A Financially Smart Move for your Retirement Living

At Ginger Cove, we understand that planning for your future consists of many important factors and decisions. Located in historic Annapolis, MD, Ginger Cove encourages residents to “Chart their own course” and that includes deciding what they want to do each day and making decisions with confidence and peace of mind. Our community provides you with the time to be free from everyday worries and full of confidence knowing you have a secure plan for the future.

One of the life-changing benefits of Ginger Cove is that we’re a nonprofit Life Plan community. We offer a variety of independent living and healthcare options to meet residents’ changing needs. Ginger Cove offers two contract options. With the popular Life Care plan, residents have priority access to a lifetime of residency, care and financial security that guards against the escalating cost of healthcare. And with it, enjoy an annual tax benefit as prepayment of medical costs. Our Fee-for-Service plan offers residents lower monthly fees while utilizing their long-term care insurance policies to offset market-rate costs for higher care.

Our Life Care plan’s entrance fee starts at $259,673 with a monthly fee starting at $3,998. Our Fee-For-Service plan’s entrance fee starts at $207,738 with a monthly fee starting at $3,399.

Services included in the monthly fee at Ginger Cove:

  • Concierge services
  • Biweekly housekeeping
  • Local transportation for medical appointments, shopping and personal needs
  • Flexible dining plan with multiple dining settings
  • Creative art classes
  • Variety of entertainment, both on campus and throughout the community
  • General maintenance and repairs of appliances
  • All lawn care and grounds maintenance
  • Utilities, including telephone service
  • Cable television
  • 24/7 emergency response system
  • 24/7 surveillance and security


Life Care Plan

Costs at Ginger Cove are based on the type of contract and the chosen apartment. Our Life Care plan includes a one-time entrance fee and monthly fees but should you move into a higher level of care, your fees won’t increase. The one-time entrance fees for our one-bedroom traditional apartments start at $259,673 with our largest apartment fee of $694,924 (single occupancy). For a couple, there is a second person entrance fee of $17,972. It is important to note that you are entitled to a 90-percent refund on your entrance fee with this plan.

Monthly fees vary based upon the apartment size and style chosen. Life Care monthly fees range from $3,998 to $5,716 per month for our largest two-bedroom apartments. For couples, there is a second person monthly service fee of $2,395 per month.

Fee-for-Service Plan

In our Fee-for-Service plan, the one-time entrance fees range from $207,738 for a one-bedroom traditional apartment to $519,939 for a two-bedroom with den (single occupancy).  For a second person there is an additional fee of $14,378.

Monthly fees range $3,399 per month to $4,859 per month (single occupancy) with a second person fee of $2,036 per month.

At Ginger Cove, your security for tomorrow provides peace of mind today. If you are interested in learning more about Ginger Cove’s contract options, call us now at 410-774-5012 to make an appointment or fill out our contact form.

“Ginger Cove satisfies our commitment to wellness and preventive medicine, socialization, intellectual and physical activities. Other retirement communities didn’t meet with these standards. We’re looking forward to being a part of this stimulating environment!”

Lee & Katherine

Read more Resident Testimonials

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