Our Long Term Insurance Partners
HEALING HANDS HEALTH SERVICES LLC will act on your behalf with your insurance company. Listed below are some of the insurance companies we currently work with:
- John Hancock
- Shipp (Conseco, Washington National)
- Genworth
- Brighthouse Financial (MetLife®)
- Bankers Life
- CNA
- Continental General (Kanawha)
- Penn Treaty
- Unum
- Metlife
- AF&L
- Triplus (National State)
- Blue Cross Blue Shield
- Transamerica
- Mutual Of Omaha
- Mass Mutual Insurance
- Lincoln Benefit Life
- Union Labor
- State Farm Insurance
- New York Life
- AIG Insurance
- Prudential
- Mutual of Omaha
- American Fidelity & Liberty Insurance
- American General Life
- APD Waiver Medicaid
- Medicaid
- Medicaid Long-Term Care Insurance
- Humana Long Term Care
- Florida Community Care
- Sunshine Health Long-Term Care
- Simply Healthcare Long-Term Care
- AmeriHealth Caritas Long-Term Care
- Aetna of Florida
- Medicare
- Medicare Advantage Plans
- Aetna Medicare Advantage
- Cigna Medicare Advantage
- Florida Community Care Medicare Advantage
- Molina Medicare Advantage
- Wellcare Medicare Advantage
- Devoted Medicare Advantage
- CarePlus Medicare Advantage
- AvMed Medicare
- Simply Healthcare Plans, Inc.
- and so on
- Commercial Insurances
- Cigna Commercial
- Ambetter
- Aetna
- United
- and So on
In case your long-term policy is not listed above, please place a call.
We are open to all long-term care insurance and shall handle your filing. Our finance manager shall gladly answer all your questions concerning your policy and shall also get on a call with you and your insurance company to authenticate and cross-check your benefits so that you are well aware of what is exactly covered in the policy. HEALING HANDS HEALTH SERVICES LLC will work with your budget and we are very flexible. We will try our best to help you and your loved ones. We accept all major credit cards.
HOW TO PAY FOR IN-HOME CARE
In 2017, the average cost of non-medical home care services in the United States was $21/hour*. However, the expense can vary depending on several factors such as location, the extent of care required, and in-home care provider.
People use one of the following methods or a combination of these methods to pay for in-home care services.
Choose any of those Payment Options
Personal Savings / Income
Since Medicare does not include the cost of non-medical home care, one has no choice but to use their personal funds and income to cover the expense.
Long-Term Care Insurance
Long-term care insurance or whole life insurance that has a long-term care rider may cover your expenses of the home care services, provided that it is mentioned explicitly in the policy. Another suitable alternative to consider is converting the life term insurance policy into a plan that includes home care services or canceling the policy completely in exchange for cash.
Medicaid
Medicaid shall wholly or partially cover non-medical home care expenses of individuals who meet their respective state’s eligibility requirements. Coverage is usually provided via Home and Community-Based Services (HCBS) or via Medicaid waivers to individuals whose earnings and possessions fall below a defined threshold. Waiting lists are typical.
Medicare in-home care benefits
Medicare is the federal health insurance program for people age 65 or older, younger people with certain disabilities, and people with end-stage renal disease, or amyotrophic lateral sclerosis (ALS).
In most cases, when ordered by a physician, Medicare Parts A and/or B will pay for medically necessary services provided in a home setting over the short term. However, a senior who requires only nonmedical care (e.g., meal preparation, bathing assistance, housekeeping), won’t qualify for Medicare coverage of these services.
Medicare-certified home healthcare agencies are companies contracted by Medicare to provide a host of covered home health services. Medicare only pays for services provided by an agency that meets its quality standards. A senior who’s part of a Medicare Advantage plan may have to use a certified home health care agency that participates in their plan’s network.
Nonprofit Support Waiver
Nonprofit for Home Health care gets grant funding. Home healthcare groups that have a nonprofit do fundraisers and collect donations and grants to provide those services without charge. Individuals in the community who cannot bear the expenses of in-home care services can receive help from the non-profit.
Accepted Major Credit and Debit Cards
HEALING HANDS HEALTH SERVICES LLC accepts major credit and debit cards, such as Visa, Mastercard, American Express, Discover, and more for your convenience.
