In-Home Care That Accepts Long-Term Care Insurance

Maryland and Washington, DC 

Use Your Long-Term Care Insurance to Pay for In-Home Care

If you or an aging parent paid into a long-term care insurance policy for years, this is what it was for. Most policies cover in-home care for seniors, meaning help at home with bathing, dressing, meals, and supervision, once the policyholder needs help with daily activities. Specialty Care Services, a licensed home care agency in Silver Spring, Maryland, works with these policies every week. We do the nurse assessment the carrier asks for, send the care notes, and bill the insurance company directly, so your family is not fronting the money and chasing reimbursement.

Does Long-Term Care Insurance Pay for Home Care?

For most policies, yes. Home care is usually a covered setting alongside assisted living and nursing homes. Most policies require that care come from a licensed home care agency, which Specialty Care Services is, as a Maryland Residential Service Agency. Benefits typically start when the policyholder needs hands-on or standby help with two or more activities of daily living (ADLs), or has a cognitive impairment such as dementia, and after the policy's elimination period has been met. Every policy is different. We read yours with you.

We Bill the Insurance Company, Not Your Family 

Many agencies make the family pay every invoice and submit for reimbursement on their own. We do it differently. With a signed Assignment of Benefits, Specialty Care Services invoices the carrier directly, sends the visit documentation the carrier requires, and follows up on payment. Your family sees the schedule and the care, not a stack of claim forms.

Carriers and Networks 

Specialty Care Services is a provider in the CareScout network, which serves Genworth and other long-term care policyholders. If your policy is with another carrier, call us. We work with the carrier's claims department directly and will tell you up front what your policy needs.

What Our Registered Nurse Does for the Claim 

• Completes the in-home assessment that documents which activities of daily living (ADLs) need help 
• Writes the plan of care in the form carriers expect 
• Reassesses on a regular schedule so the benefit keeps paying 
• Talks with the carrier's nurse reviewer when the carrier asks questions

The Care Itself: Non-Medical Home Care With Nurse Oversight

Our certified nursing assistants (CNAs) and in-home caregivers help seniors with personal care, meals, light housekeeping, errands, companion care, and memory care support for clients living with dementia or Alzheimer's. We match the same aide to the same client wherever the schedule allows, and a nurse supervises the care. Care coordination and medication management by a registered nurse are available alongside aide care.

The Care Itself: Non-Medical Home Care With Nurse Oversight

Our certified nursing assistants (CNAs) and in-home caregivers help seniors with personal care, meals, light housekeeping, errands, companion care, and memory care support for clients living with dementia or Alzheimer's. We match the same aide to the same client wherever the schedule allows, and a nurse supervises the care. Care coordination and medication management by a registered nurse are available alongside aide care.

Where We Serve

Senior home care in Silver Spring, Bethesda, Rockville, and across Montgomery County, Howard County, Anne Arundel County, Frederick County, Prince George's County, and Washington, DC.

Contact Us

Call us or request a call back. Have the policy handy, and we will walk through it together.