Ginger Cove
Independent Living & Assisted Living · Annapolis, MD
CMS overall rating Info The Overall CMS Rating is scored from 1 to 5 stars and combines results from health inspections, staffing levels, and quality measures. Health inspections carry the most weight. Staffing and quality scores can increase or decrease the final rating based on performance compared to state and national standards.

Ginger Cove

Independent Living & Assisted Living · Annapolis, MD
CMS overall rating Info The Overall CMS Rating is scored from 1 to 5 stars and combines results from health inspections, staffing levels, and quality measures. Health inspections carry the most weight. Staffing and quality scores can increase or decrease the final rating based on performance compared to state and national standards.
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Ginger Cove accepts Medicare and private pay.

Overview of Ginger Cove

Ginger Cove in Annapolis, Maryland, offers a environment for residents of all needs. This Life-Care community caters to individuals 60 and over, providing independent living, assisted living, memory care, and nursing care options. Ginger Cove prioritizes resident well-being with a heartfelt, resident-centered approach. Their dedicated staff crafts personalized care plans to ensure your loved one receives the exact level of support needed. Residents thrive in a cozy, relaxing, and fun-filled atmosphere, enjoying delicious and nutritious meals served daily, along with a vibrant calendar of social gatherings, educational activities, and specialized programs.

A life free from everyday chores. Ginger Cove takes care of housekeeping, laundry, and even transportation to appointments. With newfound free time, residents can explore their interests in a variety of ways. Continuing education programs encourage lifelong learning, while an on-site wellness center and resort-inspired amenities like an indoor pool and walking trails promote physical and mental well-being. Prefer for a quiet afternoon in the meditation garden, a friendly game of croquet with neighbors, or a kayaking expedition on Gingerville Creek, there’s something for everyone. For those seeking adventure beyond campus, Ginger Cove provides safe and secure living while you explore historic Annapolis, venture to Washington D.C., or international Travels.

(410) 266-7300

Quality ratings

Measured by Centers for Medicare & Medicaid Services (CMS)

Overall rating Info The Overall CMS Rating combines results from health inspections, staffing levels and quality measures. Health inspections carry the most weight. Staffing and quality scores can increase or decrease the final rating based on performance compared to state and national standards.
▲ 17.3% Above MD avg. ▲ 17.3% Above MD avg.Click the badge to see the full State ranking.Click here to see the full State ranking.
Health Inspection Info Based on the results of the facility's three most recent standard inspections and any complaint investigations. CMS reviews the number, scope, and severity of deficiencies, with more recent findings weighted more heavily.
▲ 56.3% Above MD avg. ▲ 56.3% Above MD avg.Click the badge to see the full State ranking.Click here to see the full State ranking.
Staffing Info Measures average nursing staff hours per resident per day, including Registered Nurses (RNs) and total nursing staff. Ratings are adjusted based on the level of care residents require and are compared to state and national benchmarks.
▲ 41.2% Above MD avg. ▲ 41.2% Above MD avg.Click the badge to see the full State ranking.Click here to see the full State ranking.
Quality Measures Info Based on clinical and physical health indicators reported to CMS, such as hospital readmissions, falls, pressure ulcers, and improvements in mobility. These measures reflect how well residents' health needs are being managed.
▼ 73.2% Below MD avg. ▼ 73.2% Below MD avg.Click the badge to see the full State ranking.Click here to see the full State ranking.

Staffing hours breakdown

Info Daily nursing hours per resident by staff type, reported to CMS. Higher is generally better — compare this facility to state and national averages to see where staffing stands.

Hours per resident per day — compared to Maryland state averages

Total nursing care / resident Info This home is ranked 8th out of 144 homes in Maryland. Total adjusted nursing hours per resident per day, combining RN, LPN, and aide time. CMS adjusts this for case-mix so facilities can be fairly compared.
5h 34m per day
Rank #8 / 144Nurse hours — State benchmarkedThis home is ranked 8th out of 144 homes in Maryland. Shows adjusted nurse hours per resident per day benchmarked to the Maryland average, with a ranking across 144 Maryland SNFs. More hours mean more direct care. The national average is about 3.5 hrs; below 3.0 is a red flag.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
This facility Maryland avg (4h 17m per day)
vs Maryland avg
+30%

1 of 6 metrics below state avg

Standout metric Registered Nurse (RN) is +108% above state avg
Staff typeHours / Day / Residentvs state avg
Registered Nurse (RN) Info RNs hold the highest nursing license and can assess residents, interpret test results, and direct care plans. More RN hours per day often signals stronger clinical oversight and faster response to health changes. 1h 42m per day ▲ 108% State avg: 49m per day · National avg: 41m per day
LPN / LVN Info Licensed Practical Nurses (LPNs) or Licensed Vocational Nurses (LVNs) deliver routine hands-on care — medication administration, wound dressing, and monitoring vital signs. They work under RN supervision and make up a large share of daily bedside care. 48m per day ▼ 13% State avg: 55m per day · National avg: 52m per day
Nurse Aide Info Certified Nurse Aides (CNAs) provide the most direct day-to-day assistance: bathing, dressing, feeding, and mobility. Nurse aide hours are typically the largest staffing category and directly affect residents' quality of life. 2h 30m per day ▲ 16% State avg: 2h 9m per day · National avg: 2h 20m per day
Weekend Total Nursing Info Combined nursing hours (RN + LPN + Nurse Aide) per resident per day on weekends. Staffing often drops on weekends — this figure reveals whether the facility maintains adequate coverage outside of weekday hours. 4h 34m per day ▲ 32% State avg: 3h 28m per day · National avg: 3h 26m per day
Physical Therapist Info Hours per resident per day provided by licensed Physical Therapists (PTs) or PT Assistants. PT services help residents recover mobility after injury or illness and are especially important for post-acute (short-stay) rehabilitation. 6m per day ▲ 20% State avg: 5m per day · National avg: 4m per day
Weekend RN Info Registered nurse hours specifically on weekends. Facilities sometimes reduce RN presence on Saturdays and Sundays — a low weekend RN figure compared to weekday hours can indicate reduced clinical oversight when most administrative staff are absent. 1h 14m per day ▲ 100% State avg: 37m per day · National avg: 28m per day

Types of Care at Ginger Cove

Assisted Living Independent Living

Capacity and availability

Avg. Length of Stay
139 days
Bed community size
96-bed community Rank #143 / 705Bed count — State benchmarkedThis home is ranked 143rd out of 705 homes in Maryland. Shows this facility's certified or reported bed count compared to other Maryland SNFs. Larger communities may offer more amenities, programs, and on-site services for residents and families.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
A larger shared setting that may offer more common spaces and organized community services.
Years in operation
22 years in operation Rank #105 / 209Years in operation — State benchmarkedThis home is ranked 105th out of 209 homes in Maryland. Shows how long this facility has been in operation compared to other Maryland SNFs. Longer operating histories may benefit residents, families, and staff.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
A longer operating history, which may indicate experience navigating regulations and delivering ongoing care.
Walk Score
Walk Score: 51 / 100 Rank #413 / 986Walk Score — State benchmarkedThis home is ranked 413th out of 986 homes in Maryland. Shows how walkable this facility's neighborhood is compared to the average Walk Score across Maryland SNFs. Higher scores benefit residents, families, and staff.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
Moderately walkable. Some errands can be accomplished on foot, with a mix of nearby amenities.
BBB Rating
BBB Rating: A+ (Not Accredited)
An independent rating from the Better Business Bureau based on factors such as complaint history, transparency, and business practices.
How BBB ratings work

About this community

Occupancy

Occupancy rate
66%
Rank #125 / 146Occupancy rate — State benchmarkedThis home is ranked 125th out of 146 homes in Maryland. Shows this facility's occupancy rate versus the Maryland average, with its Statewide rank out of 146. Higher occupancy signals strong local demand and financial stability.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
Higher than the Maryland average: 60%
Occupied beds
63 / 96
Average residents per home in Maryland 104 per day

Awards

AwardsNamed One of America’s Best Continuing Care Communities.

License Details

Facility TypeCorporation
CountyAnne Arundel
CMS Certification Number215174
CertificationsCARF accredited
AccreditationsCARF accredited

Services

Secure Alzheimer's Unit
24-hour Awake Staff
Alzheimer's Care
Barber Services
Beauty Services
Behavioral Management
Dispense Medications
Laundry Services

Ownership & Operating Entity

Profit StatusFalse

Room costs

Private Room $287 - $299 per day
Apartment $275 - $280 per day

Safety & Compliance

Wheelchair Accessible
Emergency SystemsYes

Hospice Affiliations

AccentCare Hospice and Palliative Care of Maryland
Gilchrist Hospice Care
Hospice of the Chesapeake

Staffing

Key information about the people who lead and staff this community.

Leadership

No CNA training program
ContactDr. Edgar Mallick, Executive Director

Payment & Insurance

1 service
Accept Medicare

Therapy & Rehabilitation

3 services
Rehabilitation Services
Respite Care
Short-Term Rehab

Staffing & Medical

2 services
Licensed Nurses/CNAs
24-Hour Staffing

Memory & Specialized Care

3 services
Mild Alzheimer's Level
Moderate Alzheimer's Level
Severe Alzheimer's Level

Additional Policies & Features

Continuing Care Retirement Community (CCRC)
Minimum Age60
HousekeepingYes
Linen ServiceYes
Utilities IncludedYes

Amenities & Lifestyle

Exquisite Dining Venues
World-Class Wellness Center
Indoor Pool
Jacuzzi And Saunas
Fishing Pier
Private Deep-Water Dock
Community Garden Plots
Meditation Garden
Walking Paths
Croquet Court
Business Center
Art Gallery
Spacious Art Studio
On-Campus Atm
Convenience Store
Coffee Bar
Spa And Salon
Woodshop
Valet Service
Scheduled Transportation
Library
Performance Hall
Walk-In Clinic
Physical Therapy Clinic
ActivitiesThere’s always something happening at Ginger Cove, and you’re welcome to join in!
Specific ProgramsMoving & Downsizing Assistance
Operating HoursMonday-Sunday: 9:00 AM - 5:00 PM

Dining & Nutrition

Food DescriptionDining venues offer beautiful settings, impeccable service, and fresh flavors inspired by the Chesapeake Bay.

Contact Ginger Cove

Inspection History

In Maryland, the Department of Health, Office of Health Care Quality is the state agency that conducts unannounced inspections and issues reports for all assisted living and nursing facilities.

Read the full inspection reports for this facility, including detailed findings and corrective actions.

Show Inspection Reports

Health Inspection History

Inspections since 2018
Total health inspections 3

Maryland average 3.9


Last Health inspection on Jun 2024

Total health citations
19 Rank #12 / 146Health citations — State benchmarkedThis home is ranked 12th out of 146 homes in Maryland. Shows this facility's total health deficiency citations benchmarked to the Maryland State average, with a ranking across all 146 MD SNFs. Lower citation counts earn a better rank.Click the rank badge to see the full State ranking.Click here to see the full State ranking.

Maryland average 49.9

Citations per inspection
6.33 Rank #12 / 146Citations per inspection — State benchmarkedThis home is ranked 12th out of 146 homes in Maryland. Shows average deficiency citations per CMS inspection for this facility versus the Maryland mean across 146 SNFs with citation data. Lower is better.Click the rank badge to see the full State ranking.Click here to see the full State ranking.

Maryland average 12.81


Health citations are formal notices following inspections when they fail to comply with safety and care standards.

16 of 19 citations resulted from standard inspections; and 3 of 19 came from combined inspections (standard and complaint).

Breakdown of citation severity (last 8 years)
Critical Health citations
0
100% better than Maryland average

Maryland average: 0.5


Serious Health citations
0
100% better than Maryland average

Maryland average: 0.6

0 critical citations Maryland average: 0.5

0 serious citations Maryland average: 0.6

18 moderate citations Maryland average: 47.2

1 minor citation Maryland average: 1.7
Citations history (last 8 years)
Infection Control moderate citation Jun 04, 2024
Corrected

Nursing Services minor citation Jun 04, 2024
Corrected

Care Planning moderate citation Jun 04, 2024
Corrected

Care Planning moderate citation Jun 04, 2024
Corrected

Demographics

Resident demographic information for this facility.

Gender

  • Female 60%
  • Male 40%

Age Distribution

  • 85-94 64.4%
  • 95+ 22.2%
  • 75-84 13.3%

Ethnicity

  • White 100%

Staffing Data

Reporting period: October 1 – December 31, 2025 (Q4 2025). Source: CMS Payroll-Based Journal report.

Total staff 93
Employees 74
Contractors 19
Staff to resident ratio 2.38:1
31% better than Maryland average
Maryland average ratio: 1.81:1 Maryland average ratio: 1.81:1See full Maryland ranking
Avg staff/day 31
Average shift 7.2 hours
10% worse than Maryland average
Maryland average: 8 hours Maryland average shift: 8 hoursSee full Maryland ranking
Total staff hours (quarter) 20,498

Nursing staff breakdown

Q4 2025 · Oct 1 – Dec 31 More info This data comes from the CMS Payroll-Based Journal report covering October 1 – December 31, 2025.
Registered Nurse

Manages medical care and health needs.

RN Staff 16
Average shift length Info Average shift length. Calculated as total hours divided by days worked and average staff per day. 8.4 hours

No contractors work on this role.

Licensed Practical Nurse

Assists with medical care and medications.

LPN Staff 13
Average shift length Info Average shift length. Calculated as total hours divided by days worked and average staff per day. 9.6 hours

No contractors work on this role.

Certified Nursing Assistant

Helps with daily care and mobility.

CNA Staff 36
Average shift length Info Average shift length. Calculated as total hours divided by days worked and average staff per day. 7.3 hours

No contractors work on this role.

Contractor staffing

Q4 2025 · Oct 1 – Dec 31 More info This data comes from the CMS Payroll-Based Journal report covering October 1 – December 31, 2025.

Total hours from contractors

11%

2,259 contractor hours this quarter

Respiratory Therapy Technician: 7 Speech Language Pathologist: 5 Physical Therapy Aide: 2 Qualified Social Worker: 1 Physical Therapy Assistant: 1 Diagnostic X-ray Services Staff: 1 Medical Director: 1 Occupational Therapy Assistant: 1

Staff by category

Q4 2025 · Oct 1 – Dec 31 More info This data comes from the CMS Payroll-Based Journal report covering October 1 – December 31, 2025.
Certified Nursing Assistant360367,82992100%7.3
Registered Nurse160164,09592100%8.4
Licensed Practical Nurse130132,64092100%9.6
Other Dietary Services Staff3039768289%7.2
Clinical Nurse Specialist2029286470%7.7
Speech Language Pathologist0557836470%3.4
Administrator1014606065%7.7
Nurse Practitioner1014455964%7.5
Mental Health Service Worker1014375762%7.7
Occupational Therapy Aide1014305661%7.7
Physical Therapy Aide0224246672%6.2
Qualified Social Worker0112706166%4.4
Physical Therapy Assistant0112456267%3.9
Respiratory Therapy Technician0772356571%2.3
Medical Director0111922527%7.7
Diagnostic X-ray Services Staff011841112%7.7
Occupational Therapy Assistant0112567%4.2
36 Certified Nursing Assistant
% of Days 100%
16 Registered Nurse
% of Days 100%
13 Licensed Practical Nurse
% of Days 100%
3 Other Dietary Services Staff
% of Days 89%
2 Clinical Nurse Specialist
% of Days 70%
5 Speech Language Pathologist
% of Days 70%
1 Administrator
% of Days 65%
1 Nurse Practitioner
% of Days 64%
1 Mental Health Service Worker
% of Days 62%
1 Occupational Therapy Aide
% of Days 61%
2 Physical Therapy Aide
% of Days 72%
1 Qualified Social Worker
% of Days 66%
1 Physical Therapy Assistant
% of Days 67%
7 Respiratory Therapy Technician
% of Days 71%
1 Medical Director
% of Days 27%
1 Diagnostic X-ray Services Staff
% of Days 12%
1 Occupational Therapy Assistant
% of Days 7%

Penalties and fines

Federal penalties imposed by CMS for regulatory violations, including civil money penalties (fines) and denials of payment for new Medicare/Medicaid admissions.

Source: CMS Penalties Database

No penalties in the past 3 years

No civil money penalties or payment denials were reported in the last 3 years.

Quality of care over time

These measures show how residents usually do over time at this home, based on health outcomes and preventive care.

High-risk clinical events score Info A composite score based on pressure ulcers, falls with injury, weight loss, walking ability decline, and activities of daily living decline. 16.8
30% worse than Maryland average

Maryland average: 12.9

Functional decline score Info A composite score based on activities of daily living decline, walking ability decline, and incontinence. 35.5
38% worse than Maryland average

Maryland average: 25.7

Long-stay resident measures
Significantly below average Maryland avg: 3.7 Info CMS star rating based on long-stay quality measure performance. 5 stars = significantly above average, 1 star = significantly below average.
Need for Help with Daily Activities Increased Info Percent of long-stay residents whose need for help with daily activities has increased 34.3%
45% worse than Maryland average

Maryland average: 23.7%

Walking Ability Worsened Info Percent of long-stay residents whose ability to move independently worsened 30.2%
9% worse than Maryland average

Maryland average: 27.7%

Low Risk Residents with Bowel/Bladder Incontinence Info Percent of low risk long-stay residents who lose control of their bowels or bladder 42.0%
62% worse than Maryland average

Maryland average: 25.9%

Falls with Major Injury Info Percent of long-stay residents experiencing one or more falls with major injury 5.7%
148% worse than Maryland average

Maryland average: 2.3%

High Risk Residents with Pressure Ulcers Info Percent of long-stay high risk residents with pressure ulcers 5.0%
24% better than Maryland average

Maryland average: 6.5%

Urinary Tract Infection Info Percent of long-stay residents with a urinary tract infection 9.1%
468% worse than Maryland average

Maryland average: 1.6%

Lost Too Much Weight Info Percent of long-stay residents who lose too much weight 9.1%
57% worse than Maryland average

Maryland average: 5.8%

Depressive Symptoms Info Percent of long-stay residents who have depressive symptoms 0.0%
100% better than Maryland average

Maryland average: 20.2%

Antipsychotic Use Info Percent of long-stay residents who received an antipsychotic medication 15.2%
17% worse than Maryland average

Maryland average: 12.9%

Pneumococcal Vaccine Info Percent of long-stay residents assessed and appropriately given the pneumococcal vaccine 91.2%
In line with Maryland average

Maryland average: 92.0%

Influenza Vaccine Info Percent of long-stay residents assessed and appropriately given the seasonal influenza vaccine 100.0%
In line with Maryland average

Maryland average: 96.6%

Hospitalizations per 1,000 days Info Number of hospitalizations per 1,000 long-stay resident days. 2.23
69% worse than Maryland average

Maryland average: 1.32

ED visits per 1,000 days Info Number of outpatient emergency department visits per 1,000 long-stay resident days. 1.22
In line with Maryland average

Maryland average: 1.21

Short-stay resident measures
Significantly below average Maryland avg: 3.7 Info CMS star rating based on short-stay quality measure performance. 5 stars = much above average, 1 star = much below average.
Pneumococcal Vaccine Info Percent of short-stay residents assessed and appropriately given the pneumococcal vaccine 78.2%
In line with Maryland average

Maryland average: 78.4%

Antipsychotic medication increase Info Percent of short-stay residents who newly received an antipsychotic medication 9.9%
610% worse than Maryland average

Maryland average: 1.4%

Influenza Vaccine Info Percent of short-stay residents assessed and appropriately given the seasonal influenza vaccine 96.9%
20% better than Maryland average

Maryland average: 80.6%

Re-hospitalized after SNF stay Info Percentage of short-stay residents who were re-hospitalized after their nursing home admission. 28.1%
33% worse than Maryland average

Maryland average: 21.2%

Emergency department visits Info Percentage of short-stay residents who had an outpatient emergency department visit. 8.3%
16% better than Maryland average

Maryland average: 9.9%

Falls with major injury Info Percentage of SNF residents who experience falls with major injury during their stay. 0.0%
100% better than Maryland average

Maryland average: 0.8%

Ability to care for self at discharge Info Percentage of residents at or above expected ability to care for themselves at discharge. 36.7%
32% worse than Maryland average

Maryland average: 53.7%

Successful return to home or community Info Rate of successful return to home or community from a skilled nursing facility. 36.5%
28% worse than Maryland average

Maryland average: 50.6%

Breakdown by payment type

Medicare

29% of new residents, usually for short-term rehab.

Typical stay 18 days

Private pay

71% of new residents, often for short stays.

Typical stay 6 - 7 months

Facility Characteristics

Source: CMS Long-Term Care Facility Characteristics (Data as of Jan 2026)

Total residents 39
Private pay or other
39
100% of residents
Programs & Services
Residents Group

Residents meet regularly to discuss policies, care quality, and activities

CCRC

Part of a Continuing Care Retirement Community offering multiple care levels

Active Resident Council

Organized group of residents that meets regularly to discuss facility policies, quality of life, and activities.

Finances and operations

Voluntary non-profit community
Home revenue
$30.6M
Operating deficit
-$1.7M
Voluntary non-profit community
Home revenue
$30.6M Rank #24 / 145Revenue — State benchmarkedThis home is ranked 24th out of 145 homes in Maryland. Shows this facility's annual revenue compared to the Maryland SNF average. Higher revenue generally means more resources for staffing and capital — read alongside Payroll %.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
Operating deficit
-$1.7M
Payroll costs Info The portion of the home's budget spent on staff, including nurses, caregivers, and other employees who support care and operations. Rank #22 / 145Payroll — State benchmarkedThis home is ranked 22nd out of 145 homes in Maryland. Shows total annual staff payroll benchmarked to the Maryland average. Higher payroll investment relative to peers often signals better staffing and less reliance on cheaper contract labor.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
$14.2M
46.3% of revenue Rank #59 / 145Payroll % — State benchmarkedThis home is ranked 59th out of 145 homes in Maryland. Shows payroll as a percentage of revenue versus the Maryland average. Well-run Maryland SNFs typically land around 49–57% — the top third Statewide. Below 25% may signal understaffing or heavy agency use — read with Staffing ratings.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
Other operating costs Info All remaining costs needed to run the home, such as food, utilities, building maintenance, supplies and administrative expenses.
$18.1M
Total costs $32.3M

What does this home offer?

Room sizes icon
Room sizes icon

Room Sizes: 700 / 900 / 1,040 - 1,340 sq. ft

Housing options icon
Housing options icon

Housing Options: 1 Bed / 2 Bed

Building type icon
Building type icon

Building Type: 3-story

Transportation services icon
Transportation services icon

Transportation Services

Fitness and recreation icon
Fitness and recreation icon

Fitness and Recreation

Who this home usually serves

TYPE OF STAY

Primarily short stays

Residents typically stay for brief periods, with frequent admissions and discharges throughout the year.

Managed by Phyllis Johns Boulden

Licensed Nursing Home Administrator/Chief Operating Officer

Phyllis Johns Boulden is the Licensed Nursing Home Administrator and Chief Operating Officer at Ginger Cove. With over three decades of dedicated service, she brings extensive expertise in senior living operations. Phyllis holds a master’s degree in healthcare administration from the College of Notre Dame, underscoring her commitment to quality care and leadership within the community.

Living Spaces & Floor Plans for Ginger Cove

Ginger Cove 2Bed B
Ginger Cove 2Bed
Ginger Cove 1 Bed B
Ginger Cove 1 Bed
One-Bedroom Traditional
Download PDF
One-Bedroom Deluxe
Download PDF
Two-Bedroom Traditional
Download PDF
Two-Bedroom Deluxe
Download PDF
Two-Bedroom Den
Download PDF
Ginger Cove – GIN-00112-24-Site-Plan-Map_vFINAL.pdf
Download PDF

Places of interest near Ginger Cove

Address 17.0 miles from city center Info Estimated distance in miles from Annapolis's city center to Ginger Cove's address, calculated via Google Maps. — 0.97 miles to nearest hospital (Kure Smart Pain Management)

Calculate Travel Distance to Ginger Cove

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Financial Assistance for
Independent Living in Maryland

Ginger Cove is located in Annapolis, Maryland.
Here are the financial assistance programs available to residents in Maryland.

Get Financial aid guidance

Community Options Waiver

Maryland Medicaid Community Options Waiver

Age 65+ or disabled
General Maryland resident, Medicaid- eligible, nursing home-level care need.
Income Limits (2025) ~$2,829/month 300% FBR, individual
Asset Limits $2,000 (individual), $3,000 (couple) (excludes home, car).
MD

High urban demand; rural outreach efforts.

Benefits
Personal care (5-7 hours/day, e.g., bathing, dressing) Respite care (up to 240 hours/year) Adult day care ($70/day) Home modifications ($1,500 avg.)

Senior Care Program

Maryland Senior Care

Age 65+
General Maryland resident, at risk of nursing home placement.
Income Limits ~$2,000/month individual, varies by county
Asset Limits $11,000 individual
MD

Limited funding; waitlists common in high-demand areas.

Benefits
In-home care (3-5 hours/week) Respite care (up to 10 days/year) Meals (~$6/meal) Transportation (~5 trips/month) Case management

Maryland Nursing Home Medicaid

Maryland Medical Assistance (Medicaid) Nursing Home Program

Age 65+
General Maryland resident, Medicaid-eligible, requires nursing home-level care.
Income Limits (2025) $943/month (individual); most income applied to care costs.
Asset Limits $2,500 (individual), $3,000 (couple); spousal protections up to $155,356.
MD

Home equity limit $636,000; estate recovery applies post-55.

Benefits
24/7 nursing care Meals Therapy Medications (unlimited per medical need)

Senior Assisted Living Subsidy Program

Maryland Senior Assisted Living Group Home Subsidy

Age 62+
General Maryland resident, in or moving to approved assisted living, low/moderate income.
Income Limits (2025) ~$34,000/year individual, varies by county
Asset Limits Not strict; prioritizes low-income.
MD

Not available statewide; facility must be licensed by MDH.

Benefits
Personal care Meals 24-hour supervision (up to $1,500/month subsidy typical)

Veterans Aid and Attendance (A&A) Benefit

Maryland VA Aid and Attendance

Age
General Wartime veteran/spouse, age 65+ or disabled, needs ADL help, Maryland resident.
Income Limits (2025) Net income minus medical expenses < $1,984/month individual with A&A
Asset Limits $155,356 net worth limit
MD

High veteran population in suburban/rural areas.

Benefits
Cash benefit ($1,478-$2,471/month, varies by status) for care costs

Senior Prescription Drug Assistance Program (SPDAP)

Maryland Senior Prescription Drug Assistance Program

Age 65+
General Maryland resident (6+ months), Medicare Part D enrolled.
Income Limits (2025) $48,560/year individual, 300% FPL
Asset Limits None specified.
MD

Supplements Medicare Part D; annual enrollment required.

Benefits
Up to $40/month premium subsidy Reducing drug costs

Medicare Savings Programs (MSP)

Maryland Medicare Savings Programs

Age 65+
General Maryland resident, Medicare Part A/B enrollee.
Income Limits (2025) $2,014/month (QMB), $2,706/month (SLMB/QI, individual).
Asset Limits $9,090 (individual), $13,630 (couple).
MD

Includes QMB, SLMB, QI categories.

Benefits
Covers premiums (up to $174.70/month Part B) Co-pays Deductibles

Community Personal Assistance Services (CPAS)

Maryland Medicaid Community Personal Assistance Services

Age 65+
General Maryland resident, Medicaid-eligible, needs ADL assistance.
Income Limits (2025) $943/month (individual); spend-down available.
Asset Limits $2,500 (individual), $3,000 (couple).
MD

Consumer-directed option allows hiring family caregivers.

Benefits
Personal care (hours vary, typically 20-30/week) Chores Nurse supervision

Frequently Asked Questions about Ginger Cove

What neighborhood is Ginger Cove in?

Ginger Cove is in the River Crescent Drive neighborhood of Annapolis.

Is Ginger Cove in a walkable area?

Ginger Cove has a walk score of 51. Moderately walkable. Some errands can be accomplished on foot, with a mix of nearby amenities.

What is the occupancy rate at Ginger Cove?

Ginger Cove's occupancy is 66%.

Does Ginger Cove have different floorplan options?

Yes — see the floorplan options available at Ginger Cove on this page.

How many beds does Ginger Cove have?

Ginger Cove has 96 beds.

Are there photos of Ginger Cove?

Yes — there are 6 photos of Ginger Cove in the photo gallery on this page.

What is the phone number of Ginger Cove?

(410) 266-7300 will put you in contact with the team at Ginger Cove.

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5 Additional details

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