Ginger Cove Grandmother daughter and grand daughter in kitchen preparing food

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, Maryland, 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 are 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.

Services included in the monthly fee at Ginger Cove:

    Ginger Cove woman in art class painting

  • Concierge services
  • Weekly housekeeping
  • Convenient local shuttle services
  • Flexible dining plan with multiple dining settings
  • Creative art classes
  • Group and individual exercise classes
  • Aquatics center with lap pool, therapy pool and jacuzzi
  • Variety of entertainment, both on campus and throughout the community
  • General maintenance and repairs of appliances
  • All lawn care and grounds maintenance
  • Utilities
  • Cable television and WiFi
  • 24/7 emergency response system
  • 24/7 surveillance and security
  • Parking


Assisted living and memory care

Ginger Cove offers direct admission to our assisted living and memory care communities. With a price of $280 per day for assisted living and $310 per day for memory care, residents and their families have the reassurance that those costs are inclusive regardless of the level of care and services provided in those neighborhoods. Long-term care insurance plans can be used to cover or off-set these costs depending on each individual’s insurance plan. 

Life Care plan for independent living

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 $286,289 with our largest apartment fee of $716,541 (single occupancy). For a couple, there is a second person entrance fee of $19,814. 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 $4,408 to $6,304 per month for our largest two-bedroom apartments. For couples, there is a second person monthly service fee of $2,640 per month.

Fee-for-Service plan for independent living

In our Fee-for-Service plan, the one-time entrance fees range from $229,031 for a one-bedroom traditional apartment to $573,232 for a two-bedroom with den (single occupancy).  For a second person there is an additional fee of $15,850.

Monthly fees range $3,747 per month to $5,358 per month (single occupancy) with a second person fee of $2,244 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.

“I was active in the Charlottesville, VA art community. I volunteered for the Watercolor and Fine Arts Committee and had a successful exhibit there and then I took over the gallery. It was an activity I know how to do and the gallery has become so popular here, local artists are always asking to be shown here.”


Read more Resident Testimonials

QUESTIONS? We're here to help!

Come be our guest. Take a tour. Ask questions. It’s the best way to decide to be here all the time.
Call 410-266-7300 or complete the form below to schedule a tour of our community.

"*" indicates required fields

Would you like to schedule a tour?*
What are you interested in?*
By providing this information, you allow Ginger Cove to contact you. See our Privacy Policy for more details.
This field is for validation purposes and should be left unchanged.