Long Term Care Insurance

Using Long Term Care Insurance for Approved Home Care Services

Long term care insurance policies can cover home health care, however, not all policies have this coverage . Give Approved Home Care a call today to find out what your LTC (Long Term Care) policy may cover. Once your loved one is set up for services, we submit the long term care insurance paperwork directly to claims services.

Most long term care policies have a waiting period.  Ask your long term care agent how long is the waiting period for claims to be paid by the policy.  Many policies have a 30, 60, or 90 day clause that requires you to pay for an in-home caregiver during the waiting period if the care agency has the correct state license.  The long term insurance policies will not let you pay a relative for care to qualify for the benefit.  The care has to be completed by a licensed in-home care agency for activities of daily living.  We submit the claims directly to the insurance company during the waiting period.  We also submit the on-going claims. The insurance company pays you the benefit once you qualify and the claim is processed.  We bill every 2 weeks and can provide an itemized bill of hours worked to the long term insurance company for correct reimbursement of charges to you.  It is very simple when you use our professional services.