Florida's Top 10 Long Term Care Insurance Quotes

Florida's LTC Cost Comparison Site

Shop the market, impartially, of top-rated insurance companies that sell long-term care insurance in Florida. Florida is a unique state in many ways, and has LTC plan options that do not exist in other states. For Florida residents, it's important to know that you're looking at the plans approved for sale in Florida by Florida's Department of Financial Services, the state regulator that oversees the administration of all insurance in Florida.

Long Term Care Insurance Discounts in Florida

In addition to the unique plans available in Florida, you will find that the premium discounts available may differ in Florida. Long Term Care Insurance policies typically have the following discounts available, which may save you, literally, thousands of dollars on a comparable Long Term Care policy:

• 5 - 15% "Martial" discount may also be applied to committed couples by some companies.
• 25-40% Joint policy discount applies when two policies are issued to a married or committed couple.
• 10 - 40% Health discount can greatly affect your premiums. For example, a healthy 55-year-old with no medications may pay as much as 40% less for the exact same policy as someone with a history of stroke or a heavily insulin-dependent diabetic.
• 5% Association discount may apply with some- insurance companies if you are part of a sponsored group or club. Buyer beware: often the "discounted" insurance policies are still more expensive than identical coverage from other highly-rated insurers.

According to recent data from the Administration for Community Living, long-term care costs continue to rise nationwide, making it crucial to plan ahead for future care needs.

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How to Compare LTC Policies?

With all of the differences, how do you know you're getting adequate coverage, from a reputable company, for the best price? At LTC Tree, we are a "super market" of Long Term Care insurers and we work tirelessly to provide unbiased advice on the plan options available to you. We are able to help compare quotes for the following companies' policies in Florida for you:

• Genworth (Privileged Choice Flex)
• Mass Mutual
• Transamerica Transcare II
• Federal LTC Program 2.0
• State Farm
• Mutual of Omaha
• LifeSecure
• Northwestern Mutual
• New York Life

*Note: we don't directly sell policies from State Farm, Northwestern, or NY Life. Instead we have partners who can assist you if you decide to purchase a policy from one of these companies.

Florida Long-Term Care Insurance Cost can vary from other states, because Florida has a unique regulatory environment. On average, rates in Florida are similar to other states pricing, and in the long run you should have similar rates in Florida versus buying in any other state, similar to how life insurance is priced similarly nationwide. For more information about Medicare's coverage of long-term care services, visit Medicare.gov.

Understanding the benefits of hybrid policies and their tax advantages can help you make an informed decision about your long-term care coverage needs.

AARP & USAA have offered Florida residents Long Term Care policies in the past. Our service is different, we don't just partner with a single company like AARP did in the past or like USAA does now. Instead, we provide individual quotes from virtually all carriers in Florida, not just paid partnerships like AARP/USAA.

Our Informative Guide will explain "what is long term care insurance" in a way you will find entertaining (as much as possible) and informative. We've put together the best long term care insurance companies quotes, ratings, and reviews.