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Long Term Care Insurance for Maryland Home Care Services

Areas Served:
Anne Arundel, Baltimore City, Baltimore, Carroll, Frederick, Howard, Montgomery, and Prince George's counties.

If you’re looking to use long term care insurance for Maryland home care services, you’ve come to the right place! At 2nd Family, we recognize the growing need for long-term care insurance to cover non-medical in-home senior care. This insurance is a safety net for seniors who need help as they age, covering in-home care services, nursing home, assisted living, and adult daycare costs. It’s essential for those planning to age in their own homes or needing assistance with daily living activities​​.

Over half of those aged 65 and above may develop disabilities, necessitating assistance. While Medicare and Medicaid offer limited help, long-term care insurance covers the costs not included by regular health insurance, preventing out-of-pocket expenses that can accumulate quickly​​.

Let us help

At 2nd Family, we simplify the process of using long-term care insurance. Our caregivers record pertinent information after every shift. For clients with long-term care insurance, this information is compiled and submitted by a 2nd Family manager for reimbursement, setting us apart from other home care agencies​​.

Our services, including personal care, home care, dementia care, and transportation assistance, are ideally suited for those with long-term care insurance, offering comprehensive support. For any questions about how we handle long-term care insurance, we’re just a call away and ready to provide detailed information about our processes and technology​​.

Benefits of starting care now

As with all long term care insurance policies, there will be an elimination period during which you’re required to pay out-of-pocket. Even if you’ve not yet opened a claim, the insurance company will backdate to include any care that you’ve received thus far toward your elimination period. We will be happy to help you sort through the process of determining exactly how much home care you policy will cover. To learn more about long term care insurance for Maryland home care services, contact us today.

Long Term Care Insurance FAQ

How much coverage will my policy provide?

Each policy is different and crafted based on many factors, including age, health, and monthly expense. Your insurance provider will have more details about the exact provisions of your policy.

What services will my policy cover?

The vast majority of long term care insurance policies cover all non-medical services provided in the home. Having said that, most policies also have a minimum requirement that you need assistance with at least 2 ADLs (activities of daily living) during each visit. Each policy is different, and we can assist you in determining exactly what your policy covers.

I have a long term care insurance policy. What happens if I need more care?

In the event that your policy will not provide sufficient coverage, you can pay the difference out of pocket. You are certainly not limited to only receive the amount of care that the insurance agency approves, but you will be responsible for covering the difference in cost.

Contact Us


1532 Liberty Road Ste 105, Eldersburg, MD 21784


(443) 609-3640

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Areas Served

Cities & Counties Served
Arlington, Baldwin, Baltimore, Baltimore City, Baltimore County, Boring, Brooklandville, Brooklyn, Butler, Carroll, Carroll County, Catonsville, Chase, Clifton, Cockeysville, Curtis Bay, Druid, Dundalk, Eldersburg, Ellicott City, Essex, Finksburg, Fork, Fort Howard, Franklin, Freeland, Glen Arm, Glyndon, Govans, Gwynn Oak, Halethorpe, Hampstead, Highlandtown, Hunt Valley, Hydes, Joppa, Keymar, Kingsville, Long Green, Lutherville, Manchester, Marriottsville, Maryland Line, Middle River, Monkton, Mount Airy, Mt Washington, New Windsor, Nottingham, Owings Mills, Parkton, Parkville, Perry Hall, Phoenix, Pikesville, Randallstown, Raspeburg, Reisterstown, Riderwood, Roland Park, Rosedale, Sparks Glencoe, Sparrows Point, Stevenson, Sykesville, Taneytown, Timonium, Towson, Union Bridge, Upper Falls, Upperco, Westminster, White Hall, White Marsh, Windsor Mill, Woodbine, Woodstock 

ZIP Codes Served
21013, 21030, 21031, 21043, 21048, 21051, 21053, 21057, 21065, 21071, 21074, 21082, 21085, 21087, 21092, 21093, 21094, 21102, 21104, 21105, 21136, 21139, 21155, 21157, 21158, 21201, 21202, 21203, 21204, 21205, 21206, 21207, 21208, 21209, 21210, 21211, 21212, 21213, 21214, 21215, 21216, 21217, 21218, 21219, 21220, 21221, 21222, 21223, 21224, 21225, 21226, 21227, 21228, 21229, 21231, 21233, 21235, 21239, 21241, 21250, 21251, 21252, 21263, 21264, 21265, 21270, 21273, 21274, 21275, 21278, 21279, 21280, 21281, 21282, 21283, 21284, 21285, 21286, 21287, 21288, 21290, 21297, 21298, 21757, 21771, 21776, 21784, 21787, 21791, 21797