Navigating a long-term care insurance (LTCI) policy can feel overwhelming, especially when you're focused on getting the best care for yourself or a loved one. At BrightStar Care, we’re here to simplify the process and support you every step of the way.
What Does LTCI Typically Cover?
Long-term care insurance helps pay for services that assist with daily living activities due to aging, illness, or disability. Coverage often includes:
- In-home personal care
- Skilled nursing
- Assisted living or nursing home care
- Hospice and respite care
Each policy is different, so it’s important to review what types of care and providers are eligible for reimbursement.
Key Policy Features to Understand
1. Benefit Amounts
Policies usually specify:
- A daily or monthly maximum reimbursement amount
- A lifetime maximum benefit cap
Make sure these amounts align with the actual cost of care in your area.
2. Elimination Period
This is the waiting period before benefits begin—often 30, 60, or 90 days—during which you’ll pay out-of-pocket.
3. Inflation Protection
Some policies include annual increases to your benefit amount to keep pace with rising care costs. This feature is especially valuable for younger policyholders.
4. Eligibility Requirements
Benefits typically begin when you need help with two or more Activities of Daily Living (ADLs)—like bathing, dressing, or eating—or have a cognitive impairment. Your policy will outline how this is assessed.
5. Exclusions
Be aware of what’s not covered, such as:
- Care provided by family members
- Pre-existing conditions
- Services outside the U.S.
How BrightStar Care Supports You
At BrightStar Care, we go beyond providing exceptional care—we also help simplify the LTCI reimbursement process. Our team will:
- Submit invoices directly to your insurance provider
- Provide detailed care notes to support claims
- Work with your LTCI company to ensure timely and accurate reimbursement
This means less paperwork and fewer headaches for you and your family, so you can focus on what matters most: receiving high-quality, compassionate care.
Need Help Understanding Your Policy?
Our care team is here to help you review your LTCI policy and answer any questions. Contact BrightStar Care of Lexington at 859-227-9008 to schedule a free consultation.