In Home Care Services Paid for by Long Term Care Insurance
Accountable Home Care Nurse Registry works with many long term care insurance policies. As a senior care leader in South Florida, we have a clear understanding of how long term care policies work. Long-term care insurance allows patients/clients to open a claim and receive in home care services through a caregiver referred by Accountable.
Whether you are filing an initial claim or reinstating a previous claim, our long term care insurance experts can help you navigate the claim process and will personally assist you in better utilizing your policy at no additional cost.
- 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
Maximizing Long-Term Care Insurance with Home-Based Care
A majority of individuals who have purchased a long term care policy use their policy for in-home care versus a nursing home. The need for in-home care is not planned and unfortunately a number of individuals did not purchase a policy. For the individuals who invested in a long term care policy and paid annually for the coverage, using the policy does not have to be taxing nor create any unnecessary stress. At Accountable Home Care, we want you make sure you maximize time with a caregiver so you can continue to thrive in a safe, home environment.
Interesting Facts About In-Home Care
Roughly 52 percent of aging adults reaching 65 today will need in-home care services. Unfortunately of the 52 percent that will need home care, fewer than 10 percent of older adults have purchased a long term care insurance policy.
Currently more than 6 million older adults are considered to have a “high need” where they can benefit from in-home non-medical care.
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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.
Can my mom’s caregiver help her with her eyedrops?
Under the State of Florida, Certified Nursing Assistants can assist a patient when the patient squeezes the eye drop bottle. The caregiver can assist the patient by holding steady the patient's arm when they self administer the eye drops.
Testimonials View All
We retained Accountable during a very emotionally trying period in our mother’s life after she became very ill and could no longer live alone. Accountable provided services to our mother for approximately 1 year. Although it is very difficult to bring a caregiver into the home of a person who has been independent for her entire life, Accountable was very sensitive to our mother’s needs and concerns. They worked with us to find professional, qualified caregivers to care for our mother. We would recommend Accountable to anyone in need of professional, qualified and sensitive caregivers for part-time or full-time care.
Happy Family Member Beth A. – Jupiter, FL
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