Most families pay for in-home care privately, with long-term care insurance, or with a mix of both. Aging Well Care accepts ACH, credit card and check, and works with many long-term care insurers.
Long-term care insurance we work with
- John Hancock
- Genworth
- SHIP
- Bankers Life
- C.N.A.
- Penn Treaty
- MetLife
- Lincoln Benefit Life
- UNUM
- TransAmerica
- Mutual of Omaha
Your policy is not on the list? Call anyway. Many policies work the same way, and we are glad to look it over with you.
Important: call your insurance company first, before your assessment. Tell them you are starting home care and ask what they need. Starting care before you talk to them can change how, or whether, your policy pays.
How we help you use your policy
- Call your insurance company first. The policy number and the claims phone number are usually on the first page. Tell them you are starting home care, before the assessment.
- Call us. We walk through what the policy says about home care, the daily or monthly benefit, and the elimination period.
- Free assessment and care plan. The insurer usually needs to confirm your loved one needs help with daily activities or has a cognitive impairment. We help with the care plan and the records they ask for.
- Care begins. You pay for care and submit our invoices, and the insurer reimburses you.
We help with the billing
Insurance paperwork is the part families dread, so we carry it with you:
- Clear invoices sent to you by email
- A care log that shows the status of every visit
- Thorough, organized records your insurer can rely on
- Help answering the insurer's questions along the way
Private pay
Pay by ACH bank transfer, credit card or check. You will know the rate and schedule before care starts. No contract required, cancel any time, and there is no hourly minimum.
Questions about paying for care
Should I call my insurance company before the assessment?
Yes, please do. Call the claims number on your long-term care policy before your free assessment and tell them you are starting home care. Starting care before you talk to them can change how, or whether, the policy pays.
Do you help with the billing?
Yes. You get invoices by email and a care log that shows the status of each visit, and we keep thorough records for your insurer. With most policies you pay for care and the insurer reimburses you.
Is there a contract?
No contract required. You sign a simple service agreement, and you can cancel any time. There is no hourly minimum either.
Do you accept long-term care insurance?
Yes. We work with many long-term care insurers, including John Hancock, Genworth, SHIP, Bankers Life, C.N.A., Penn Treaty, MetLife, Lincoln Benefit Life, UNUM, TransAmerica and Mutual of Omaha. We can help you check what your policy covers.
How do I pay privately?
We accept ACH bank transfer, credit card and check.
What is an elimination period?
Most long-term care policies have a waiting period, often 30 to 90 days of care, before benefits start paying. Your policy paperwork lists yours. We can help you read it.
Does Medicare pay for in-home care like yours?
Medicare generally does not pay for ongoing non-medical care at home, such as help with bathing, meals or companionship. Most families use private pay, long-term care insurance, or both. Call us and we will talk through your situation honestly.
Will you tell us the cost before care starts?
Yes. You will know the rate and the schedule before anything begins. The first consultation is free and comes with no obligation.
