Long Term Care Insurance

At 2nd Family of the Main Line, we understand the unique care needs of seniors and the importance of accessible, high-quality care. Our services, including personal care for seniors, home care for seniors, dementia home services, and transportation assistance, are designed to provide comprehensive support to seniors in their homes. We are proud to offer our services to those with long-term care insurance, ensuring they can make the most of their benefits.

Long-term care insurance policies often provide coverage for in-home care services, with the extent of coverage based on the policy’s terms​​. At 2nd Family, we work with any insurance provider offering a home care benefit as part of their policy. This flexibility allows us to cater to a broad range of needs and preferences, ensuring that seniors in greater Ardmore community receive the care they require. All with the ability to remain at home by using long term care insurance in Philadelphia.

What is covered and included?

Our part of our services, we will handle processing claims information with the insurance provider. Every two weeks, we will submit your invoice along with the corresponding care logs. This means all you’ll need to do is wait to be paid by the insurance company. Typically, claims are reimbursed within 30-60 days.

Use of a long term care insurance policy for assisted living at home usually requires assistance with at least 3 activities of daily living. Under our personal care services program, our compassionate team of trained caregivers will gently provide assistance with tasks such as bathing, grooming, toileting, and mobility.

For those seeking reliable and compassionate care via long term care insurance in Philadelphia, 2nd Family stands as a preferred choice. Our wide range of services, combined with our ability to work with various insurance providers and programs, positions us uniquely to serve the diverse needs of seniors in Philadelphia. We invite you to explore how we can assist you or your loved ones in maximizing the benefits available under your care insurance in Philadelphia.

Long Term Care Insurance FAQ

What types of services does long-term care insurance typically cover for seniors receiving home care?

Long-term care insurance generally covers services that assist seniors with personal care needs at home. This can include help with daily living activities like bathing, dressing, grooming, and meal preparation. It may also cover specialized care for conditions like dementia or Alzheimer’s disease, as well as necessary transportation to medical appointments and errands.

Does long-term care insurance cover the full cost of in-home care for seniors?

The extent to which long-term care insurance covers in-home care costs depends on the specific policy’s terms. Coverage can vary, with some policies covering a significant portion of the costs, while others may have limits or specific conditions for coverage. It’s important to review your policy details to understand the coverage limits.

Can long-term care insurance be used to pay for non-medical in-home care services?

Yes, long-term care insurance often covers non-medical in-home care services. These services include assistance with daily living activities and may also extend to companionship and light housekeeping. Non-medical in-home care is essential for many seniors who wish to maintain their independence at home, and this coverage helps make it more accessible.

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