Using Long Term Care Insurance for In Home Care
At Accountable Home Care, we want you to have a seamless experience when initiating a long term care insurance claim. Â The stress alone from experiencing a health care set back is overwhelming enough. Â Â We understand clients have paid many years of financial contributions towards their long term care policy. Â We want to make sure you make the most out of your long term care insurance policy and understand the coverage. Our care navigator will guide you in filing your claim and will also arrange a conference call with you and the long term care carrier. Â Call today to see how an hourly in home caregiver can help enhance your life.
Review of Your Long Term Care Policy
At Accountable Home Care, should you wish to file a long term care claim, our care navigator will help you understand import terms to your policy such as:
- Elimination Periods
- Daily Maximum
- Lifetime benefits
- Care Management
- DME Coverage
Long Term Care Insurance Policies AHC Accepts
Below is a short list of the insurances we accept and work with. Should you not see the insurance you have purchased, please do not hesitate to contact our home care office at 561.320.0055.
- AF&L/American Fidelity & Liberty
- AIG
- American Heritage
- American Pioneer
- American Travelers
- Bankers Life
- Blue Cross Blue Shield-long term care
- Conseco
- Colonial American
- CNA Insurance Company
- GE Life Assurance & Annuity Company
- GenWorth
- GTL Insurance
- John Hancock
- Kanawha
- Lincoln Benefit
- Metlife
- Mutual of Omaha
- Old American
- Penn Treaty Insurance
- Senior Health Insurance Company of Pennsylvania/SHIPP
- Trans America
- Transport Life Insurance
- Union Labor
- Washington National
Helpful South Florida Senior Care Resources
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FAQ's View All
When using a Long Term Care Policy as payment for hourly care at home, what services are considered long-term care services?
Long Term Care Benefit
Often times families and clients requests the use of their long term care policy as an acceptable payor source when retaining our services for hourly care at home. At Accountable Home Care, we are proud to accept the benefits and work directly with insurance if it is easier for the client and the family.
When using a long term care policy, care services tend to relate to the following covered care services:
*It is very important to verify directly with the long term insurance provider and utilize your original long term care policy for further clarification and guidelines.
- Attending an Adult Day Care Center offering respite services. This allows for a family to seek a comfortable and safe environment outside the patient's home. Adult day care is a great option for senior citizens who may benefit from socialization. Typically the primary caregiver is an adult child that works and the aging parent no longer can be left home alone while the adult child works.
- Home Health Care - Skilled Registered Nursing Visits and/or home physical therapy services. Hospice at home is another form of home health care but can also be at an actual inpatient center.
- Assisted Living Facility resident or a resident of a Long Term Care Nursing Home.
Do I need a prescription from my doctor in order to hire a caregiver for personal care at home?
Hiring a licensed caregiver to provide non-medical home care in the home does not require a prescription from a doctor. Often times a physician will write a prescription for a home health aide to assist in conjunction with other services requiring a prescription such as Medicare Home Health Services. Medicare Home Health requires a prescription from a physician.
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“I know I repeat myself, but Ana is absolutely fabulous!!! She is not an aide, she is an angel sent from heaven!”
Hear about what a patient said about Ana, Certified Nursing Assistant (CNA)
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