Top 5 Things Long Term Care Insurance Holders Should Know About Reimbursement

 If you or a loved one has a Long-Term Care (LTC) insurance policy, you may be sitting on benefits you haven’t even used yet—especially when it comes to in-home care. Many policyholders don’t realize that their plans often do cover non-medical home care services like personal care, meal prep, companionship, mobility assistance, and more.

At Visiting Angels Everett, we work closely with LTC insurance companies every day. Our team helps clients understand their policies, get proper authorizations, and receive reimbursement smoothly—with far less stress.

Here are the Top 5 things every Long-Term Care Insurance holder should know when it comes to in-home care benefits and reimbursement.



1. Many Long-Term Care Insurance Policies Cover In-Home Care

A huge misconception is that LTC policies only cover nursing homes or assisted living.
The reality?
Most plans include in-home support, allowing seniors to stay safe, independent, and comfortable in the place they love most—home.

Covered in-home services may include:

  • Personal care assistance (bathing, dressing, hygiene)

  • Mobility help and fall prevention

  • Meal preparation and light housekeeping

  • Transportation and errands

  • Medication reminders

  • Companionship and safety monitoring

If you’re unsure what your policy covers, don’t worry. Our team can review your policy details and explain your benefits in plain language.

2. You Need Prior Authorization Before Services Can Begin

Many LTC insurance companies require pre-approval or authorization before you start receiving care.
This step is crucial—without it, reimbursement can be delayed.

Visiting Angels Everett helps clients:

  • Collect and submit required documentation

  • Coordinate assessments

  • Provide company-specific forms

  • Communicate directly with your insurance provider

Our goal is to streamline authorization so you can begin receiving the care you need right away.

3. Keep Your Care Notes and Invoices — They Matter for Reimbursement

Insurance companies often require:

  • Weekly or monthly invoices

  • Accurate timesheets

  • Caregiver notes or “proof of care”

  • Signed visit records

Visiting Angels Everett already provides all of this documentation automatically, formatted exactly the way insurance companies prefer. This makes reimbursement much smoother, faster, and more predictable for families.

4. You Don’t Have to File Claims Alone — We Help You Navigate the Process

Filing claims with an LTC insurance company can feel overwhelming—especially if you’re dealing with multiple phone calls, long hold times, or confusing paperwork.

That’s where we come in.

We regularly assist clients with:

  • Understanding their policy requirements

  • Gathering required paperwork

  • Submitting claims correctly

  • Following up on delayed payments

  • Resolving discrepancies

Because we work with major LTC insurance carriers all the time, we know exactly what they need—and how to avoid common pitfalls.

5. Reimbursement Timelines Vary, So Start Early

Each insurance company processes claims at its own speed. While some reimburse within weeks, others may take longer.

To avoid delays:

  • Start the authorization process early

  • Turn in complete documentation

  • Submit claims regularly

  • Keep copies of everything

Visiting Angels Everett helps families stay organized and on track so reimbursement comes as quickly as possible.

Final Thoughts: You Don’t Have to Figure It Out Alone

Long-Term Care Insurance should make life easier—not harder. And with the right support, navigating your benefits can be smooth and stress-free.

At Visiting Angels Everett, we proudly partner with LTC insurance holders to:

  • Understand their policy benefits

  • Get required authorizations

  • Receive consistent reimbursement

  • Access high-quality, compassionate in-home care

If you’re unsure whether your LTC insurance covers in-home care—or if you need help with authorizations or claims—we’re here to guide you step-by-step.

👉 Contact Visiting Angels Everett today to learn more about how we can help you make the most of your Long-Term Care Insurance benefits.

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