For many seniors, aging at home and maintaining their independence is preferred over moving into a nursing home. Often, it’s the little things like meal preparation, transportation to doctor appointments, and help around the house that are needed most to make living at home possible. Additionally, caregivers can provide help with getting dressed, personal hygiene and companionship where more intense supervision and assistance is required.
What Does Insurance Pay For?
Unfortunately, Medicare and regular health insurance do not cover long term in home senior care services. Private Long Term Care Insurance, or LTC, covers most of the costs associated with caring for seniors as they age and need assistance with their daily routine. Medicaid Managed Care Plans also cover many of these services.
Insurance Options
Long Term Care
Medicare
Not Covered
Health Insurance
Not Covered
Private LTC Insurance
Covered
Some of the private LTC plans we accept include:
Long Term Care
Bankers Life and Casualty
CNA Insurance
Conceco
Genworth
Hartford Long Term Care
John Hancock
Kanawha
Lincoln Benefit Life
Life Insurance Company of North America
Metlife Insurance Co.
Metlife Long Term Care
Mutual of Omaha
New York Life
National States
Transamerica Insurance
United Security Assurance
Unum Provident
Medicaid Managed Care Plans (LTC)
Aetna Better Health of Florida (Miami-Dade, Orlando)
Florida Community Care (Miami-Dade, Broward)
Humana (Miami-Dade, Broward, Palm Beach, Orlando)
Molina Health Care of Florida (Miami-Dade)
Simply (Miami-Dade, Broward)
Sunshine/WellCare Health Plans (Miami-Dade, Broward, Palm Beach, Orlando)
United Health Care (Miami-Dade)
WellCare (Orlando)
How About Private Pay?
Many of our clients choose to pay privately for the services their aging parents need most to live in their home and maintain their independence. Caring Home Care can customize and bundle a services mix that’s right for your family and budget. Below are two example packages:
Light Daily
Meal Prep
Light Housekeeping
Shopping
Companion Care
From $84/day $21/hr – 4hr
Full Daily
All of Light Daily Plus
Bathing & Dressing
Bathroom Assistance
Doctor Appointments
Medication Reminders
From $138/day $23/hr – 6hr
Get a Personalized Quote
Caring Home Care has four locations in Florida and specializes in referring caregivers who come to your home.