Do you have a Long Term Care policy? Are you uncertain about how to proceed? We can help.
Our team is knowledgeable in LTC Insurance claims administration, including reimbursement and initial claim support. For no additional fees, we routinely help our clients through their entire claim. We will help you navigate your policy and maximize your daily or monthly benefits so that you don’t have to worry about the details.
Here are the most common Long-Term Care questions we receive from our LTC clients:
I don’t know what my policy covers?
Don’t worry – we can review your policy with you and help you to make sense of it. If we can’t give you an answer we will coordinate the support with the carrier or with our trusted partners. We can offer you a free policy review for you or a loved one so that you know how much your policy will cover.
What does it mean if there is a daily, monthly or lifetime max?
The daily maximum is a certain amount of money that you will be reimbursed for care provided on a specific day.
If you have a monthly maximum you will be reimbursed for all the care costs up to a specified amount.
The lifetime maximum is simply the total reimbursable amount of care you will receive from your carrier subjected to the daily or monthly maximums.
Is there an Elimination Period?
Most policies have an elimination period – the time you must receive care before your policy will begin to reimburse your care. In most cases we deal with its 90 days but it can vary widely and you should consult your policy for specifics.
Other common Elimination Period questions we can help you answer:
Has the period been satisfied? Full or partial?
Is there anyway to speed up the Elimination Period?
Can you track my Elimination Period? (YES!)
What is the difference between 90 service days versus 90 day elimination?
What is the difference between calendar and service days?
This is a significant point in most LTC policies. In many cases the elimination period is confusing and leads to significant heartache among our clients. Please call us at 714-671-6877 if you have any questions.
If you have a service day elimination period you must have service and invoices for the total number of days required in your policy.
Do you know the difference?
Can you help me with the endless paperwork?
Yes!! We will!
Does the policy cover home care?
At what percentage (100%)?
What is the daily policy maximum for home care?
Is there an inflation rider?
What is the anniversary date?
What are the policy requirements for coverage?
What triggers or ADL’s will be needed to determine if care is covered? ADL’s: bathing, continence maintenance, dressing, feeding (eating), toileting, transferring.
We’ve tried other elderly care providers in Brea, but home care providers without a doubt provide the most dependable and compassionate care! Their caregivers pay great attention to deal and for no minimum hours for senior care in Brea. 5 stars for the professional and trustworthy care!
This in home care provider in anaheim truly provides the perfect marriage between professional yet compassionate care! My mother can be difficult with her medication but they got her to take all of it on time without upsetting her.
They have provided excellent care and treatment for my mother. Nursing staff are kind, patient and compassionate with my mother. They listen to her needs and always communicate with ease and clean instructional care as my mother progresses in her treatment plan and rehabilitation to normal activities. I highly recommend them for anyone who needs in home health services.
I have been working at Home Care Providers for about two months now. From my first contact with them I knew it would be a great fit for me. The staff is friendly and it is an amazing atmosphere. Most important, they CARE for their seniors and it's apparent that the standard to provide the highest quality of care is present in everything they do! As a nurse of 9 years I can say I love being a part of this unique team! If you are looking for a position with this company, let me tell you that it is a great experience. And if you are a senior or a family member of a senior looking for care then look no further because Home Care Providers is a great choice!
Click here To Learn About How We Eliminated Minimum Hourly Care