The top-rated long-term care insurance agent in Olney, Maryland is Carlos Covarrubias - State Farm Insurance Agent, rated 5.0 stars across 277 reviews. Other highly rated options include Brennan Breidenstein - State Farm Insurance Agent, Paul Partington Jr: Allstate Insurance, Michele Y. Primich: Allstate Insurance. This directory lists 13 long-term care insurance agents serving Olney.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Carlos Covarrubias - State Farm Insurance Agent | 2915 Olney Sandy Spring Rd Ste B | (301) 476-0002 |
| 2 | Brennan Breidenstein - State Farm Insurance Agent | 2939-B Olney Sandy Spring Rd | (301) 253-6656 |
| 3 | Paul Partington Jr: Allstate Insurance | 3403 Olandwood Ct STE 202 | (301) 924-4960 |
| 4 | Michele Y. Primich: Allstate Insurance | 3460 Laytonsville Rd Ste 202 | (301) 570-9200 |
| 5 | Jamie Schad - State Farm Insurance Agent | 18200 Georgia Ave ste p | (301) 774-9555 |
| 6 | J. Kevin Hughes: Allstate Insurance | 2919 Olney Sandy Spring Rd Ste B | (301) 869-5000 |
| 7 | Kent Schwab: Allstate Insurance | 2919 Sandy Springs Rd F | (301) 924-0580 |
| 8 | Nationwide Insurance: Schrier Insurance Agency Inc | 3423 Olney Laytonsville Rd STE 4 | (301) 774-0801 |
| 9 | Bud Ruland - State Farm Insurance Agent | 4205 Alfalfa Terrace | (301) 949-4300 |
| 10 | Aronow Insurance Agency Inc | 3416 Olandwood Ct #209 | (301) 774-0175 |
Carlos Covarrubias - State Farm Insurance Agent serves the Olney, Maryland area and specializes in long-term care insurance. This line of coverage helps address expenses associated with extended personal care needs that typical health insurance or Medicare may not fully cover. The agency evaluates individual future care scenarios to recommend appropriate coverage levels and policy structures. Clients exploring options for assisted living or home-based care arrangements will find tailored policy discussions here. The agent handles Medicare supplement plan coordination and retirement-based long-term care solutions.
Serving the Olney, Maryland area, this agency offers long-term care insurance planning to help clients prepare for future medical and custodial needs. Service includes policy consultations, coverage reviews, and assistance with claims coordination. The agency concentrates on developing personalized financial strategies to protect assets from high care-related expenses. Regular policy check-ins and updates are provided to ensure coverage remains aligned with changing health care costs. The company services single-family homes, apartments, retail, and restaurants.
Serving homeowners and individuals in Olney, MD, Paul Partington Jr: Allstate Insurance offers long-term care insurance agent services, helping clients plan for future care needs and protect their assets. The agency guides customers in reviewing policy options that can cover assisted living, nursing home stays, or in-home support. It also explains how such coverage fits alongside other financial plans to reduce out-of-pocket expenses later in life. The business further extends its long-term care insurance assistance to residents in the greater Rockville metro area.
Residents in the Olney area can choose between one-time consultations for immediate needs and scheduled services that support ongoing adjustments to a financial plan. Coverage options through this agency focus on protecting assets from potential long-term care costs. Michele Y. Primich: Allstate Insurance provides guidance on policy choices for individuals and families. This service runs on a one-time, scheduled, or as-needed basis to accommodate varying client requirements.
Jamie Schad - State Farm Insurance Agent serves the Olney, Maryland area and the surrounding Montgomery County communities. It specializes in helping clients plan for long-term care needs, offering policies that assist with daily living expenses when an individual requires extended support. The agency typically starts each case by assessing a client's specific financial situation and health considerations, then recommends appropriate coverage options from available plans to address those individual requirements.
With the rising costs of assisted living and nursing home care in the Olney area, many residents seek affordable ways to protect their retirement savings from long-term care expenses. J. Kevin Hughes: Allstate Insurance addresses this need by offering long-term care insurance policies that help cover the gap between health insurance and personal assets. Policies typically provide flexible benefit options for in-home aid, adult day centers, or facility stays. The process begins with a no-obligation consultation to evaluate eligibility and review available coverage amounts.
Kent Schwab: Allstate Insurance in Olney, MD provides long-term care insurance agent services, specializing in helping clients plan for future care needs. The agency works with individuals to evaluate policy options that cover assisted living, home health aides, and nursing facility stays. It assists married couples in coordinating separate policies or structuring shared-care benefits. This local office also helps families address Medicaid asset protection strategies. When winter weather heightens fears of slip-and-fall injuries requiring extended recovery, the agency reviews existing policies to confirm coverage for modified recuperation periods at home.
Nationwide Insurance: Schrier Insurance Agency Inc works to help individuals plan for the financial challenges of extended care needs. The agency specializes in long-term care insurance, offering policies that cover services not typically included by standard health or Medicare plans. Its agents assist clients in Olney, Maryland, and the surrounding region with evaluating coverage options. These services are available to offices, warehouses, and food service businesses seeking to protect their employees and organizational resources.
Bud Ruland - State Farm Insurance Agent in Olney, MD provides long-term care insurance to residents in and around the local area. Commercial clients can also rely on professional guidance for their business coverage needs. The agency serves Olney and the broader Montgomery County community with personal consultations. Agents explain policy options and help individuals plan for future care expenses in familiar, accessible office visits. Follow-up appointments are routinely scheduled to adjust coverage as needs change between regular annual reviews.
Aronow Insurance Agency Inc in Olney, MD is known for guiding clients through the complexities of long-term care insurance. It serves individuals and families in the broader Maryland area, helping them assess financial risks associated with aging and chronic illness. Its agents focus on matching policy coverage levels to individual health and budget requirements. A specialty service it can provide is integrating long-term care coverage with existing retirement or life insurance portfolios.
What Does a a Long-Term Care Insurance Agent in Olney Cost?
In Maryland long-term care insurance premiums vary by age health and benefit amount. A typical policy for a 55-year-old might cost 1500 to 3000 per year while a 65-year-old might pay 2500 to 5000 per year. Costs also depend on daily benefit amount benefit period and inflation protection. This is general information not insurance advice.
About long-term care insurance agents in Olney
A long-term care insurance agent in Olney Maryland helps you navigate policies that cover nursing home care home health aides and assisted living. Maryland offers the Long-Term Care Partnership Program which allows policyholders to protect assets equal to the benefits paid. An agent can explain how this program works with your financial plan.
Frequently Asked Questions
What does a long-term care insurance agent in Olney do?
An agent helps you compare policies from different insurers to find coverage that fits your budget and needs. They explain benefit triggers elimination periods and inflation protection options. They also guide you on Maryland-specific rules like the Partnership Program.
How does the Maryland Partnership for Long-Term Care work?
The Partnership Program lets you keep assets equal to the benefits your policy pays out. This means if your policy pays 200000 in benefits you can protect 200000 in assets from Medicaid spend-down. An agent can help you choose a Partnership-qualified policy.
Are there age limits for buying long-term care insurance in Maryland?
Most insurers offer policies to people aged 18 to 84 but premiums are lower when you buy younger. Maryland law requires insurers to offer coverage to those under age 80 without medical underwriting in some cases. An agent can explain the best age to apply based on your health.
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