CareGivers – Your Long Term Care Insurance Experts

When considering home care for yourself or loved ones, “how am I going to pay for this?” is usually a big concern.  But if you or your loved ones have Long Term Care (LTC)  Insurance, that can help put your mind at ease because most of these policies cover home care for the policyholder at some level.

Navigating a Long Term Care insurance policy can be time consuming and confusing.   Many home care companies put the burden on the client – requiring that the client pay for the services, then the client has to deal with the insurer to find out what’s covered and submit receipts to them for reimbursement.  Some companies claim to be “licensed” home care providers, but they only have a business license and are not licensed by the state’s department of health to provide home care. Any services they provide will not count toward the spend down or elimination period, because most LTC Insurance carriers require home care providers to be licensed by the state’s Department of Health.

At CareGivers, we think that our clients should be focused on their health and well-being, not insurance paperwork.  Our staff is experienced at working with LTC insurance companies – we contact your insurer to get the details about what’s covered under your policy, and we help you understand those details.  If you choose our services, we will help complete all required paperwork, and we will bill the provider for covered services directly.   If there’s an elimination period or co-pay – we help track that.  Our goal is to make this process as easy as possible for you.

Some of the Long Term Care Insurance providers we have worked with include:

  • AIG Life Insurance
  • American Progressive
  • Bankers Life
  • CNA Insurance
  • Genworth Insurance
  • John Hancock Insurance
  • MedAmerica Insurance
  • MetLife Insurance (Individual & Group) – also known as Brighthouse Finanacial
  • Mutual of Omaha Insurance
  • New York Life Long Term Care
  • Penn Treaty Insurance
  • Thrivent Insurance
  • UNUM Insurance

Helping a loved one find home care? Many times people forget that they have Long Term Care insurance – so be sure to ask them about it directly. If they think they might but aren’t sure, naming some of the providers above might help trigger a memory. If that doesn’t help, volunteer to help them look through their paperwork – they might have a paper copy of the policy filed away.

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CareGivers provides quality home health care services in Rochester, NY and Canandaigua, NY (and surrounding communities), including home health aides, personal care aides, companions/sitters, homemakers, housekeepers, nurses, and more…

Contact Information:
5297 Parkside Drive, Bldg 300
Canandaigua, NY 14424-8098

Tel: (585) 394-6090
Fax: (585) 394-4174

Serving: Monroe County, Ontario County

Office Hours: 8:30am to 4:30 pm (EST), Monday through Friday (on-call personnel after-hours)

Home care services available 24 hours a day, 7 days a week.