The top-rated long-term care insurance agent in Waltham, Massachusetts is Stanton Insurance Agency Inc, rated 4.9 stars across 275 reviews. Other highly rated options include Point Insurance - Waltham, Devoted Health, Inc., Acacia Insurance, Inc.. This directory lists 21 long-term care insurance agents serving Waltham.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Stanton Insurance Agency Inc | 230 2nd Ave | (781) 893-3200 |
| 2 | Point Insurance - Waltham | 570 Moody St | (833) 280-6080 |
| 3 | Devoted Health, Inc. | 221 Crescent St #202 | (800) 338-6833 |
| 4 | Acacia Insurance, Inc. | 200 5th Ave Suite 4010 | (508) 653-1600 |
| 5 | AP Intego Insurance Group | 1601 Trapelo Rd # 280 | (888) 289-2939 |
| 6 | Everett & Sons Ins. Agency, Inc. | 76 Weston St | (781) 893-0885 |
| 7 | WIC Insurance Inc. | 230 2nd Ave #105 | (781) 890-0999 |
| 8 | H & K Insurance Agency, Inc. | 271 Waverley Oaks Rd suite 307 | (617) 924-5600 |
| 9 | Robinson Insurance Agency | 691 Main St | (781) 893-2300 |
| 10 | New York Life Insurance | 201 Jones Rd 5th floor | (781) 647-4100 |
Stanton Insurance Agency Inc serves the Greater Waltham area in Middlesex County as a local long-term care insurance agent. This agency helps clients plan for future medical and personal care expenses that are not covered by traditional health insurance or Medicare. The work involves assessing individual financial situations and health histories to match customers with appropriate policies. Services include offering policy comparisons and helping applicants navigate the underwriting process for long-term care coverage in Massachusetts.
Point Insurance - Waltham serves individual residents, retirees, and families in the area who are planning for future medical and custodial needs. As a long-term care insurance agency, it helps clients evaluate policies that cover home care, assisted living, and nursing facility expenses. The goal is to protect assets while ensuring access to necessary support services. The company advises on various plan structures to fit diverse budgets and health goals. Point Insurance - Waltham also assists customers in the greater Boston metropolitan region, including nearby communities like Newton and Lexington.
Devoted Health, Inc. provides comprehensive long-term care insurance planning and agent services to individuals and families in the Waltham, Massachusetts area. It offers guidance on policy selection for future care needs and helps clients understand coverage options for nursing home, assisted living, and home-based care. The agency also assists with plan reviews and adjustments as circumstances change. Its service plans cover a variety of residential and commercial properties, including single-family homes, apartments, retail spaces, and restaurants.
Acacia Insurance, Inc. helps clients distinguish between one-time policy evaluations and recurring service engagements for ongoing portfolio management. Their work focuses on explaining long-term care coverage options that address local costs for care in the Waltham area. They assist with understanding benefit triggers, inflation protection, and policy riders to match individual financial planning needs. Service is structured around either a single comprehensive consultation or scheduled periodic reviews, adapting to whether the client requires one-time guidance or repeat contact on an as-needed basis.
AP Intego Insurance Group serves the Waltham, Massachusetts area and surrounding communities, handling long-term care insurance policies for clients planning future health needs. This agency helps individuals understand coverage options for nursing home, assisted living, and home care expenses. To address a typical client situation, an agent first reviews personal financial circumstances and health history to identify suitable policy features, then compares multiple carriers to match benefits with budget constraints.
As local families review their winter plans and consider the security of their retirement savings, many in Waltham turn to Everett & Sons Ins. Agency, Inc. for professional guidance on long-term care insurance. This agency specializes in policies that help cover assisted living, nursing home, and home health care costs. Understanding the complexity of these plans, they take time to explain coverage options and eligibility requirements clearly. An initial assessment of a client’s current health status and financial goals is always the first step in the process.
WIC Insurance Inc. specializes in helping clients organize long-term care coverage and navigates the often-complex process of policy selection. The company provides comprehensive support to residents of Waltham and the surrounding area. Its work focuses on assessing individual needs and guiding families toward insurance solutions that address potential future care costs. As the seasons change and families begin planning for the upcoming new year, WIC Insurance Inc. assists with reviewing existing policies to ensure coverage still meets current care expectations.
H & K Insurance Agency, Inc. provides financial planning support centered on risk management for individuals and families. Its service specialty is offering long-term care insurance policies that help cover costs associated with extended medical or custodial care in the Waltham area. The agency assists clients in evaluating coverage options that can protect assets from the high expenses of nursing homes or home health aides. It can serve commercial sectors including professional offices, warehouses, and food service establishments.
Located in Waltham, Robinson Insurance Agency serves residents seeking long-term care insurance across the greater Boston area. The agency also assists local businesses with commercial coverage needs for their employees or clients. Long-term care insurance helps policyholders fund extended medical or personal care services not covered by standard health plans. Agents guide clients through plan options suited to their future health needs and financial situations. Many customers return for periodic policy reviews or adjustments between regular visits to keep their coverage aligned with changing circumstances.
New York Life Insurance is known for providing long-term care insurance coverage, serving clients throughout the Waltham, Massachusetts area. The agency assists individuals and families with planning for future care needs, such as home care or assisted living expenses. Policies help protect retirement savings from the high costs of extended care. Clients are guided through policy options and benefit structures that can help maintain financial stability. Advisory support often reviews ways a long-term care rider may be added to a life policy.
What Does a a Long-Term Care Insurance Agent in Waltham Cost?
Long-term care insurance premiums in Massachusetts vary widely based on age health and coverage level. A typical policy for a 55 year old may cost between 1500 and 3500 dollars per year. For a 65 year old the same policy could range from 2500 to 5000 dollars annually. Costs also depend on the daily benefit amount benefit period and inflation rider chosen. This is general information not insurance advice.
About long-term care insurance agents in Waltham
Long-term care insurance agents in Waltham help residents plan for future care needs while protecting savings. Massachusetts offers a state partnership program that allows policyholders to keep more assets when qualifying for MassHealth. These agents guide you through policy choices that comply with Massachusetts insurance regulations.
Frequently Asked Questions
What does a long-term care insurance agent in Waltham do?
An agent helps you compare policies from different insurers to find coverage that fits your budget and health needs. They explain benefit triggers elimination periods and inflation protection options. The agent also ensures the policy meets Massachusetts state requirements for tax advantages.
How does the Massachusetts long-term care partnership program work?
This program lets you protect a portion of your assets equal to the benefits paid by your policy. If you use 200000 dollars in benefits you can keep 200000 dollars in assets and still qualify for MassHealth. Your agent can explain how this affects your estate planning.
Are there tax benefits for long-term care insurance in Massachusetts?
Yes Massachusetts offers a state income tax deduction for qualified long-term care insurance premiums. The deduction amount depends on your age and the policy type. Your agent can provide details on how this applies to your tax return.
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