Long-Term Care Insurance for Home Care in Hollywood, FL

Name: Comfort Keepers Home Care
Address: 450 N Park Rd Ste 501, Hollywood, Florida, 33021
Telephone: (954) 920-0055

Comfort Keepers works with long-term care providers to cover home care in Hollywood and surrounding areas

As seniors age into their golden years, there are many new challenges they must face. Those include getting the care they need as time goes on, and the ability to pay for that care. Luckily for our clients, there are many long-term care providers we accept to relieve the financial burden of paying for home care. Here is some important information you should know about this type of coverage.

Does my health insurance cover home care?

This is a common question we get when families are looking for a home care provider for their loved one. It is based on your specific plan, and the best way to know will be to call your health care provider and ask.

Most health insurance companies follow Medicare guidelines for home care. This means that unless there is a specialized type of care, like occupational therapy or post-hospital care, a senior needs that causes them to be homebound home care will not be covered.

What is long-term care insurance?

Long-term care insurance is a type of proactive health care coverage designed to assist seniors as they age when needed. This includes assistance with daily activities at home, or any facility they are staying at, that are not usually covered by standard health insurance.

When you are shopping for this coverage you will usually have to file an application, provide health records, and be interviewed by the provider. From there you will be approved or denied, and able to work out the conditions of your plan.

When does long-term insurance cover my home care?

Under most long-term plans, you are eligible for services to be covered when you cannot perform 2 out of the 6 "activities for daily living" These include:

Bathing.
Caring for incontinence.
Dressing.
Eating.
Using the restroom
Getting in and out of bed or a chair

From there, based on your coverage, you will follow steps to getting care paid for by your insurance.

When should I buy this type of insurance?

Waiting to buy this insurance until you need care is not an option. If you have a current debilitating condition you will not be accepted for coverage. Most who buy this type of insurance do so in their mid-50s to mid-60s as a long-term, proactive measure to ensure they get the care they need in the future.