Commonly Asked Questions When Using a Long Term Care Insurance Policy for In-Home Care Services
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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 I get the same caregiver for a morning and evening shift?
Maintaining continuity of care is important for our clients. Commonly known as "split shifts", the morning shift is designed to assist a client with their morning routine. Often referred to as rise and shine service, a four hour minimum is required with each shift. It is rather challenging to staff a client's wish with a split shift, however, it is up to the licensed caregiver to determine if they will accept both morning and evening shift. Evening shifts require a four hour minimum and generally clients request 6pm to 10am.
Testimonials View All
“Nancy is absolutely perfect- she anticipates our very need. She is always happy and pleasant to be with.”
Nancy, Certified Nursing Assistant (CNA) referred by Accountable Home Care