Many families have Long-Term Care (LTC) insurance but don't fully understand how it works or whether home care is covered. The answer is often yes, but navigating a policy can feel overwhelming.
LTC policies typically cover daily care costs at home, including CNA services, home health aides, and personal care assistance. Most policies set a daily benefit amount (often $100-$300+), and home care providers submit claims for reimbursement. Your out-of-pocket cost depends on your actual daily costs versus your benefit amount.
Advantage has years of experience helping families activate their LTC benefits and navigate the claims process. We work with major carriers, understand policy language, and help maximize your coverage. It's one less thing to worry about when care decisions are already stressful.
If your family has Long-Term Care Insurance, are you unsure how to activate it or what it covers? We can help clarify.
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