One of the most frequent questions we’re asked is if the services of our caregivers are covered by insurance or Medicare. When you engage the assistance of private duty home care services, like those provided by Active Home Care, this is not usually covered by general health insurance, Medicare or Medicaid. However, we can accept Long-Term Care Insurance (LTCI).
What Is Long-Term Care Insurance?
Long-Term Care Insurance is specifically designed to reimburse policyholders for any home care they hire to assist individuals with daily activities and quality of life care. Depending on your LTCI policy, you could see reimbursements daily, weekly or monthly for either a portion or the whole amount of the costs associated with your elderly loved one’s home care.
Some policies even included an additional benefit for the care of loved ones who have been diagnosed with a cognitive impairment. Conditions like dementia and Alzheimer’s require more specialized home care assistance, so this added benefit is a relief to families who have a loved one who suffers from these.
Find out Your LTCI Coverage Ahead of Time
If you’re unsure what your LTCI policy covers and what kind of reimbursements you should expect, we recommend contacting your insurance provider, so you have a full understanding of the criteria, benefits and responsibilities associated with your policy. This will ensure a smooth experience with the claims process.
Contact Active Home Care With Your Questions or Concerns
If you need any assistance determining if Active Home Care is covered by your Long-Term Care Insurance, please feel free to contact us today. We are always available to answer any of your questions or concerns.
Whether you’ve already chosen us to assist you with home care or you’re still deciding, we strive to make ourselves available, getting back to you the same day you contact us. You can fill out our online form, and our team will get back to you as soon as possible. Or, call us at 786-360-3449. We serve elderly clients throughout Miami-Dade and Monroe Counties.