Ohio Long Term Care Insurance

At 2nd Family, we understand the importance of long-term care insurance in ensuring seniors in Ohio receive the non-medical in-home care they need. This type of insurance offers coverage for a range of in-home care services, and the extent of coverage depends on the individual policy’s terms. We proudly work with any insurance provider that includes a home care benefit in their long-term care insurance policy​​.

We Do the Work for You

To simplify the process, we handle insurance claim submissions on your behalf. Just provide your insurer’s name and policy number, and our team will submit the necessary invoices and shift logs. Most clients receive reimbursement within 90 days of invoice submission.

Additionally, we assist you in understanding your policy to maximize its benefits. It’s important to note the “elimination period” in your policy, a timeframe during which services must be rendered before coverage begins. This period varies per policy but is crucial as it will back-date to cover any out-of-pocket expenses incurred during this time. Therefore, we advise not to delay in starting to receive home care services.

Other Payment Options

Opting for in-home care through a professional agency like ours is often the best choice for families. While Medicare doesn’t cover these services, and most families pay for care privately using resources like Social Security benefits and retirement savings, long-term care insurance can provide additional funding. For those eligible, this insurance, along with the VA Community Care program, can significantly ease the financial burden of in-home care​​​​.

Our services cater to various needs, including personal care, home care, dementia care, and transportation assistance. For Ohio residents who purchased long-term care insurance policies, 2nd Family is an ideal choice for utilizing these benefits to receive comprehensive, compassionate, and professional in-home care. We commit to ensure that every senior we serve enjoys the highest quality of life, supported by the best in-home care services in Ohio.

Long Term Care Insurance FAQ

Can long-term care insurance be used to cover the cost of in-home senior care?

Yes, many long-term care insurance policies offer coverage for in-home senior care. The extent of coverage depends on the specifics of your policy. 2nd Family works with any insurance provider that includes a home care benefit as part of their long-term care insurance policy.

How does 2nd Family assist in the insurance claim process for in-home care services?

2nd Family eases the process by submitting insurance claims on behalf of our clients. Simply provide us with the name of your insurance company and your policy number, and we will manage the submission of invoices and shift logs. Most clients receive reimbursement within 90 days of invoice submission.

What is the ‘elimination period’ in a long-term care insurance policy, and how does it affect coverage for in-home care?

The elimination period is a set duration during which services must be rendered before the insurance policy begins to cover expenses. This period varies depending on the policy but is important as it will back-date to cover any out-of-pocket expenses incurred during this time. Understanding this period is crucial to ensure timely commencement of services and proper coverage. We’re happy to inspect the details of your policy to help you understand the specific parameters of your coverage.

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