assists with expenses for nursing homes, assisted living, or in-home care services. The agency structures support for clients on an as-needed basis, providing guidance when individuals require policy review or new plan selection without requiring ongoing scheduled appointments.
Specializing in long-term care insurance solutions, Ryan Schultz and Associates, LLC American Family Insurance serves clients in La Crosse, Wisconsin. It provides guidance on navigating the complexities of planning for future care needs, helping individuals protect assets while maintaining access to quality support services. Recognizing that care requirements often shift unexpectedly, the firm particularly assists local families during open enrollment periods when policy adjustments or new coverage decisions must be made before deadlines.
Rita Sanger Agency LLC American Family Insurance provides long-term care insurance to individuals and families in the La Crosse area. It specializes in policy options that help cover the costs of extended care services. The agency works with clients to understand coverage needs related to age and health planning. It can serve commercial sectors such as professional offices, warehouses, and food service establishments needing insurance guidance for their own employees.
As local families in La Crosse plan for the financial demands of extended care, SMA Insurance Group works alongside them to clarify their long-term care insurance options. The agency addresses common regional concerns about rising healthcare costs and the desire to preserve retirement savings from potential nursing-home or home-care expenses. Each discussion focuses on understanding a client’s current life stage and future risk exposure. The initial assessment step typically begins with a confidential review of an individual’s existing coverage and personal long-term care goals.
Sandmire Insurance provides long-term care insurance services for residents in the La Crosse, Wisconsin area, working with individuals and families to help plan for future care needs. Their work covers residential policy guidance as well as coverage discussions for local home care arrangements. Service focuses primarily on La Crosse and surrounding communities within the region. Clients often schedule follow-up appointments to review policy details between regular visits as their needs or circumstances change over time.
What Does a a Long-Term Care Insurance Agent in La Crosse Cost?
Typical costs for long-term care insurance in Wisconsin range from 2000 to 5000 dollars per year for a 55 year old with moderate benefits. Premiums increase with age and health conditions. An agent in La Crosse can provide personalized quotes based on your situation. This is general information not insurance advice.
About long-term care insurance agents in La Crosse
A long-term care insurance agent in La Crosse Wisconsin helps residents plan for future care needs. Wisconsin law requires agents to be licensed and follow specific consumer protections under state statute 600. Agents can explain Partnership policies which allow policyholders to keep more assets when qualifying for Medicaid.
Frequently Asked Questions
What is the Wisconsin Long-Term Care Partnership Program?
This program allows policyholders to protect assets equal to the benefits paid by their policy. If you use 100000 dollars in benefits you can keep that amount of assets and still qualify for Medicaid. An agent in La Crosse can help you understand if this is right for you.
How do I choose a long-term care insurance agent in La Crosse?
Look for an agent licensed in Wisconsin with experience in long-term care policies. Ask about their knowledge of state specific rules like the 60 day free look period and inflation protection requirements. Check their standing with the Wisconsin Office of the Commissioner of Insurance.
What factors affect long-term care insurance premiums in Wisconsin?
Premiums depend on your age health benefit amount and waiting period. Wisconsin law requires insurers to offer inflation protection options. A La Crosse agent can provide quotes from multiple carriers to compare costs.
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