The top-rated long-term care insurance agent in Laurel, Maryland is State Farm: Adam Herndon, rated 4.9 stars across 564 reviews. Other highly rated options include Simmerer Insurance, Laurel Insurance Center placas y seguro, Debbie Murphy - State Farm Insurance Agent. This directory lists 21 long-term care insurance agents serving Laurel.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | State Farm: Adam Herndon | 8323 Cherry Ln Suite 13 | (240) 280-2285 |
| 2 | Simmerer Insurance | 601 7th St Ste 103 | (301) 386-0900 |
| 3 | Laurel Insurance Center placas y seguro | 8641 Cherry Ln | (301) 640-8509 |
| 4 | Debbie Murphy - State Farm Insurance Agent | 7530 Montpelier Rd Suite 105 | (301) 604-0038 |
| 5 | Jennifer Smigal - State Farm Insurance Agent | 510 4th St | (301) 384-2323 |
| 6 | Mid Atlantic Insurance Financial | 13633 Baltimore Ave | (301) 604-4444 |
| 7 | Jessica Iglesias: Allstate Insurance | 511 4th St | (301) 683-0470 |
| 8 | Lucy Sanchez: Allstate Insurance | 3450 Fort Meade Rd Ste 106 | (301) 850-5030 |
| 9 | CNR Insurance Inc | 14502 Greenview Dr # 500 | (301) 490-9600 |
| 10 | Halkos Insurance Agency | 8635 Cherry Ln | (301) 206-5464 |
State Farm: Adam Herndon serves the Laurel, Maryland area as a provider of long-term care insurance solutions. This agency helps local residents plan for future needs related to extended health care services. Their work involves explaining coverage options for assistance with daily living activities. Clients can receive guidance on policy features that help protect savings. The agency handles the enrollment and policy management process for long-term care insurance plans in this community.
Simmerer Insurance, located in Laurel, MD, provides long-term care insurance agent services, assisting clients in evaluating and selecting coverage plans that help address future care needs. The company offers ongoing policy reviews and claims support to ensure that clients’ plans remain aligned with evolving health and financial circumstances. As a local agent, it serves residential clients, including those owning single-family homes, along with those living in apartments and condominiums in the area.
Laurel Insurance Center placas y seguro serves local homeowners and families in the Laurel, Maryland area seeking to protect their savings from the high costs of extended care. As a long-term care insurance agent, the company helps clients evaluate policy options that cover in-home care, assisted living, or nursing facility stays. The agent guides individuals through the selection process, explaining how these plans can preserve independence and financial security for the future. They also provide coverage for residents in nearby communities such as Columbia and throughout Howard County.
As a long-term care insurance agent, Debbie Murphy of State Farm in Laurel, MD explains the difference between a one-time policy purchase and recurring premium payment plans. Coverage options help clients preserve savings and maintain independence by paying for home care, assisted living, or nursing facility stays. Policies are tailored to address individual health needs and budget constraints, particularly for older adults in the Laurel area. Services for policy review or new applications are available on an as-needed basis.
Serving Laurel, Maryland, and the surrounding communities, Jennifer Smigal - State Farm Insurance Agent offers long-term care insurance coverage to help clients plan for future care needs. This location handles various policy options designed to protect assets and manage the costs of extended support services. To handle a typical client need, it first reviews personal financial goals and health considerations, then recommends suitable plan choices from available offerings.
Mid Atlantic Insurance Financial provides specialized long-term care insurance planning for residents in Laurel, Maryland, helping clients evaluate policies that cover home health aides, assisted living, and nursing facility stays. The agency works with individuals and families to assess their future care needs and explain policy benefits, waiting periods, and inflation protection options. By offering clear comparisons of plans from multiple carriers, the company assists clients in managing the financial risks of extended care. It commonly helps families address concerns about covering care costs during retirement or after a sudden health decline.
As Marylanders prepare for the colder months ahead, many begin considering how to protect their savings from potential future healthcare costs. Jessica Iglesias: Allstate Insurance in Laurel helps local families evaluate their options for long-term care coverage to address this concern. The agency works with clients to clarify how such policies can help manage the expenses of extended personal or nursing care. After an initial assessment of your needs, they arrange for a personalized consultation to review your situation further.
Lucy Sanchez: Allstate Insurance assists clients in Laurel, Maryland, with planning for future care needs through long-term care insurance products. The agency helps individuals protect assets while preparing for the potential costs of extended nursing, assisted living, or home-based care. Their work typically includes reviewing policy options and clarifying coverage details for customers. The company serves a variety of commercial sectors, including local offices, warehouses, and food service businesses that wish to offer employee benefits or safeguard their own operations.
Serving Laurel, Maryland, CNR Insurance Inc helps residents with long-term care insurance needs, ensuring coverage for extended medical or personal care services. The agency also assists local businesses in offering this critical benefit to employees, with services extending throughout the surrounding area. They assess each client’s financial situation and health history to recommend appropriate policy options. Clients frequently return for policy reviews or adjustments as their circumstances change, maintaining their coverage between routine check-ins or life event milestones.
Halkos Insurance Agency in Laurel, MD, is known for helping individuals plan for the financial challenges of extended care. Its primary service is guiding clients through the selection and purchase of long-term care insurance policies. The agency also assists residents of the surrounding area in understanding policy benefits that protect savings from rising care costs. This typically includes evaluating federal and private options for comprehensive coverage. The company adds specialized support by coordinating policy applications that address state-specific, partnership-qualified plans for local buyers.
What Does a a Long-Term Care Insurance Agent in Laurel Cost?
Long-term care insurance premiums in Maryland vary by age, health, and coverage level. For a 55-year-old, a policy with 165,000 dollars in benefits might cost between 1,500 and 3,000 dollars per year. Premiums for a 65-year-old can range from 2,500 to 5,000 dollars annually. Costs also depend on inflation protection and benefit period. This is general information, not insurance advice.
About long-term care insurance agents in Laurel
A long-term care insurance agent in Laurel, Maryland can help you understand policy options for covering nursing home, assisted living, and home care costs. Maryland offers the Long-Term Care Partnership program, which allows policyholders to protect assets equal to the benefits paid out. Working with a local agent ensures you get coverage that meets Maryland state requirements and your personal needs.
Frequently Asked Questions
What does a long-term care insurance agent in Laurel do?
A long-term care insurance agent helps you compare policies from different insurers, explains coverage details, and assists with the application process. They can also advise on Maryland-specific options like the Partnership program.
How does the Maryland Long-Term Care Partnership program work?
The Maryland Partnership program lets you keep assets equal to the benefits your policy pays. If you use 100,000 dollars in benefits, you can protect 100,000 dollars of assets from Medicaid spend-down requirements.
Are there time limits for buying long-term care insurance in Maryland?
Maryland does not have a state time limit for purchasing a policy, but insurers often require you to be in good health. Some policies have a 90-day elimination period before benefits begin.
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