INSURANCE
Find detailed information on the insurance plans we accept and how we work with you to ensure your home care services are covered
Insurance and Programs Accepted:
Long Term Care Insurance
Private Pay
Understanding Long-Term Care Insurance: A Guide for Families
Many people assume that health insurance, Medicare, or Medicaid will cover all senior care needs, but these programs do not typically cover non-medical assistance. For those who wish to remain at home as they age, investing in a long-term care insurance plan can provide financial security and peace of mind. Divine Living Homecare, a trusted provider in Massachusetts, is here to guide you through the process.
Contact us today to take the first step in planning for the future.
Long-term care insurance helps families access resources that allow their loved ones to age comfortably at home with professional home care support. It can also cover services in assisted living or memory care communities. However, navigating long-term care policies can be complex. Let Divine Living Homecare help you understand your options and make informed decisions.
How Long-Term Care Insurance Helps Provide Home Care
The majority of insurance policies require that the policyholder requires assistance with at least two Activities of Daily Living (ADLs) or have cognitive impairment in order to qualify to use their insurance benefit. Activities of Daily Living include:​​​
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Bathing & showering
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Ambulation
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Grooming
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Feeding
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Dressing
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Toileting
How to take advantage of long-term care insurance benefits
When the time comes to use your long-term care insurance, understanding the process can be challenging. Follow these steps to ensure you make the most of your benefits:
1. Review Your Policy Thoroughly
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Before starting the claims process, read through your entire policy to understand what it covers. If you don’t have a copy, request one from your insurance provider. It can be helpful to have a trusted family member, insurance agent, financial planner, or elder care attorney assist in reviewing the details.
2. Ask Questions Before Filing a Claim
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Clarify what your policy includes and excludes before submitting a claim. Understanding the details in advance can help prevent delays or denials.
3. Choose a Qualified Care Provider
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Selecting the right home care provider is crucial. Divine Living Homecare in Massachusetts has experience working with long-term care insurance and can assist with the necessary documentation for claims. When considering care providers, ask about their experience with insurance billing to avoid difficulties in reimbursement.
4. Monitor Policy Limits and Reimbursements
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Once your claim is approved, keep track of your remaining benefits. Many policies have coverage limits, so it’s important to plan strategically to maximize your benefits. Work with your trusted advisors to ensure your insurance is used efficiently.
How Divine Living Homecare Works
Your Personalized Care Starts Here
At Divine Living Homecare, we offer a wide range of personalized services designed to meet the unique needs of each individual. Our dedicated team is committed to providing compassionate care that enhances the well-being and quality of life for our clients.
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