Short-Term Care Insurance for Riviera Beach Families
Serving Anne Arundel County County
If you live in Riviera Beach, you’ve probably heard about long-term care insurance but aren’t sure if it’s right for you. That’s completely normal. Many Anne Arundel County County families are in the same boat — they know they should plan but don’t know where to start.
That’s where we come in. We’re not a call center. We’re local folks who understand Riviera Beach and the surrounding area. We’ve helped Anne Arundel County County families find Short-Term Care Insurance that works for their budget and goals.
Does Medicare Cover Long-Term Care?
The Short Answer: No.
✅ What Medicare Covers
- Hospital stays — acute medical care
- Doctor visits — routine and specialist
- Skilled nursing — up to 100 days
- Limited home health — intermittent care only
❌ What Medicare Does NOT Cover
- Custodial long-term care — the care most people need
- Assisted living — zero coverage
- Memory care — zero coverage
- In-home care beyond 100 days
⚠️ What About Medicaid?
- Asset limit: $2,500 or less in countable assets
- Married couples: Healthy spouse may keep up to $162,660
- Look-back period: 60 months (5 years)
- Estate recovery: Medicaid seeks repayment after death
Which Type of Coverage Is Right for You?
Traditional LTC
- Benefits: Nursing home, assisted living, home care
- Premiums: Can increase over time
- Best for: Younger buyers (50-65)
Hybrid LTC
- Benefits: LTC + death benefit if unused
- Premiums: Locked in for life
- Best for: Those wanting a guaranteed legacy
Annuity+LTC
- Benefits: Retirement income + LTC
- Premiums: Locked in, often lump sum
- Best for: Those needing income and care
How Much Does LTC Cost at Your Age?
Every Birthday You Wait Costs Money
| Age | Monthly Premium* | Extra vs. 55 | Risk |
|---|---|---|---|
| 55 | $150–$185 | Baseline | Low |
| 60 | $190–$235 | +$40–$50 | Low–Moderate |
| 65 | $280–$345 | +$130–$160 | Moderate |
| 70 | $420–$510 | +$270–$325 | Elevated |
| 75+ | $650+ | +$500+ | High |
Flexible Funding for Your LTC Plan
Single Premium · 10-Pay · Pay to 98
Single Premium
Most Popular
- One-time payment — no ongoing premiums
- Up to 3-5x leverage on your premium
- Ideal for non-qualified funds
- Tax-free LTC benefits
10-Pay
Popular
- Pay for 10 years — then fully paid up
- Available through Nationwide, OneAmerica
- Guaranteed fixed annual payments
- Full hybrid coverage + death benefit
Pay to 98
OneAmerica
- Exclusively through OneAmerica
- Pay until age 98 — monthly or annually
- No lump sum — keep your capital
- Ideal for younger buyers (40s-60s)
Not sure which is right for you? We’ll walk you through all three.
Meet Danny Walsh
Licensed Since 1997 · Riviera Beach Families Trust Him
Danny Walsh
Independent Agent · NPN 3028543
👧👧👦 Dad of 4
I grew up in Maryland and have been helping families just like yours since 1997. Over the years, I’ve helped hundreds of people in Riviera Beach and Anne Arundel County County find long-term care insurance that fits their budget and goals.
I’m not a call center. I answer my own phone because I believe you deserve straight answers — not scripts. I take the time to understand your situation, explain your options without jargon, and only recommend what makes sense for you.
If you’re in Riviera Beach or anywhere in Anne Arundel County County, I’d be honored to help you protect your future.
Frequently Asked Questions
What is the best age to buy Short-Term Care Insurance in Riviera Beach?
Most Riviera Beach residents find that buying in their mid-50s to early 60s is the sweet spot. At 55, premiums are lowest and you’re more likely to pass medical underwriting.
Does Medicare cover long-term care in Riviera Beach?
No. Medicare does not cover custodial long-term care. Many Riviera Beach families are shocked to learn this. LTC insurance fills that gap.
How much does Short-Term Care Insurance cost in Riviera Beach?
Premiums in Riviera Beach average $1200 per year. Rates vary based on age, health, coverage amount, and the specific carrier. We can give you a custom quote in 2 minutes.
How do I get started in Riviera Beach?
Just give us a call at 301-304-6009 or use the form above. We’ll have a no-pressure conversation about your situation and goals.
Ready to Protect Your Future in Riviera Beach?
Let’s Talk.
One call, no pressure. We’ll help you understand your options, answer your questions, and find the right fit for your budget and goals.
☎️ CALL DANNY — 301-304-6009 →
✓ No obligation
✓ Compare all 3 types
✓ 301-304-6009