How to Find Home Care Agencies That Accept Long-Term Care Insurance

If your loved one has a long-term care insurance (LTCI) policy, it may help cover the cost of in-home care. Finding agencies in Aurora that work with LTCI policies requires knowing what to look for and what questions to ask.

Contact Touching Hearts at Home Aurora to discuss long-term care insurance and care options for your family.

How Long-Term Care Insurance Works for Home Care

Long-term care insurance policies typically cover non-medical home care services when certain benefit triggers are met. Common triggers include needing help with two or more activities of daily living (ADLs) such as bathing, dressing, toileting, eating, continence, or transferring. Cognitive impairment, such as Alzheimer’s or dementia, often qualifies as well.

Policies vary widely. Before assuming your loved one’s policy covers home care, review the policy document for benefit triggers, elimination periods (waiting periods before benefits begin), daily or monthly maximums, and care requirements.

Steps to Finding a Home Care Agency That Accepts LTCI

1. Review the policy details

Look for the benefit trigger language, care type definitions (skilled vs non-medical), elimination period, daily benefit amount, and maximum benefit period. Call the insurance company’s claims line if the language is unclear.

2. Contact the insurance company

Ask the insurer for a list of approved or preferred home care providers in the Aurora area. Some policies require care from licensed or certified agencies. Others reimburse any qualifying provider after documentation is submitted.

3. Ask agencies directly

When contacting home care agencies, ask: Do you work with long-term care insurance? Can you submit claims on behalf of the family or provide the documentation needed for reimbursement? What does your intake process look like for LTCI clients?

4. Start the claims process early

LTCI claims can take 30 to 90 days to process. File as soon as care is approved by the physician and the policy triggers are confirmed. Many families are surprised by the paperwork involved. A good home care agency can help guide the process.

What to Have Ready When Starting LTCI-Funded Care

• The LTCI policy number and insurance company contact information
• Physician documentation of the care need
• A care plan or assessment from a licensed professional
• The policy’s benefit trigger documentation
• Your loved one’s current diagnosis and functional limitations

Touching Hearts at Home Aurora and Long-Term Care Insurance

Touching Hearts at Home Aurora works with families navigating long-term care insurance for home care services in Aurora, Parker, Castle Rock, and surrounding communities. Our team can help explain our documentation process and how we support families through the claims process.

Have questions about LTCI and home care coverage? Reach out online or call (303) 632-8786 to talk through your situation.