The top-rated long-term care insurance agent in Medford, Massachusetts is Risman Insurance Agency, rated 4.8 stars across 228 reviews. Other highly rated options include Milner Insurance Agency, Inc., Daniel N O'Rourke Insurance Inc, Bates Insurance Agency Inc.. This directory lists 18 long-term care insurance agents serving Medford.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Risman Insurance Agency | 689 Fellsway | (781) 396-2116 |
| 2 | Milner Insurance Agency, Inc. | 121 Mystic Ave Suite 2 Rear | (781) 391-9449 |
| 3 | Daniel N O'Rourke Insurance Inc | 429 High St | (781) 396-8244 |
| 4 | Bates Insurance Agency Inc. | 92 High St B1 | (781) 396-4985 |
| 5 | Pompeo & Sons Insurance Agency, Inc | 464 High St | (781) 391-1630 |
| 6 | Farnam Insurance, LLC - Home, Auto, Life, Business | 5 Forest St | (781) 395-4466 |
| 7 | Gilbert Insurance Agency | 402 Salem St | (781) 391-3240 |
| 8 | OTL Benefits | 17 Crocker Rd | (978) 447-3737 |
| 9 | R J Quinn Insurance | City Building, 15 Main St | (781) 395-8400 |
| 10 | Francis C Vita Insurance Inc | 2 River St | (781) 396-4915 |
Risman Insurance Agency serves the Medford, Massachusetts area and metro region as a provider of long-term care insurance. This agency helps clients develop plans to cover the cost of extended care, whether received at home, in assisted living facilities, or in nursing homes. The firm guides individuals through policy options designed to protect assets and ensure access to future care. A policyholder's specific needs are assessed to align coverage with their financial goals. The agency handles consultations for personalized policy comparisons and ongoing support for claims related to home health aide services.
Milner Insurance Agency, Inc. provides a range of long-term care insurance solutions to help Medford residents plan for future assisted living and home health care costs. It works with clients to review policy options that address individual needs. The agency also helps manage existing policies, assisting with updates or claims as required. It serves individuals, including those with single-family homes and apartments, as well as commercial clients such as retail shops and restaurants.
Daniel N O’Rourke Insurance Inc serves individuals and families in Medford, Massachusetts who are planning for future healthcare needs. As a long-term care insurance agent, the company helps clients evaluate coverage options to protect assets and ensure access to necessary care. Policies are designed to address expenses not covered by standard health insurance or Medicare, including in-home assistance and nursing facility stays. The agency also extends its services to residents in neighboring communities throughout the greater Boston metropolitan area.
Bates Insurance Agency Inc. serves Medford, Massachusetts, and the surrounding communities with long-term care insurance placements. The agency handles policies designed to cover the costs associated with assisted living, nursing home care, and in-home support services. For a typical client, the agency begins by evaluating personal health history and financial goals to identify suitable coverage levels. It then presents clear policy comparisons and guides the applicant through medical underwriting and the final enrollment process to secure a tailored plan.
In a long-term care insurance context, one-time policy reviews help clients understand existing coverage, while scheduled service options can adjust plans as health needs evolve. Pompeo & Sons Insurance Agency, Inc in Medford, MA assists with long-term care insurance, which covers costs for nursing homes, home health aides, and assisted living when clients require extended daily care. This agency typically evaluates policy choices such as benefit periods and inflation protection. Service arrangements for reviews and consultations can be scheduled on an as-needed basis.
For Medford families planning for future care needs, affordable and reliable long-term care coverage is a growing concern as health costs rise. Farnam Insurance, LLC in Medford provides long-term care insurance agent services tailored to local residents, including Home, Auto, Life, and Business policies. Clients receive clear guidance on policy options that address potential long-term care expenses, helping secure financial stability. An initial consultation involves a straightforward assessment of personal coverage requirements and budget considerations to begin a comprehensive evaluation.
Gilbert Insurance Agency specializes in helping clients navigate long-term care insurance options to protect assets and secure future care needs. It serves the Medford, Massachusetts area by providing personalized guidance on policy selection and coverage details. The agency works with individuals and families to plan for potential expenses that Medicare does not cover. As seasonal changes or health events arise, it assists clients in reassessing coverage to address new care requirements during retirement planning periods.
OTL Benefits serves individuals and families in the Medford area by facilitating long-term care insurance coverage that helps protect assets against future care needs. This firm can supplement core policies with options such as inflation protection or shared-care benefits for couples. Clients typically include professionals planning for retirement health costs as well as small-business owners seeking group benefits. The agency is equipped to assist offices, warehouses, and food service operations in securing appropriate long-term care coverage for their workforces.
R J Quinn Insurance assists Medford residents with securing long-term care coverage for in-home or facility-based needs, helping families plan for future care expenses. The agency also offers commercial long-term care insurance options for local businesses seeking to protect employees and operations. Service extends throughout Medford and the greater surrounding area. Following an initial policy setup, the agent routinely follows up on coverage details or life changes, providing repeat service between regular visits to ensure policies remain suitable.
What Does a a Long-Term Care Insurance Agent in Medford Cost?
Long-term care insurance agent services in Massachusetts are typically paid through commissions from the insurance company, not directly by the client. Policy premiums vary widely based on age, health, and coverage level. For a 55-year-old in Medford, a policy might cost between $1,500 and $3,000 per year. For a 65-year-old, premiums often range from $2,500 to $5,000 per year. These are general estimates and not insurance advice.
About long-term care insurance agents in Medford
Long-term care insurance agents in Medford, Massachusetts help residents plan for future care needs. These agents can explain policies that comply with Massachusetts state regulations, including the Massachusetts Partnership for Long-Term Care program. This program allows policyholders to protect some assets if they later need MassHealth (Medicaid) benefits.
Frequently Asked Questions
What does a long-term care insurance agent in Medford do?
An agent helps you compare policies from different insurance companies. They explain coverage options, benefit periods, and inflation protection. They also guide you on how a policy may interact with MassHealth rules.
Is the Massachusetts Partnership for Long-Term Care important for Medford residents?
Yes. This state program lets you keep a portion of your assets equal to the benefits paid by your policy. A Medford agent can help you choose a Partnership-qualified policy to protect your savings.
Are there time limits for applying for long-term care insurance in Massachusetts?
There is no state time limit for applying. However, insurers have underwriting rules. Many people apply in their 50s or 60s when premiums are lower and health conditions are less likely to cause denial.
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