Long Term Care (LTC) insurance is increasingly common and because Custom Home Care is a licensed Home Care Agency in the state of Illinois our services are covered under LTC insurance plans. If you intend to use you LTC insurance please notify us to discuss coverage.
LTC policies have various qualifications for payment. Due to the HIPPA Privacy Act, insurance companies require the insured to make the initial contact with the provider. We ask that you contact your insurance company and tell them that Custom Home Care, LLC is going to be providing a personal caregiver for you. In addition, we will need you to request coverage information regarding your policy from your insurance company and ask that you provide it to us. After we receive this information from you, Custom Home Care will work directly with your insurance company. We will immediately forward all the required agency information to your insurance company to begin your benefits. After we begin services we will provide all of the required documentation along with your invoice each billing period. Custom Home Care accepts an assignment of benefits, which allows us to invoice and be paid by your insurance company directly.
LTC insurance policies differ in their requirements for reimbursement. Most require the insured is in need of assistance with two to four of the Activities of Daily Living (ADL’s). There are six basic ADL’s: eating, bathing, dressing, toileting, transferring (walking) and continence. Some Long Term Care insurance companies require hospitalization and/or an elimination period before coverage begins. Most LTC policies have daily maximum benefits and some have maximum lifetime and other coverage restrictions or limitations. We recommend taking the time to review and understand your policy in order to get the most benefits from your investment.
Please request the following information from your insurance company and forward to our office:
- Policy Number.
- Daily Maximum Benefits.
- Elimination period, if any. The elimination, or waiting period, is the length of time you must wait and pay for services before your insurance company begins coverage.
- Billing address of insurance company, if applicable.
Custom Home Care looks forward to providing the very best home care services to you or your loved one. Please contact our office with any questions.