How Long-Term Care Insurance Can Cover Home Care Services in North Carolina
As our loved ones age, ensuring they receive high-quality care becomes essential. For families in Brunswick and New Hanover Counties, Bald Head Island, and the Triad & Triangle areas, paying for long-term care can feel overwhelming. Fortunately, long-term care insurance (LTCI) helps cover the cost of in-home care services, allowing loved ones to remain comfortable and supported in their own homes.
At We Help at Home, we specialize in compassionate care, offering in-home aides, companion care, respite care, and Nursing Services including RN case management. Below, we explain how LTCI works and how it can support your family’s needs across coastal North Carolina and beyond.
What Is Long-Term Care Insurance (LTCI)?
LTCI is designed to cover the cost of long-term care, which is often excluded from regular health insurance or Medicare. It applies to a variety of services, including:
● In-home care: Assistance with daily activities and personal care.
● Companion care: Providing social interaction and help with errands.
● Respite care: Temporary relief for family caregivers.
● Nursing Services- Medication management, wound care, PEG/Ostomy care. ● RN case management: Professional medical oversight and care coordination.
For families across Brunswick and New Hanover Counties, Bald Head Island, and the Triad & Triangle areas, LTCI offers peace of mind by making essential home care more affordable.
How LTCI Covers Home Care Services
Long-term care insurance can help families access necessary services they need without financial stress. Here’s how the process works:
1. Eligibility Requirements
Most LTCI policies activate when the insured person is unable to perform two or more activities of daily living (ADLs), such as bathing, dressing, or walking. A physician’s certification may also be required to confirm eligibility.
2. Covered Services
Many LTCI plans cover:
● In-home aides to assist with personal care.
● Nursing Services to manage medications or provide skilled needs
● RN case management for medical oversight and care coordination. ● Companion care for social engagement and emotional support.
● Respite care to give family caregivers a needed break.
3. Navigating the Claims Process
We Help at Home can assist families in Brunswick and New Hanover Counties, Bald Head Island, and the Triangle & Triad area with filing LTCI claims. Our team works closely with insurance providers to ensure all necessary documentation submitted, maximizing your policy benefits.
Benefits of Using LTCI for Home Care
1. Aging in Place: Seniors can remain in the comfort of their own homes. 2. Personalized Care: Our services are tailored to meet each individual’s unique needs. 3. Cost Savings: LTCI helps reduce out-of-pocket expenses for families. 4. Professional Support: RN case management ensures medical needs are closely monitored and clients have an advocate to navigate the medical system.
Why Choose We Help at Home?
We Help at Home is a NC licensed home care agency serving Brunswick & New Hanover Counties, Bald Head Island, and the Triad & Triangle areas. Our experienced team offers a full range of services, including:
● In-home aides for assistance with daily living activities.
● Companion care for emotional support and help with tasks.
● Respite care to support family caregivers.
● Nursing Services- private nurses provide medical needs
● RN case management for expert medical oversight.
We partner with families ensuring that every client receives high-quality Concierge home care services by maximizing their LTCI benefits, private pay funds, or other community resources available.
Get Started with We Help at Home
If you’re wondering whether your LTCI policy covers home care, we’re here to help! Our team can review your policy and guide you through the claims process, making sure you get the care you deserve.
�� Call us at 910-253-1111 to schedule a free care consultation today.
Serving Families Across North Carolina
We proudly provide home care services in:
● Brunswick & New Hanover Counties
● Bald Head Island
● Triad & Triangle Areas
Let us help your family find comfort and care at home. Contact us today to learn more about how your LTCI policy can cover your home care needs and How We Can Help YOU at Home!