Can I use Mom’s Long Term Care Insurance for in-Home care?
Are Approved In Home Care’s services covered by your loved one’s Long Term Care Insurance policy?
Long term care insurance policies can cover home health care, however, not all policies have this coverage . Give Approved In Home Care a call today to find out what your LTC (Long Term Care) policy may cover. Once your loved one is set up for services, we submit the long term care insurance paperwork directly to claims services.
Most long term care policies have a waiting period. Ask your long term care agent how long is the waiting period for claims to be paid by the policy. Many policies have a 30, 60, or 90 day clause that requires you to pay for an in-home caregiver during the waiting period if the care agency has the correct state license. The long term insurance policies will not let you pay a relative for care to qualify for the benefit. The care has to be completed by a licensed in-home care agency for activities of daily living. We submit the claims directly to the insurance company during the waiting period. We also submit the on-going claims. The insurance company pays you the benefit once you qualify and the claim is processed. We bill every 2 weeks and can provide an itemized bill of hours worked to the long term insurance company for correct reimbursement of charges to you. It is very simple when you use our professional services.
Approved In Home Care will help you determine if your LTC policy covers long term care that will allow your loved one to stay right at home and get the care you want and need to remain independent. We are ready to answer your questions and assist you with your loved one’s LTC insurance paperwork and claims. We provide professional personal care, in the home often for less than the cost of a nursing home or assisted living facility, by using your long term care insurance policy.
We are happy to assist you in finding out what your long term care insurance policy will cover for home health care. Please call us today for more information.