It is becoming more common for seniors to want to continue living at home as they age. For many seniors, home is a familiar place where they can find peace and comfort. For older adults who are dealing with new challenges – illness, mobility problems, injury or the loss of a loved one – the reassurance of home can make a big difference.

The cost of in-home senior care can be difficult for some families. However, your family should not feel as though you need to choose between quality and affordable home care.

If you’re looking into hiring a professional home care agency in Richmond VA like Visiting Angels, determine if your loved one’s long-term care insurance policy can help cover the cost

What is Long-Term Care Insurance?

Most people associate this type of insurance with care provided in nursing homes. However, it covers so much more than the care provided in nursing homes or assisted living facilities.

Long-term care insurance also covers professional in-home caregivers for individuals with acute illnesses, long-term health conditions, permanent disability or terminal illnesses.

Using Long-Term Care Insurance for Home Care Services

At Visiting Angels Richmond VA, our home care services can be funded through private pay, such as personal income or savings, and long-term care insurance. Long-Term Care is a specific type of insurance policy that is often taken out by middle-aged adults in preparation of future care needs.

Every Long-Term Care Insurance policy is different.  Depending on the policy your loved one decided on it may or may not require a waiting period before getting reimbursed. 

Getting Started with In-Home Care from Visiting Angels Richmond VA

Older adults who need assistance with the tasks of daily living benefit from long-term senior care. For the most part, this refers to seniors who need help with things like bathing, dressing, toileting and feeding.

Medicare and Medicaid plans typically do not cover unskilled home care services, like those provided by Visiting Angels Richmond VA. Long-Term Care Insurance reimburses for these services while ensuring your loved one is getting the level of care they need.

At Visiting Angels Richmond VA, we have been serving seniors in Richmond VA for over 15 years. We are an approved service provider by all Long-Term Care insurance carriers.

If you’re interested in learning more about using a long-term care policy to finance in-home care services from Visiting Angels, please call our Midlothian, VA office at 804-423-6500 today!