The top-rated long-term care insurance agent in Haverhill, Massachusetts is AAA Haverhill, rated 4.7 stars across 274 reviews. Other highly rated options include MTM Insurance of Greater Haverhill, INC., De La Cruz Insurance Group, Senior Benefits Boston, LLC. This directory lists 15 long-term care insurance agents serving Haverhill.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | AAA Haverhill | 308 Main St | (978) 373-3611 |
| 2 | MTM Insurance of Greater Haverhill, INC. | 35 Stage St | (978) 681-5700 |
| 3 | De La Cruz Insurance Group | The Lennox Center, 378 S Main St #1 | (978) 926-3281 |
| 4 | Senior Benefits Boston, LLC | 350 Main St Suite 5 | (617) 721-1250 |
| 5 | James Page Insurance | 191 Merrimack St # 306 | (978) 373-3893 |
| 6 | Sullivan Insurance & Financial | 487 Groveland St | (978) 372-2790 |
| 7 | Cowan Insurance Agency | 359 Main St | (978) 372-1451 |
| 8 | Sams Insurance Agency Inc. | 359 Main St Ste 220 | (978) 374-5290 |
| 9 | Fred C. Church, Inc. | Inside Lowell Five, 750 Main St | (800) 225-1865 |
| 10 | Silverio Insurance Agency | 114 Kenoza Ave | (978) 685-0209 |
AAA Haverhill serves clients in Essex County and the broader Merrimack Valley region of Massachusetts as a long-term care insurance agent. It helps individuals and families evaluate policies that cover extended care needs, which are often not included in standard health plans. These policies can address both in-home care and facility-based services such as nursing homes or assisted living. The agency handles policy comparisons and application guidance for those planning future care expenses.
MTM Insurance of Greater Haverhill, INC., based in Haverhill, MA, provides a full range of long-term care insurance services, including policy consultations and needs assessments. It assists clients with plan selection and offers ongoing policy maintenance to ensure coverage evolves with changing healthcare needs. The agency serves the local community by guiding individuals through the complexities of long-term care planning. Its services are directed toward single-family homes, apartments, retail establishments, and restaurants in the greater Haverhill area.
De La Cruz Insurance Group serves homeowners, retirees, and families in the Haverhill area who are planning for future health care needs. As a long-term care insurance agent, the company helps clients evaluate policies that can cover assisted living, nursing home, and in-home care expenses. It provides guidance through the often complex selection process by comparing plan features, coverage limits, and benefit options from various insurers. The group also offers its services to residents in nearby methuen, expanding access to essential long-term care coverage across the Merrimack Valley.
Serving Haverhill, Massachusetts, and the surrounding communities, Senior Benefits Boston, LLC handles the placement of long-term care insurance policies to help clients prepare for future care needs. The company works with individuals and families seeking coverage that can protect assets and provide access to care options. Typical jobs involve reviewing a client’s current health and financial situation, then matching them with suitable policy features from available carriers. The agent applies a consultation-based process to clearly explain policy terms, coverage limits, and premium costs before finalizing a specific plan.
In the Haverhill area, some long-term care insurance services involve a one-time policy purchase, while others offer ongoing policy reviews and claims assistance to address changing needs. James Page Insurance works with clients in planning for future care coverage, helping to navigate plan options and coordinate benefits for nursing or home-based services. Such local agents typically provide guidance during open enrollment and life events. Service normally runs on both a scheduled review basis and an as-needed basis depending on the client's situation.
Sullivan Insurance & Financial in Haverhill, MA, specializes in long-term care insurance agent services, helping clients plan for future custodial and home-based care needs. The company works with individuals across Massachusetts to evaluate policy options that address the rising costs of assisted living and nursing home expenses. As seasons change, it helps families review coverage during open enrollment periods and adjust plans for life transitions such as retirement or a recent health diagnosis.
As winter weather increases the risk of slips and falls in Haverhill, residents often seek to prepare for potential recovery periods without strain to family budgets. Cowan Insurance Agency, a long-term care insurance agent, responds by helping local clients evaluate policy options tailored to cover home health aides or facility stays. Being independent agents, they compare plans from different carriers to suggest a suitable fit for each individual’s needs. The process begins with an initial review of personal health history and financial resources.
Sams Insurance Agency Inc. assists individuals in Haverhill, MA, with their insurance needs, with a specialty in long-term care insurance. The agency focuses on helping clients plan for future care costs and asset protection associated with aging. They guide customers through policy options designed to cover extended nursing or home health services. Their expertise can serve commercial sectors including offices, warehouses, and food service operations, helping business owners address long-term care planning for themselves or key personnel.
Fred C. Church, Inc. provides long-term care insurance services for residents of homes and apartments in Lowel l, Massachusetts, also delivering commercial coverage for local businesses and organizations throughout the area. The agency helps clients plan for future care needs by explaining policy options and structuring coverage to address potential long-term expenses. Follow-up visits or repeat appointments are arranged between regular check-ins to adjust coverage as circumstances change.
What Does a a Long-Term Care Insurance Agent in Haverhill Cost?
Annual premiums for long-term care insurance in Massachusetts typically range from 2000 to 5000 per person depending on age, health, and coverage amount. A 55 year old might pay around 2500 per year for a policy with 150 daily benefit and 3 year term. Costs vary by carrier and underwriting. This is general information not insurance advice.
About long-term care insurance agents in Haverhill
Long-term care insurance agents in Haverhill help residents plan for future care costs like nursing homes or home health aides. Massachusetts has a state partnership program that allows policyholders to protect a portion of their assets if they later need MassHealth. Working with a local agent ensures you understand how these rules apply to your situation.
Frequently Asked Questions
What does a long-term care insurance agent in Haverhill do?
An agent helps you compare policies from different carriers and explains coverage options for home care, assisted living, and nursing facilities. They guide you through Massachusetts specific rules like the partnership program and tax qualified plans.
How do Massachusetts partnership policies work?
Massachusetts partnership policies let you keep assets equal to the benefits paid by your policy if you later apply for MassHealth. For example if your policy pays 100000 in benefits you can protect 100000 in assets. An agent can explain how this asset protection works.
What is the best age to buy long-term care insurance in Massachusetts?
Most people buy policies in their 50s or early 60s when premiums are lower and health conditions are less likely to cause denial. Rates increase with age so buying earlier can save money. An agent can help you compare costs at different ages.
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