The top-rated long-term care insurance agent in Pikesville, Maryland is Dane Spealman - State Farm Insurance Agent, rated 4.9 stars across 179 reviews. Other highly rated options include Jon Kennedy - State Farm Insurance Agent, Columbia Group, Wealcatch Insurance, Inc.. This directory lists 13 long-term care insurance agents serving Pikesville.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Dane Spealman - State Farm Insurance Agent | 3635 Old Court Rd ste b | (410) 484-4567 |
| 2 | Jon Kennedy - State Farm Insurance Agent | 1777 Reisterstown Rd Ste 222 | (410) 486-2800 |
| 3 | Columbia Group | 3635 Old Court Rd suite 601 | (410) 483-8888 |
| 4 | Wealcatch Insurance, Inc. | 37 Walker Ave | (410) 653-3053 |
| 5 | AJR Insurance | 6 Church Ln | (443) 544-8011 |
| 6 | Relation Insurance - Spero Group | 1866 Reisterstown Rd ste e | (410) 602-7723 |
| 7 | Schoenfeld Insurance | 25 Hooks Ln #316 | (410) 602-2000 |
| 8 | Yosef Cohen: Allstate Insurance | 1777 Reisterstown Rd Ste 268 | (202) 734-5600 |
| 9 | the smith firm and agency | 103 Sudbrook Ln Suite 202 | (443) 264-4398 |
| 10 | Strasco Insurance Agency Inc. | 3 Greenwood Pl Ste 307 | (410) 486-2020 |
Dane Spealman - State Farm Insurance Agent serves the Pikesville, Maryland area, providing long-term care insurance policies. This type of coverage helps individuals manage the substantial costs associated with extended nursing home stays or in-home care services. The agency works with clients to design plans that protect their savings and assets against future medical expenses. Policy options often cover assisted living facilities and professional home health aides, ensuring access to necessary daily support.
Jon Kennedy - State Farm Insurance Agent in Pikesville, MD, provides long-term care insurance policies designed to help clients cover the costs of extended custodial and personal care services. The agency assists with policy selection and explains coverage options for home health aides, assisted living, or nursing facility stays. Maintenance of these plans includes guidance on benefit triggers and potential policy riders. The agency typically services the long-term care needs of individuals residing in single-family homes, apartments, retail-based personal residences, and properties within restaurant owner living quarters.
Columbia Group assists older adults and their family members in Pikesville, MD with securing long-term care insurance policies that cover home care, assisted living, and nursing home expenses. The agency guides clients through available plan options, explaining benefit periods, daily coverage amounts, and inflation protection to match personal needs and financial goals. This service helps protect retirement savings from the potentially high costs of extended care. Columbia Group also supports seniors and families across the greater Baltimore metro area, including nearby Owings Mills.
Wealcatch Insurance, Inc., located in Pikesville, MD, specializes in long-term care insurance, with clients typically choosing between an initial policy consultation and ongoing coverage management. Coverage plans are designed to protect assets and fund care needs such as nursing homes or in-home assistance. The company helps prospective clients assess their financial strategies and navigate policy selection tailored to personal circumstances. Service for existing clients operates on a scheduled or as-needed basis for policy reviews and claims support.
Serving Pikesville and the surrounding Baltimore County communities, AJR Insurance handles long-term care insurance policies designed to help protect assets in the event of an extended illness or disability. It works with individuals and families to compare plan options that cover services like assisted living, nursing home stays, and in-home care. The firm employs a needs-based approach, typically reviewing each client's personal financial situation before presenting suitable plan choices for their consideration.
Located in Pikesville, MD, Relation Insurance - Spero Group specializes in helping individuals secure long-term care insurance coverage to protect assets and future care needs. The agency works with clients to analyze policy options, explaining benefit structures and premium costs. It assists families in preparing for potential expenses associated with aging or chronic illness. As winter approaches, the team helps clients reassess their plans amid seasonal health concerns and changing family caregiving demands.
As Pikesville families consider their long-term care needs for aging relatives or themselves, Schoenfeld Insurance helps clients navigate the complexities of selecting suitable coverage. The agency specializes exclusively in long-term care insurance, focusing on the specific financial and medical concerns of area seniors. In this category, agents discuss policy options such as daily benefit amounts and elimination periods to match budgets. An initial assessment begins with a confidential review of the client's current health situation and financial goals.
Yosef Cohen: Allstate Insurance assists area residents with their financial security needs, with a specialty that helps clients manage the potential costs of future care demands. This long-term care insurance agency serves to protect personal savings from the high expenses of assisted living or home health aides. Its policies can be explored and tailored for local professionals, keeping in mind the different requirements found within neighborhood offices, busy warehouses, and food service establishments.
The Smith Firm and Agency serves Pikesville, MD, assisting residents with personal long-term care insurance to protect assets and cover daily living assistance needs. Its locations additionally help local businesses provide group long-term care coverage as a voluntary employee benefit. The agency maintains standard hours accessible by phone and walk-in across the greater Baltimore area. Clients often return for policy reviews or to adjust coverage between routine financial checkups, ensuring coverage stays aligned with changing health and financial circumstances.
Strasco Insurance Agency Inc. in Pikesville, Maryland, is known for guiding clients through the complexities of long-term care insurance. It serves the local community by helping individuals assess their future care needs and compare appropriate policy options to protect assets. The agency works with families to plan for home care, assisted living, and nursing facility costs. Its specialty service includes offering policy riders that provide inflation protection to maintain coverage value over time.
What Does a a Long-Term Care Insurance Agent in Pikesville Cost?
Long-term care insurance premiums in Maryland vary by age, health, and coverage level. For a healthy 55-year-old, a policy with a $150 daily benefit and 3-year term may cost between $1,200 and $2,500 per year. Costs increase with age and for richer benefits. This is general information, not insurance advice.
About long-term care insurance agents in Pikesville
A long-term care insurance agent in Pikesville, Maryland can help you understand policies that cover 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. An agent can explain how this program works with your financial plan.
Frequently Asked Questions
What does a long-term care insurance agent in Pikesville do?
An agent helps you compare policies from different insurers and explains coverage options. They can guide you on Maryland-specific rules, such as the Partnership Program and tax deductions for premiums.
How does Maryland law affect long-term care insurance?
Maryland requires insurers to offer inflation protection and nonforfeiture benefits. The state also allows a tax deduction for qualified long-term care premiums, subject to limits based on your age.
Can an agent help with the Maryland Partnership Program?
Yes. A knowledgeable agent can explain how Partnership policies let you keep more assets while qualifying for Medicaid. These policies must meet federal and state standards to be certified in Maryland.
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