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Understanding Long-Term Care Insurance

Are you or loved one worried about paying for the costs of senior care. Unfortunately, health insurance, Medicare, or Medicaid will not usually cover the high costs of senior care. Purchasing a long-term care insurance policy is one of the best investments you can make to help prepare for the costs of long term care.

Long term care insurance can be used for homecare, assisted living, skilled nursing, and memory care communities. Policies vary greatly to the benefit amount, benefit period, and the elimination period. Understanding the benefits from your Long-Term Policy can be challenging and frustrating to understand, which is why so many seniors rely on help from an Acti-kare professional to sort out the details and assist with making the claim. We have established relationships with multiple LTC insurance carriers and understand the ins and outs of processing long-term care insurance claims enabling you to access your benefits faster.

Getting Access to your Benefits

The specialists at Acti-Kare responsive senior care will guide you through the process of filing a claim with your insurance carrier. Call Acti-Kare today to schedule a free Long Term Care assessment with one our experts.

Our assessment includes:

  • Scheduling a conference call with you and your carrier to fully understand the requirements of your policy, including any elimination periods, maximum daily dollar amount, lifetime benefits, and coverage limits.
  • Assist clients with all the necessary forms to file a claim correctly to start receiving the benefits as soon as possible.
  • Working out the billing process. Some carriers will let us bill them directly and others reimburse the policy holder.
    Acti-Kare of of Scottsdale, AZ Senior Care & Home Care Services

    ACTi-Kare was a true-life saver for us. The respite facility my 91-year-old mom was in asked us to hire a sitter with no notice. The sitter gave much better care to my mom than the respite care facility and Ricky is a pleasure to work with. Flexible and knowledgeable!

    – Linda Sweeney

    Acti-Kare of of Scottsdale, AZ Senior Care & Home Care Services

    I had the pleasure working for this company for a short time before I moved out of town. The owner Ricky Keller is very caring. He does a meet and greet with every new client and new caregiver for the first visit to ensure the right fit. He makes himself available anytime to staff, clients, as well as their family with any questions and concerns regarding client condition, care, environment, etc. He goes out of his way to keep family updated and notified of any client changes. In my 12 plus years’ experience working for home companies you rarely see the owner themselves get involved and hire and oversee their own care staff. If you are looking for amazing care for yourself or a loved one or a rewarding career as a caregiver, Ricky is the person to call.

    – Trish Erickson

    Acti-Kare of of Scottsdale, AZ Senior Care & Home Care Services

    Acti-Kare came to our house and asked about our needs for someone to take care of our mom. This agency has provided excellent service. We are very happy knowing that professionals are at our house on a weekly basis. Thanks, Acti-Kare!

    – Steven Herold

    Acti-Kare of of Scottsdale, AZ Senior Care & Home Care Services

    “I feel very comfortable referring my clients to Acti-Kare. I know that they will receive the care that they need in a timely and professional manner.”

    – Michele L., Scottsdale, AZ

    They do a great job caring for my mother in her home. The caregivers are very compassionate and caring sensitive to her needs. They do a great job caring for my mother in her home. The caregivers are very compassionate and caring sensitive to her

    – G.W., Scottsdale, AZ

    Acti-Kare of of Scottsdale, AZ Senior Care & Home Care Services

    “Moving so far away was very difficult. I can now sleep at night knowing that my mother is safe .”

    – Scottsdale, AZ