Are you a home care agency that accepts my long term care insurance policy? Yes, we are home care agency that accepts your long term care insurance policy. To date we have not encountered any long term care insurance policy that did not work with us and pay toward our services. Because we have a good, long established reputation and meet all the credential and business insurance requirements of long term care insurance companies, we have had no issue working with any of them.
Medicare & related Medicare supplemental insurance polices will, through doctor’s orders, often cover a limited amount of home health care on an episodic or temporary bases. Many situations though, demand home health care services that go beyond the scope or time period covered under Medicare, and Care Mountain provides most of the services that fit these needs. Our services are mainly paid for privately or under a long term care policy from such insurance companies as: Genworth long term care insurance, John Hancock long term care insurance, Mutual of Omaha long term care insurance, Mass Mutual long term care insurance, New York Life long term care insurance, Northwestern Mutual long term care insurance and Metlife long term care insurance. We work with many other long term care insurance companies, and have never had one that could not work with us.
Only about 15 percent of the elderly and senior citizens we worked with had long term care insurance, and with the recent skyrocketing long term care insurance premiums, we don’t expect this number to increase much. Most long term care insurance polices will require an assessment by an insurance company representative to determine eligibility to start paying out benefits. The most common determination of eligibility is that you will need assistance with at least three activities of daily living.
Many holders of long term care insurance polices are surprised to discover there is normally an “out of pocket” cost before benefit disbursements can begin. It is important to also understand what is considered an “out of pocket” cost that works toward meeting the requirement before benefit disbursement. People are often surprised to learn that time in a nursing rehab facility works toward this requirement.
Care Mountain has 29+ years of experience working with long term care insurance policies and the companies that offer them. We will make receiving your insurance benefits stress free for you by walking you through the process of getting the policy started, and by filing all necessary paperwork.