Health and mobility as one gets older

blossom
Thu, 21 Mar 2024 21:00:59 +0000

And to add to Colorado Mom’s post-- do not assume ANYTHING with a LTC policy.

You can have a parent who is significantly compromised and then have claims rejected, because the insurance company will send their OWN person to evaluate and make a determination. They’ve got a rubric-- they’ll decide if the deficits meet their interpretation.

Fortunately I have an acquaintance who runs a home health care agency (not in the state where any of my parents/in-laws lived) who was able to give me some filing tips. The bills you get from a facility may or may not be broken out and itemized in the way your LTC insurer needs to see them in order to pay on a claim. E.g.-- Meds management. If you are paying for someone to show up in a parents room twice a day to administer their meds, it needs to show up on the bill as “Meds Management” with a daily rate. Not a fee that is “rolled into” the overall service package (facilities love a service package). You need an a la carte bill to get reimbursed, not the “all you can eat buffet” at a Vegas casino!