Private Pay/Out of Pocket
Generally, families pay out of pocket for senior home care services, such as assistance in living and specialized facilities for their loved ones. Usually, in-home care services are more affordable than facility care. However, even after that, the cost of care may differ by type of care, support time and overall senior needs.
Anyone interested in finding out more can call our office (972) 203-7322 to discuss the amount of care that may be needed.
With us, all of our home care plans are customized as per our individual seniors. A person may need specific care or more types of care based on the overall needs. At Comfort Keepers, we have categorized care into a few general categories with a care plan detailing specific care considering the majority of seniors. If you want to know more information on the types of care, feel free to reach out to us, or please refer to these home care services pages: respite care, companion care, personal care , and specialized care to get more information. Also, if you want to get an idea of the kind of care your elderly loved one needs, take these 3-5 self-administered survey or by clicking here.
How Long-Term Care Insurance Can Help Pay for Home Care
The cost of in-home care can be significant; however, long-term care insurance can help you pay the cost if the policyholder meets the requirements.
A long-term care insurance policy provider analyzes how a person needs assistance with Activities of Daily Living (ADLs) to determine overall eligibility for benefits. A person might need support in bathing, dressing, eating, or moving from one position to another. These needs are checked when determining insurance coverage, amount to be paid, and maximum benefit period. To take the benefits of long-term care insurance, the policyholder might need some documents such as:
- Your long-term care insurance policy information
- Medical or health-related documentation
- A care assessment
- A personalized care plan
- Invoices or receipts for care
- Completed insurance claim forms
Every policy is different, and the benefits available are also different. Comfort Keepers can help you understand the insurance, support you with the documentation, and guide you in taking maximum benefit from it.
Your Partner in Navigating Long-Term Care Insurance
The process of getting long-term benefits might feel challenging. But with Comfort Keepers, our team can assist you throughout the process, making it smooth.
Understand Your Care Needs
Every person is different, so the care services offered are also different. We help families in selecting the best care options that align with LTC benefits.
Create a Personalized Care Plan
We understand your loved one's routines, preferences, and the kind of support they need to develop a plan accordingly.
Support the Documentation Process
Our team even supports you in organizing proper documents such as care plans and invoices that you may need to avail insurance benefits.
Help Navigate the Claims Process
If you find the insurance claims process complex, we can assist you with communication and the right guidance through every stage of your claim.
Work With a Variety of LTC Insurance Providers
Comfort Keepers has experience working with a diverse client base with a variety of LTC policies. We know the process well, and we can make it easy for you.
Long-Term Care Insurance & Home Care in Lewisville
Comfort Keepers provides a variety of in-home care for families in Carrollton and the surrounding communities. Whether you are looking to explore home care options to take care of your loved ones or want assistance with long-term care insurance, our team can support you in the process.
Our Carrollton Office:
3740 N. Josey Lane, Suite 237, Carrollton, Texas 75007
Our Carrollton service area includes:
Trust Indicators
Costs of in-home care may be covered by policies from the following long-term care insurance providers:
Reverse Mortgages
One of the most common options homeowners can try is a reverse home mortgage. You can also use a reverse mortgage to pay for in-home care. Reverse mortgages are basically loans taken out against the value of their home. With such loans, families can pay for their loved one’s home care using the house or accrued principal.
However, this approach also involves some risk, and we are not financial advisors. We are just making you aware of this alternative. The Federal Trade Commission (FTC) has an excellent web page detailing the different types of reverse mortgages .
If the options look worth considering, we urge you to check out their site. Please note that a lot of the related Texas laws and regulations are centered around Assisted Living Facilities. Also, if you need some assistance with home care services or non-medical in-home care, feel free to contact our office, and we will be happy to assist you
Click to Call (972) 203-7322 Submit A Question Online
Frequently Asked Questions
1. Can long-term care insurance help me in paying for in-home care?
Yes, many long-term care policies can support families in paying for in-home care services. However, the coverage and benefits depend on the type of policy.
2. What does elimination period mean in LTC policy?
An elimination period is basically the time you need to wait for pay after becoming eligible for benefits. Its length generally differs from policy to policy.
3. What documents are required for long-term care insurance?
Generally, a policyholder needs documents such as policy information, medical documents, and care plans, as well as invoices, to get the benefits. At Comfort Keepers, our team can assist you in the process by providing care documents that you might need.
4. Can Comfort Keepers help with my long-term care insurance claim?
Yes, Comfort Keepers works with different clients with different policies. We understand how this process works, and our team can guide you in your LTC insurance process.
5. What are Activities of Daily Living (ADLs), and how do they affect eligibility?
ADLs include basic everyday activities such as bathing, dressing, eating, or moving. Many seniors need care services to do their daily activities. An insurance provider usually determines LTC eligibility by analyzing a person's need for assistance with ADLs.
Best In-Home Care Agency in Carrollton, TX
★★★★★ Rated 4.8+ Stars on Google
★★★★★
I cannot say enough wonderful things about Comfort Keepers in Carrollton. Their team has provided exceptional care, compassion, and professionalism every step of the way. From the very first conversation, they took the time to understand our family's needs and matched us with caregivers who genuinely care about the well-being and dignity of their clients. The caregivers are dependable, attentive, and treat their clients like family. They consistently go above and beyond, providing not only excellent assistance with daily activities but also meaningful companionship that brings peace of mind to loved ones. Communication from the office staff has been outstanding. They are responsive, organized, and always willing to help whenever questions or scheduling needs arise. It is clear that Comfort Keepers is committed to delivering the highest level of service and support. If you are looking for a trustworthy, compassionate, and professional home care provider in the Carrollton area, I highly recommend Comfort Keepers. Their dedication to quality care has made a tremendous difference for our family, and we are truly grateful for everything they do.
— Cedreek Mariino
★★★★★
Where do I start, I absolutely LOVE this company. I was super nervous getting a caregiver for my mom with all those stories I hear, but Jasmine who is my mom's caregiver is AMAZING. I could not have asked for a better caregiver and you can tell management loves what they do, Chasity was patient and kind with me and guided me every step of the way. If you are looking for a caregiver trust and believe you won't regret this place!
— Joi Pitts
★★★★★
I am pleased with the care my dad receives from the professional staff. The caregiver in our home provides quality service we can trust.
— Betty Edwards
★★★★★
Excellent experience, superior interpersonal communication with Office Manager. Highly impressed with interaction with Owner Mark Miller. He is extremely organized, engaged and he assessed every need. He executed effectively with his staff to deliver exemplary service. I will never go with another Home Health company. Comfort Keepers of Carrollton is amazing. Amanda and Amber took care of me, and they coordinated my care with my Primary Care Physician to ensure I was taken care of. Amber assembled my medical equipment to help me with my physical therapy.
— Ms. Shelby Craft
★★★★★
I really enjoyed the service that this company gives. The caregiver Shanikwa took very good care of my father and was very gentle and caring with him! He loved her. Thank you guys so much and the coordinator Chasity was a very big help getting me a great staff member for our family and also called to check in to see how things went! I really appreciate this company.
— Lanae Brown
