Long Term Care

Concerns about a loved one’s health as they age is stressful enough but how do you pay for the care they need at home? With Long Term Care Insurance (LTC), you and your family can obtain quality in-home care and other services.

What Does LTC Cover?

For those that aren’t familiar with Long Term Care Insurance (LTC or LTCI), Long Term Care Insurance covers in-home care providers such as caregivers, nurse aides, personal care attendants and home health aides arranged through a Home Care Agency that meets the insurance company’s requirements and follows their policies.

It should be noted that employer-based health coverage will not pay for daily care services. Yes, Medicare will cover a brief stay in a nursing home or provide the client with a limited amount of at-home care, but the conditions are extremely strict. To counter this, people opt for long term care insurance as an alternative.

According to AARP:

Depending on the policy options you select, long-term care insurance can help you pay for the care you need, whether you are living at home or in an assisted living facility or nursing home. The insurance might also pay expenses for adult day care, care coordination and other services. Some policies will even help pay costs associated with modifying your home so you can keep living in it safely.”

Policies may cover the following services/care arrangements:

  • Nursing Homes
  • Assisted Living
  • Adult Day Care Services
  • Home Care
  • Home Modification
  • Care Coordination

Things to Consider

Having LTCI gives you options when you’re elderly or suffer a decline in health.  This coverage is specially designed to help with the cost of in home care services or the cost of residing in an assisted living, nursing home or memory care community.

The 2017 Average Monthly cost for:

In Home Care


Adult Day Care


Assisted Living


Nursing Home

$9,703 – Private Room
$8,114 – Semi Private

LTC Insurance policies will also have limitations on how much they will pay towards your care or how long you’re covered.  Some policies provide payments for two to five years, others may pay for as long as you live.  Ask your broker about these options to find the best policy for your family.

Note that your coverage does depend on your insurance type and the company you’re working with. For more information, contact your broker. Below you’ll find some of the more popular LTCI companies on the market. If you currently have LTCI, give us a call today and we’ll be happy to assist you with more information.

I Have Long Term Care Insurance and Need Help

What to do

If you have LTCI and need in home care services OR are in a Nursing Facility or Assisted Living Home, you must contact your insurance company to initiate your claim.

We have included the necessary forms and contact information for well known Long Term Care Insurance Companies below.  Click on your insurance company and follow the links to initiate your claim or to speak with an agent about your coverage.

Who Pays

You can authorize Medical Facilities like Skilled Nursing Facilities, Convalescent Homes and Assisted Living Homes to bill your insurance directly.

Most home care agencies will bill the client directly on a monthly basis then submit all necessary forms to the insurance company.  The client is then reimbursed by the insurance company. 

Every insurance company will have certain requirements, forms and information that the Care Provider must submit correctly and on schedule or the client’s reimbursement will be delayed.  This will include the Care Plan, Case Notes, Invoices and other documentation.

What If I Require At-Home Care?

If you want care provided in the home, your family will need to choose a State Licensed, Bonded and Insured Non-Medical Home Care Agency.  For claimants to receive reimbursement quickly from Long Term Care Insurance Companies, it’s best to use an agency experienced with Long Term Care Insurance company’s procedures and requirements.

A-1 Home Care Agency has over 25 years’ experience working with Long Term Care Insurance.

What A-1 Home Care Does for You

Our Process:

When you call our agency, we perform an Intake Assessment over the phone.  This helps us learn your needs and prepare a Non-Medical Plan of Care.

Next, we verify your coverage with your insurance provider and arrange home care services based on your care requirements and that is within your budget.  Our caregivers are then scheduled to fit your personal preferences and daily needs.

Our agency requires a Staffing Agreement be signed and returned and pre-payment before the start of service.  The Staffing Agreement provides confirmation of schedule and rates as well as general information and our policies.

We can have home care service for you within 2 or 3 days of your initial call. 

You deserve professional, affordable and compassionate care and A-1 Home Care guarantees assistance in a quick and trouble-free manner.

We maintain all documentation regarding your account and submit Invoices, Plan of Care Notes and any other information the insurance company requires to ensure you are reimbursed quickly.

We are recognized as being a professional home care agency by insurance companies and are knowledgeable about their procedures to ensure clients receive a timely reimbursement.

Our staff can assist clients with everything from initializing a claim to managing your loved one’s care plan and account.  We maintain all records required by your long term care insurance company and the IRS, allowing you to enjoy time with your family.