long term care insurance claim

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.

Caregivers have the discretion to drive a client to a doctor's appointment or any errand in their own vehicle. This is considered part of the care requirement at the initial assessment where the caregiver who accepts the case is aware of the transportation request and agrees to get reinbursed a set amount for mileage reinbursement.