The top-rated long-term care insurance agent in Chelsea, Massachusetts is PRT Insurance Agency Inc - formerly Gorman Insurance of Chelsea, rated 4.8 stars across 355 reviews. Other highly rated options include Bello Insurance Agency, Metro Boston Insurance Agency, JB Insurance Agency, Inc.. This directory lists 10 long-term care insurance agents serving Chelsea.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | PRT Insurance Agency Inc - formerly Gorman Insurance of Chelsea | 186 Broadway | (617) 884-2700 |
| 2 | Bello Insurance Agency | 25A Williams St | (617) 370-5855 |
| 3 | Metro Boston Insurance Agency | 300 Eastern Ave | (617) 884-5480 |
| 4 | JB Insurance Agency, Inc. | 18 Washington Ave | (617) 884-8282 |
| 5 | Edward A Mc Carthy Insurance | 90 Everett Ave 1st Floor | (617) 889-0309 |
| 6 | Stable Insurance LLC | 908 Broadway | (617) 586-2036 |
| 7 | Christopher Kokoras Insurance Agency, Inc | 688 Broadway | (617) 738-8143 |
| 8 | Louis J Brudnick & Sons | 100 Everett Ave # 1 | (617) 889-1100 |
| 9 | TAK-Progressive Health Services Inc. | 100 Everett Ave #3A | (617) 884-5400 |
| 10 | Plus Insurance Inc | 100 Everett Ave # 1 | (617) 889-4101 |
PRT Insurance Agency Inc, formerly Gorman Insurance of Chelsea, serves Chelsea, MA, and the broader Suffolk County area. This agency specializes exclusively in long-term care insurance, helping clients plan for future needs such as in-home care, assisted living, or skilled nursing facility expenses. It guides individuals through policy options to protect assets and ensure access to necessary services. The agency handles the initial consultation, policy selection, and application process for long-term care plans in the region.
Bello Insurance Agency in Chelsea, Massachusetts provides a full range of long-term care insurance services, including policy analysis, application assistance, and coverage explanations from multiple carriers. The agency also offers annual policy reviews and benefit updates to ensure plans remain aligned with evolving health needs and financial goals. As illnesses and chronic conditions require longer care periods, the agency works with clients to secure policies that protect assets and future income. The agency serves individuals, single-family homeowners, and residents of apartments and senior living facilities.
Metro Boston Insurance Agency serves homeowners and individuals in Chelsea, Massachusetts, who are planning for future healthcare needs. It focuses on helping clients evaluate long-term care insurance policies to protect assets and manage the high cost of extended care services. As a dedicated long-term care insurance agent, the agency explains coverage options for nursing home, in-home, and assisted living care. It also provides guidance on policy features, elimination periods, and benefit periods relevant to local rates. The company serves clients throughout the North Shore area, including nearby Revere.
JB Insurance Agency, Inc. serves Chelsea, MA, and the surrounding communities, providing long-term care insurance agent services. It helps clients understand options for covering extended care needs, including in-home assistance, assisted living, and nursing facility stays. The agency works primarily with individuals planning for retirement, offering guidance on policy features such as benefit triggers, daily benefit amounts, and inflation protection. For a typical client, it conducts an in-depth assessment of personal goals and financial resources to recommend plan structures that aim to match anticipated future care scenarios.
Clients of Edward A Mc Carthy Insurance may choose between a single consultation addressing an immediate need or ongoing service that accommodates changing circumstances over time. Coverage offerings in Chelsea, MA, are tailored to help qualify for future care costs through professionally guided plan comparisons. Annual policy reviews ensure clients remain properly covered as long-term care needs evolve. Assistance is available on a one-time, scheduled, or as-needed basis according to individual requirements.
Stable Insurance LLC provides specialized guidance on long-term care insurance policies for residents of Chelsea, Massachusetts. It assists individuals in exploring coverage options that protect savings from the high costs of extended care services. The agency works with clients to understand the complexities of policy features and helps tailor solutions to varied financial circumstances and future needs. Its services include evaluating benefits for home care, assisted living, and nursing facility expenses. As winter approaches, many local retirees seek advice on securing coverage before seasonal increases in assisted living inquiries occur.
Christopher Kokoras Insurance Agency, Inc in Chelsea, Massachusetts is known for guiding clients through the complexities of planning for long‑term care needs. The agency specializes in helping individuals evaluate policy options that protect assets while ensuring access to quality care services. Its standard service range includes initial consultations, policy comparisons, and enrollment support for various Long‑Term Care Insurance products. For clients seeking tailored coverage, the agency can additionally offer guidance on hybrid life‑and‑LTC policies that combine benefits into a single plan.
As the Boston-area population continues to age, understanding how to cover the costs of extended home care or a nursing facility stay becomes a pressing concern for many Chelsea families. Louis J Brudnick & Sons serves this local need by acting as a long-term care insurance agent, helping individuals review different policy options that can protect their savings. They assist potential clients in considering appropriate coverage levels based on personal circumstances. An initial step in this process typically involves a complimentary consultation to assess current health needs and compare available plans.
TAK-Progressive Health Services Inc. serves clients in and around Chelsea, Massachusetts, by offering long-term care insurance agent services. The company helps individuals and families plan for future custodial care needs within the community. These plans can cover nursing home stays, assisted living support, or home health assistance, aligning with diverse budget requirements. By working with multiple insurers, the agency provides options tailored to various coverage preferences in the local area. Commercial sectors it can serve include offices, warehouses, and food service establishments seeking employee benefit packages that include long-term care planning.
Plus Insurance Inc serves residents in Chelsea and the surrounding areas, assisting them with long-term care insurance planning to help protect assets against extended care costs. The agency also offers commercial long-term care coverage for local businesses seeking employee benefits. Clients benefit from policies designed to cover nursing home stays, home health aides, and assisted living care. Insurance needs are reassessed when clients contact the office for policy reviews or adjustments, and the agency continues to provide support between regular check-ins to address any changes in care needs.
What Does a a Long-Term Care Insurance Agent in Chelsea Cost?
Long-term care insurance premiums in Massachusetts vary by age, health, and policy features. A typical policy for a 55-year-old might cost 1500 to 3000 dollars per year. Partnership policies may have slightly higher premiums but offer asset protection. Costs increase with age and if you add inflation riders. This is general information, not insurance advice.
About long-term care insurance agents in Chelsea
Long-term care insurance agents in Chelsea Massachusetts help residents plan for future care needs. Massachusetts offers a Partnership program that allows policyholders to protect assets equal to the benefits paid. Local agents can explain how these policies work with MassHealth and other state programs.
Frequently Asked Questions
What does a long-term care insurance agent in Chelsea do?
A long-term care insurance agent in Chelsea helps you compare policies from multiple carriers. They explain benefit triggers, inflation protection, and how the Massachusetts Partnership program works. They do not provide legal or tax advice.
Is long-term care insurance required in Massachusetts?
No, long-term care insurance is not required by Massachusetts law. However the state encourages planning through its Partnership program. Some employers offer group policies as a benefit.
How does the Massachusetts Partnership program affect my policy?
The Massachusetts Partnership for Long-Term Care allows you to keep assets equal to the benefits your policy pays. This means if your policy pays 200000 dollars in benefits, you can protect 200000 dollars in assets from MassHealth recovery. Only Partnership-qualified policies offer this protection.
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