private care

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.

If you or someone you love has a long term care policy, a patient care coordinator from Accountable Home Care can discuss home care services.  It is always helpful to have your long term care policy available so a representative from our nurse registry and your long term care agent can review the terms with you.   It is important to us that clients have a complete understanding if there are any out of pocket expenses prior to the long term care insurance paying for care.  Most people that ask for assistance have never used their long term care policy and the process seems overwhelming.  Families and clients alike can be assured we can ease any uncertainties to ensure the claim filing is not a painful process.

Benefits of Using a Long Term Care Policy for Custodial Care

We help facilitate opening an insurance claim with the long term care insurance provider and the patient.  Common terms such as Elimination Periods, Monthly or Daily Benefit, Care Advisory Services, Stay at Home Benefits and Assistance with Daily Living Requirements are discussed as part of the intake process.