The top-rated long-term care insurance agent in Cambridge, Massachusetts is Relation Insurance - Garrity Group, rated 4.9 stars across 342 reviews. Other highly rated options include Eagle Trust Insurance, econosurance, Gallagher Insurance, Risk Management & Consulting. This directory lists 16 long-term care insurance agents serving Cambridge.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Relation Insurance - Garrity Group | 545 Concord Ave | (617) 354-4640 |
| 2 | Eagle Trust Insurance | 125 Cambridgepark Dr Suite 301 | (617) 625-8400 |
| 3 | econosurance | 125 Cambridgepark Dr Suite 301 | (617) 864-2444 |
| 4 | Gallagher Insurance, Risk Management & Consulting | 9 Camp St | (877) 977-1898 |
| 5 | Ralph J Galante Insurance Agency Inc | 1939 Massachusetts Ave | (617) 864-5586 |
| 6 | Al Ponte Insurance | 819 Cambridge St | (617) 492-7600 |
| 7 | Fucillo & Sasso Associates Insurance | 599 Cambridge St suite c-2 | (617) 621-3516 |
| 8 | Thomas F Coughlin Insurance Agency | 1303 Cambridge St | (617) 876-1127 |
| 9 | Cambridge insurance | 64 Sidney St | (339) 210-5104 |
| 10 | Consumer Insurance Agency | 2350 MA-2A | (617) 545-3036 |
Relation Insurance - Garrity Group serves the Cambridge, Massachusetts metro area as a long-term care insurance agent. The company helps individuals and families evaluate their future care needs and navigate the complexities of long-term care coverage. It provides guidance on selecting appropriate policies that protect assets while ensuring access to necessary services. This agency handles policy comparisons and plan reviews for clients exploring both traditional and hybrid long-term care insurance options.
Eagle Trust Insurance, located in Cambridge, Massachusetts, provides a range of long-term care insurance planning services, including policy comparisons and benefit structuring to address future care needs. The company offers ongoing service maintenance, such as policy reviews and claims assistance, to help clients adapt their coverage as personal circumstances evolve. These services help local residents manage the financial risks associated with extended care. Eagle Trust Insurance services single-family homes, apartments, retail spaces, and restaurants in the Cambridge area.
econosurance serves individuals and families in Cambridge, Massachusetts who are researching long-term care insurance coverage. The agency helps clients evaluate policies designed to protect assets and manage future costs related to extended care needs. Agents explain benefit options, elimination periods, and inflation protection in plain language. The team focuses on matching coverage to each customer's personal financial situation and health circumstances. Service extends to residents throughout the greater Boston area, including neighboring Somerville.
Gallagher Insurance, Risk Management & Consulting serves clients in Cambridge and the surrounding Greater Boston communities, handling long-term care insurance needs for individuals and families. The agency helps clients evaluate policy options that address future care costs while protecting personal assets. It works with customers to understand their health history and financial goals before presenting suitable coverage choices. To manage a typical job, it reviews current plans, compares available carriers, and recommends a policy that aligns with the client’s long-term budget and care preferences.
Ralph J Galante Insurance Agency Inc. helps clients in Cambridge distinguish between one-time policy purchases and recurring service reviews of their long-term care insurance. Coverage options protect against the high costs of extended nursing home or home-based care. As a local long-term care insurance agent, the agency provides guidance on how benefits can preserve assets and ensure access to needed support. Services for policy management or claims assistance typically run on an as-needed basis, responding to individual client situations.
Al Ponte Insurance in Cambridge offers specialized services for long-term care planning, helping clients secure coverage for future personal and medical needs. As a local long-term care insurance agent, it evaluates individual risk factors and policy options to design suitable protection strategies for families in the area. This work is essential for managing the high costs of extended care, which are not covered by standard health insurance or Medicare. Given Massachusetts’ changing eligibility rules for Medicaid, many residents turn to it for guidance before open enrollment deadlines.
As winter approaches in Cambridge, protecting assets against the rising costs of extended care becomes a pressing concern for many families. Fucillo & Sasso Associates Insurance specializes in guiding local clients through the complex process of selecting appropriate long-term care policies. The firm provides clear comparisons of benefit structures and future premium considerations, helping residents plan for potential medical needs without depleting savings. The initial step for new clients involves a thorough review of their current health situation and financial goals to determine suitable coverage options.
Thomas F Coughlin Insurance Agency works with individuals and families in the Cambridge area to arrange coverage for the costs of long-term care, such as nursing home stays or in-home assistance. The agency’s specialty is helping clients design policies that protect assets while maintaining eligibility for local care services. It can serve commercial sectors including office complexes, warehouse facilities, and food service establishments that offer employee benefits packages.
Cambridge Insurance, based in Cambridge, MA, is a long-term care insurance agent known for helping local residents plan for future care needs. The agency assists clients in evaluating policies that cover nursing home stays, home care, and assisted living expenses. By explaining complex coverage options and policy riders, they support individuals in building personalized protection strategies. For retirees and families planning ahead, this agent can also recommend hybrid life and long-term care policies that offer added financial flexibility.
What Does a a Long-Term Care Insurance Agent in Cambridge Cost?
Long-term care insurance premiums in Massachusetts vary widely based on age health and coverage level. For a 55-year-old a policy with a $150 daily benefit and 3-year term may cost between $1,500 and $3,000 per year. Older applicants or those with health issues may pay more. This is general information not insurance advice. Consult a licensed agent for personalized quotes.
About long-term care insurance agents in Cambridge
Long-term care insurance agents in Cambridge Massachusetts help residents plan for future care needs. Massachusetts law requires agents to be licensed and follow state regulations for policy disclosures. Local agents understand the Cambridge healthcare landscape and can guide you through options like partnership policies that offer asset protection under the Massachusetts Long-Term Care Partnership Program.
Frequently Asked Questions
What does a long-term care insurance agent in Cambridge do?
A long-term care insurance agent in Cambridge helps you compare policies from different insurers and explains coverage details. They assess your financial situation and health history to recommend suitable plans. Agents must follow Massachusetts regulations including the 30-day free look period for policy cancellation.
Are there Massachusetts rules for long-term care insurance policies?
Yes Massachusetts has specific rules. Policies must include inflation protection offers and cannot exclude pre-existing conditions for more than 6 months. The state also requires agents to provide a shopper guide and outline of coverage before you buy.
How do I choose a long-term care insurance agent in Cambridge?
Look for an agent licensed in Massachusetts with experience in long-term care products. Check their standing with the Massachusetts Division of Insurance. Ask about their familiarity with Cambridge care facilities and the Massachusetts Partnership Program.
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