Private or Commercial Health Insurance policies typically do not cover in-home care services. Always best practice to ask your commercial provider if they do cover any non-medical in-home care services, as health insurance providers are trending towards starting to cover these services because in-home care can help an individual remain safe and independent at home, which is a better cost savings than in facility care.
Long-Term Care Insurance can provide an income stream to pay for the cost of care in a variety of settings. Although mistakenly called “Nursing Home Insurance” by many people, these policies also help pay for services needed for people who want to age in place at home.
Covered services typically include personal care, companionship, and other in-home services they desire and need as various care needs arise. The amount of benefit varies based on the level of policy purchased.
Generations Home Care, LLC works with some of the largest Long Term Care Insurance providers and can help you navigate your LTC policy. Contact us for more information.