The top-rated long-term care insurance agent in Racine, Wisconsin is Michelle Christensen - State Farm Insurance Agent, rated 4.9 stars across 334 reviews. Other highly rated options include Compass Insurance Group, Goosehead Insurance - Benjamin Murphy, Samantha Flores Agency LLC American Family Insurance. This directory lists 15 long-term care insurance agents serving Racine.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Michelle Christensen - State Farm Insurance Agent | 5401 Douglas Ave ste d | (262) 639-6663 |
| 2 | Compass Insurance Group | 6021 Durand Ave #600 | (262) 456-0566 |
| 3 | Goosehead Insurance - Benjamin Murphy | 927 Main St Suite 1 | (608) 467-4577 |
| 4 | Samantha Flores Agency LLC American Family Insurance | 320 Main St | (262) 637-4660 |
| 5 | Tree Frog Insurance Services, LLC | 548 State St | (262) 975-2225 |
| 6 | Matthew Cobb American Family Insurance | 4000 Spring St Ste 2 | (262) 633-4701 |
| 7 | Martinson Insurance Affiliate of Robertson Ryan Insurance | 2412 Lathrop Ave | (262) 554-1111 |
| 8 | Elite wise Inc. Agency | 1617 Morton Ave | (262) 726-1807 |
| 9 | CRB Insurance | 500 Wisconsin Ave | (262) 884-0900 |
| 10 | Enduring Insurance | 1442 N Memorial Dr | (414) 409-5744 |
Michelle Christensen - State Farm Insurance Agent serves the Racine, Wisconsin area as a long-term care insurance agent. Working with individuals and families, this agency helps clients plan for the potential costs of extended care. The agency assists with the process of evaluating policy options that cover care in a variety of settings. Services include assisting with the selection of coverage to help protect retirement savings from the high expense of long-term care. It specifically handles consultations on home health care benefits and nursing home facility insurance policies.
Compass Insurance Group provides guidance for individuals seeking long-term care insurance options in Racine, Wisconsin. The agency works with clients to explore policies that help cover future assisted living, nursing home, or in-home care expenses. Services include policy comparisons and assistance with understanding coverage details. Maintenance plans often involve annual policy reviews to adjust benefits as needs change. The agent services single-family homes, apartments, and independent living residences throughout the local area.
Goosehead Insurance - Benjamin Murphy serves the greater Racine area and surrounding communities in southeastern Wisconsin, handling long-term care insurance coverage for local residents. The agency assists clients in evaluating policies that help cover costs associated with extended care needs, whether at home, in assisted living, or in nursing facilities. Benjamin Murphy typically begins each case by reviewing the client’s personal circumstances and financial goals to identify suitable coverage options from available carriers.
Homeowners and individuals planning for future care needs in Racine turn to Samantha Flores Agency LLC American Family Insurance for long-term care insurance guidance. The agency helps clients understand policy options that can cover extended medical or personal care services. These plans are designed to protect savings and provide choices for care settings. The agency works with residents throughout Racine County and also serves the nearby community of Kenosha.
Tree Frog Insurance Services, LLC in Racine, Wisconsin helps clients navigate the important decision between securing a one-time policy or a recurring long-term care plan for ongoing needs. The company specializes in providing coverage that protects assets and ensures access to necessary care without exhausting personal savings. Such insurance addresses the substantial costs of extended nursing home stays, home health aides, or assisted living facilities. Service arrangements for planning and policy review are available on a one-time, scheduled, or as-needed basis.
Matthew Cobb American Family Insurance in Racine, Wisconsin, offers a range of services including long-term care insurance planning to help clients prepare for future health needs. Its service approach includes reviewing policy options for covering home or facility-based care, with maintenance plans that allow for periodic adjustments as circumstances change. The company assists individuals in protecting assets through customized coverage strategies. It services single-family homes, apartments, retail businesses, and restaurants, addressing the insurance needs of both private residences and commercial properties.
Martinson Insurance Affiliate of Robertson Ryan Insurance specializes in long-term care insurance coverage, helping families plan for future care needs in Racine, Wisconsin. The agency guides clients through options that protect savings and maintain independence. It serves individuals seeking to manage the financial impact of extended care due to age or disability. For those concerned about covering nursing home or home health aide expenses during the cold months when seasonal health risks rise, the agency provides guidance on policies that address these specific needs.
Elite Wise Inc. Agency helps individuals and families prepare for the financial burden of extended medical care needs. The firm specializes strictly in long-term care insurance policies that cover home health aides, assisted living, and nursing home stays. These plans are designed to protect personal savings and provide access to necessary services throughout the Racine area. Clients may include those managing small professional offices, industrial warehouses, and local food service establishments that require tailored coverage solutions for their teams.
As winter approaches and families in Racine begin reviewing financial plans for the year ahead, CRB Insurance helps residents evaluate their long-term-care coverage options. Serving the local community, the agency provides guidance on policies that protect savings from the high cost of extended care services. A long-term care insurance agent works with clients to compare plans from various carriers, addressing both nursing home and home-health scenarios. The initial step for a new client is an in-person or virtual assessment of their current healthcare needs and long-term goals.
Enduring Insurance helps Racine residents plan for long-term care needs within their own homes, ensuring daily personal assistance or skilled nursing can be arranged when necessary. For businesses in the area, the agency advises on group coverage options to protect employees facing future extended care requirements. Service accessibility is focused on Racine and the surrounding communities. Following each policy review or consultation, the agent schedules routine check-ins to adjust plans as personal health situations shift between regular visits.
What Does a a Long-Term Care Insurance Agent in Racine Cost?
Long-term care insurance premiums in Wisconsin vary by age, health, and policy features. For a 55-year-old, a policy with a $150 daily benefit and 3-year term may cost $1,200 to $2,500 per year. Older applicants or those with health issues may pay more. Costs also depend on inflation protection and benefit period. This is general information, not insurance advice.
About long-term care insurance agents in Racine
Long-term care insurance agents in Racine, Wisconsin help residents find policies that cover nursing home care, assisted living, and home health services. Wisconsin offers a Partnership for Long-Term Care program which allows policyholders to protect some assets if they later need Medicaid. An agent can explain how these state-specific rules apply to your situation.
Frequently Asked Questions
What does a long-term care insurance agent in Racine do?
An agent helps you compare policies from different insurance companies. They explain coverage options, costs, and how Wisconsin Partnership policies work. They do not provide legal advice but can guide you on plan features.
Are there Wisconsin rules for long-term care insurance policies?
Yes, Wisconsin requires policies to offer inflation protection and a 30-day free look period. The state also has a Partnership program that lets you keep assets equal to what your policy paid out if you later apply for Medicaid. An agent can explain these requirements.
How do I choose a long-term care insurance agent in Racine?
Look for an agent licensed in Wisconsin with experience in long-term care insurance. Ask about their familiarity with the Wisconsin Partnership program and local care costs. Verify their license through the Wisconsin Office of the Commissioner of Insurance.
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