Why should I choose home care? For management of chronic diseases such as COPD.

How much does it cost for in home services? A free in home assessment is done by a licensed nurse to determine services needed for your loved one, and to discuss options available to you.

What if I don’t have health insurance? We accept cash, check, credit cards, and private home health insurance. Our financial team will help determine options available to you.

When can i start to receive services? As soon as a home evaluation by one of our licensed nurses has been completed.

When are services available? We are available 24 hours a day, 365 days a year by phone (603) 273-0662 or after hours emergency (603) 931-3633 or by email info@lakesregionhomehealth.com

Do I have to maintain a minimum amount of hours weekly? Yes. A minimum of 2 hours needs to be maintained weekly, in order to stay with our services.

Are your staff members trained and licensed? Yes. All staff members are currently licensed through the state of New Hampshire, CPR certified, criminal background checks done, and elder abuse checks are also done. Monthly training is also provided to staff on specialty care in areas such as geriatrics, Alzheimer’s, and dementia.

Long Term Care Insurance and Home Care

Lakes region Home Health Care can open a claim and assist you through this process.  

What is LONG TERM CARE INSURANCE?

Long-term care is a range of services that may meet your personal care needs. Most commonly among long-term care, the care is not medical, but is assistance with basic tasks of daily life, these tasks are referred to as Activities of Daily Living (ADLs), such as:

  • Bathing
  • Dressing
  • Using the toilet
  • Transferring (to or from bed or chair)
  • Caring for incontinence
  • Eating
  • Housework
  • Medication management
  • Preparing meals and cleaning up
  • Clothes or grocery shopping
  • Use of communication devices including the telephone

How does I get LONG TERM CARE INSURANCE?

Long term care insurance (“LTC”) is a type of insurance coverage that is available for those who may potentially need long term care. There are different types of long term care insurance (LTC) available but as a standard it covers things that health insurance does not, and it can also protect your assets. When an LTC policy is purchased, it helps to eliminate any potential burden that might be placed upon your children or other family member who would be responsible for setting up and providing care. These policies traditionally cover services for adult day care, nursing homes but can also cover services such as assisted living and home care. If you are an LTC policy holder, the benefits will be triggered when you begin to need help with activities of daily living or have a severe cognitive impairment.

WHEN DO BENEFITS START?

Different policies may have different “benefit triggers”—conditions that must exist for an insurance company to pay benefits. Only when you are no longer able to perform two or more activities of daily living for an extended amount of time, or have been diagnosed with a cognitive impairment, like Alzheimer’s will a tax-qualified policy begin to pay for care. You must also have a plan of care prescribed by a licensed health-care practitioner.

WHEN WILL PAYMENTS START?

The “elimination period,” is the waiting period before the LTC policy begins paying for care. It begins as soon as your benefits have been triggered. You may have to pay for any long-term care services you receive during that time. The most common options are for benefits to start at 20, 30, 60, 90, or 100 days after you begin to receive covered services.

WHAT IS THE BENEFIT AMOUNT?

When buying a long-term care policy, insurance companies will give you a choice of a daily benefit amount for home care, usually the daily benefit amounts range from $50 to $350 per day.  Or sometimes the benefits amount can be a percentage up to a fixed dollar amount. For example: 75% of the total cost up to $325 per day. Benefits for home care, nursing homes, etc. are different per policy.

HOW LONG WILL BENEFITS BE PAID?

It’s most common for benefits to be paid for one, two, three, or five years, or for your lifetime. The longer the benefit period, the higher the premiums. The lifetime maximum amount for the policy is usually calculated based on the daily benefit and the number of years you have chosen for your benefit period.

CLAIMS PROCESS

WHO CAN INITIATE an LTC CLAIM?

Anyone may start a claim on behalf of an Insured. The individual will need the Insured person’s full name, social security number, date of birth, and policy or certificate number available.

HOW MAY AN INDIVIDUAL BE GRANTED ACCESS TO THE INSURED PERSON’S CLAIM INFORMATION WITHOUT A POWER OF ATTORNEY OR COURT DOCUMENT?

By completing an Authorization to Release Information form, the Insured person or Insured’s legal representative may grant another individual access to Protected Health Information (PHI).  Most LTC providers have their own standard form.

Claim Activation forward arrow pointing right Initial onsite assessment forward arrow pointing right eligibility review process forward arrow pointing right determination

Claims Activation:

  • Call the LTC company and inform the insurance company that a claim would like to be initiated
  • LTC company will mail a packet of paperwork to the insured that will need to be completed by healthcare professionals

 

Helpful Websites