The top-rated long-term care insurance agent in Severna Park, Maryland is Lee Talbot - State Farm Insurance Agent, rated 4.9 stars across 407 reviews. Other highly rated options include Alex Schwab: Allstate Insurance, Sean Garvey - State Farm Insurance Agent, Highstreet- Bye Insurance Agency. This directory lists 15 long-term care insurance agents serving Severna Park.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Lee Talbot - State Farm Insurance Agent | 170 Ritchie Hwy | (410) 647-5900 |
| 2 | Alex Schwab: Allstate Insurance | 517 Benfield Rd Ste 202 | (410) 674-7888 |
| 3 | Sean Garvey - State Farm Insurance Agent | 529 Benfield Rd Suite 200 | (410) 647-7770 |
| 4 | Highstreet- Bye Insurance Agency | 238 Ritchie Hwy | (410) 544-4300 |
| 5 | Moran Insurance | 696 Ritchie Hwy | (410) 544-3422 |
| 6 | Performance Insurance Group | 238 Ritchie Hwy | (410) 674-9066 |
| 7 | Marty Lewis - State Farm Insurance Agent | 838 Ritchie Hwy Ste 3B | (410) 761-1144 |
| 8 | Patrick Hughes: Allstate Insurance | 815 Ritchie Hwy #116 | (410) 761-8873 |
| 9 | Eichhorn Insurance Agency | 535 Ritchie Hwy | (410) 544-9975 |
| 10 | Old Line Insurance Agency Inc | 811 Ritchie Hwy | (410) 255-2278 |
Lee Talbot - State Farm Insurance Agent serves the Severna Park, Maryland, area and provides long-term care insurance planning. The agency helps clients understand coverage options designed to protect assets against the high costs of extended care. Policyholders receive local guidance on navigating the complexities of benefit eligibility and plan customization. The company works with older adults to structure policies that address in-home aide services and skilled nursing facility care.
Alex Schwab: Allstate Insurance provides guidance on long-term care insurance options, helping individuals plan for future custodial care needs. Its services include policy analysis to match coverage with client circumstances, and ongoing support for policy maintenance and claims assistance. The agents work with families to navigate the complexities of benefit eligibility and care coordination. This agency services single-family homes and apartments throughout the Severna Park area, along with local retail and restaurant properties.
Serving homeowners and individuals planning for future healthcare needs, Sean Garvey - State Farm Insurance Agent in Severna Park, MD, provides guidance on long-term care insurance policies. These services help clients prepare for potential costs associated with extended nursing home stays or in-home assistance. The agency works with local residents to evaluate appropriate coverage options for their personal circumstances. It also assists those with aging parents who want to protect retirement savings from substantial care expenses. Additional support extends to clients in the surrounding Anne Arundel County communities, including Arnold.
Highstreet- Bye Insurance Agency serves Severna Park and the surrounding Anne Arundel County communities, handling long-term care insurance needs for local residents and their families. It provides policies that help protect assets and cover the costs of extended care services, whether at home, in assisted living, or in nursing facilities. The agency typically reviews each client’s financial situation and family history to recommend appropriate coverage levels and benefit periods.
Moran Insurance, located in Severna Park, MD, distinguishes between one-time consultations and recurring service options for long-term care insurance agents. They assist clients in assessing coverage needs, comparing policy features, and selecting plans from available carriers to protect assets and manage future care costs. Their work involves analyzing current health factors and financial resources to recommend appropriate benefit amounts and term lengths. Service for new clients and policy reviews typically operates on an as-needed basis, responding to specific requests or life changes that affect coverage.
Performance Insurance Group offers long-term care insurance advice and policy placement services in the Severna Park area. It assists individuals and families with evaluating coverage options for assisted living, home health care, and nursing facility expenses. The agency guides clients through the complex application and underwriting process for personal protection plans. During the winter months, it helps address concerns about sudden care needs arising from seasonal illnesses or accidents that may threaten a retiree’s financial independence.
As the Chesapeake Bay region's older population grows, many Severna Park families consider long-term care insurance to help with potential future support needs. Marty Lewis, as a local State Farm Insurance agent in this area, provides information about these policies for those navigating aging-related planning. Residents commonly inquire about coverage for home health aides or nursing facility stays. The process typically begins with a personalized initial-assessment step, where an advisor reviews individual circumstances and potential options.
Serving the Severna Park area, this agency provides residential long-term care insurance to help families plan for future care needs. Commercial coverage options are also available for businesses in Anne Arundel County and the surrounding Maryland region. Their services focus on protecting assets and ensuring access to quality care as clients age. Clients often return for periodic policy reviews or to adjust coverage during major life events.
Eichhorn Insurance Agency works with individuals and families in Severna Park, MD, to plan for future long-term care needs. The agency specializes in assisting clients with policies that cover nursing home stays, assisted living, and in-home care. Finding a policy that protects assets and offers flexibility for various care settings is central to the conversation. The agency can serve clients from their personal offices, in their own homes during in-person consultations, or through local small business settings looking to offer coverage to employees.
Old Line Insurance Agency Inc in Severna Park, MD, is a local resource for long-term care insurance guidance, helping clients understand policy options and coverage needs for future care. It serves individuals and families by providing professional consultations to plan for potential extended care expenses. A specialty service it can add on is coordinating with legal advisors to integrate insurance choices into broader estate planning.
What Does a a Long-Term Care Insurance Agent in Severna Park Cost?
Long-term care insurance premiums in Maryland vary based on age, health, and coverage amount. A 55-year-old might pay between $1,500 and $3,000 per year for a standard policy. Costs can be higher for older applicants or those with health issues. This is general information and not insurance advice. Always consult a licensed agent for your specific situation.
About long-term care insurance agents in Severna Park
Long-term care insurance agents in Severna Park, Maryland help residents plan for future care needs. Maryland offers the Partnership for Long-Term Care program, which allows policyholders to protect assets equal to the benefits paid. Agents can explain how this program works with local care facilities and state rules.
Frequently Asked Questions
What does a long-term care insurance agent in Severna Park do?
An agent helps you compare policies from different carriers and understand coverage options. They explain Maryland-specific programs like the Partnership for Long-Term Care. They also assist with underwriting and application paperwork.
How does the Maryland Partnership for Long-Term Care affect my policy?
This state program lets you keep assets equal to the benefits your policy pays out. To qualify, the policy must be certified by the Maryland Insurance Administration. An agent can help you find a certified plan.
What is the typical age to buy long-term care insurance in Maryland?
Most people buy policies between ages 50 and 65. Premiums are lower when you are younger and healthier. Maryland law does not set a minimum age, but carriers may have their own requirements.
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