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Long Term Care Insurance Management
reducing stress and burden with Long Term Care Insurance Management
Family Tree is pleased to offer in-house services to assist you with your long-term care insurance claims, reducing stress and burden.
Long-Term Care Insurance Management
Complimentary for Clients
Services Provided:
- Verification of Benefits
- Pre-evaluation (assessment)
- Complete necessary forms to initiate services
- Fax over required documents (Copy of License, Assessment, Service Plan, and W-9 form)
Program 1
Services provided:
- Mailing/faxing invoices to insurance carrier
- Mailing/faxing care logs to insurance carrier
- Gathering and completing care logs
- Tracking system for delivery of payments
- Handle all communication required for insurance carrier
- Train caregivers on how to accurately complete care logs
- Client is reimbursed by the insurance company
Program 2
Services provided:
- Same services as Program 1
- Family Tree directly bills the insurance carrier, assuming assignments of benefits (client is responsible if care is required outside the coverage limits)
- Fax over W-9
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Long-Term Care Insurance FAQs
Q: Will my Long-Term Care (LTC) insurance pay for services with Family Tree In-Home Care?
A: Yes – depending on the client’s individual plan, LTC coverage will pay for in-home care (caregivers) with Family Tree In-Home Care.
Q: What is the elimination period on my policy?
A: The elimination period is like a deductible where you are responsible for paying the full portion until your coverage begins. The elimination period is calculated either by calendar days or actual days of care. You can start care 3–4 days a week for 4–5 hours a day to minimize your out-of-pocket expenses during your elimination period and expand care as needed once the elimination period ends and coverage has kicked in.
Q: What is the maximum daily benefit?
A: Usually $80 – $300 a day. Maximum daily benefit is the maximum amount your policy will reimburse for each day. Find out if your policy has an inflation rider which can significantly increase your maximum daily benefit. Also, inquire about the anniversary date on which the policy increases each year.
Q: Which is the maximum lifetime benefit?
A: Most policies state the maximum lifetime benefits in terms of days or dollars. Find out which your plan uses.
Q: Can Family Tree file my LTC insurance on my behalf?
A: Absolutely. We are happy to initiate the claim for you. Your Care Advisor will discuss the different packages we offer as part of our services.
Q: How often will LTC insurance be filed with Family Tree?
A: Billing and LTC insurance take place concurrently, every other week. A billing calendar will be provided to you before the start of care.
Q: What are the benefits of Family Tree filing my LTC insurance on my behalf?
A: Family Tree will always initiate a claim once we receive the required information to do so. Our added support services can relieve you or your family member from the burden of tracking, completing, and submitting care logs and invoices to your LTC insurance company on a biweekly basis.
Q: How long will it be before the LTC insurance company pays out an invoice?
A: Most LTC insurance companies take 5 to 7 business days to upload the documents received into their system and send them off to the processing department. Once the processing department reviews the care logs and dates of service, it can take anywhere from 7 to 10 business days to receive the funds.
Q: Who should I contact if I have any further questions related to LTC insurance?
A: To support our clients, Family Tree provides a dedicated LTC insurance team who can assist in answering any further questions. You may reach this team by emailing billing@familytreeinhomecare.com.
What We Do
We’ve cared for thousands of families, including our own, and know that it can be overwhelming to care for a loved one.
Let our team of experts make it easier for you.
The aid that took care of our parent was wonderful. Not only did she provide physical care, but she was also a trusted companion.
Awarded & Recognized
Trusted In Our Community
Family Tree has excellent services... My grandmother has been receiving excellent care from start to finish! I highly recommend them!
Our Care Manager, Kara Rose, was phenomenal! She was readily available for questions and staffing. Her communication skills are excellent. The caretakers were, for the most part, well trained, followed instructions, and were very caring and loving. This is our second time using Family Tree and we highly recommend their in-home care services.
I would highly recommend Family Tree for the needs of parents that my need a little extra help. Every employee that came to help with my parents were dedicated to their needs and very professional which brought great comfort to myself and my sister’s who couldn’t be with our parents 24 hours a day. I want to personally Thank You for all you have done for my parents. Your company goes above and beyond what was expected! If needed again, I will certainly call on Family Tree without a second thought!
Wow! Family Tree relieved the tremendous anxiety we felt when we first realized we needed to have in-home care. Family Tree assured us of, and provided, most helpful, compassionate and caring people. They contributed greatly to our recovery, and provided the services needed. Family Tree's services are sincerely appreciated!
[Caregiver] was a very tender hearted caregiver who was a great source of comfort and love for our loved one during a very difficult time. Her compassion and care was exceptional. She is an angel. Our other Family Tree angel [Branch Staff] along with a very caring and supportive staff we’re amazing blessings to our family. Thank you Family Tree.
I was blindsided with a failed colon; 3 surgeries in 4 months, I hired Family Tree Private Care to get me back on my feet! Sick, underweight, malnourished, I received the most outstanding nursing care from day one! All the unexpected issues from caring for an ileostomy to getting my nutrition back, their attention to detail and knowledge was impressive. [Branch Staff] are why I am traveling to my sons football games again and playing tennis! Thank you Family Tree for nursing me back to health! Forever grateful to you for the nurturing, incredible care and encouragement during a difficult time for me and my family!