Insurance

Insurance for In-Home Care and Non-Medical Transportation

Insurance Coverage for Home Care Services

We acknowledge the significance of providing care that is both affordable and accessible to everyone. That’s why we work with a variety of insurance providers and programs to ensure you or your loved one can receive the in-home care services and non-emergency medical transportation needed without financial burden. Whether you have long-term care insurance, veterans benefits, or other coverage options, our team is here to guide you through the process and maximize your benefits.

Accepted Insurance Plans

We accept long-term care insurance benefits from all major carriers, including but not limited to:

LifeCare Assurance Company
Bankers Life & Casualty
Global Atlantic
LifeSecure
Lincoln Financial – MoneyGuard
Mutual of Omaha
National Guardian Life (NGL)
Nationwide Life Insurance Company
New York Life

Northwestern Mutual
OneAmerica
Securian Financial
Thrivent Financial
Calpers
Unum
John Hancock
Aetna
TransAmerica

If your insurance provider is not listed, please contact us. Our team is happy to verify your benefits and assist you in understanding your coverage options.

Veterans Affairs

We Can Work with VA Programs

For our honored veterans, we collaborate with various VA programs to ensure they receive the care they deserve. These programs provide essential assistance to veterans in need of home-based services, supporting both their health and independence.

Homemaker and Home Health Aide Program

This VA-sponsored program offers personal care services for veterans who require assistance with activities of daily living, such as bathing, dressing, and meal preparation. Services are provided by organizations within the VA’s Community Care Network, ensuring high-quality and reliable support.

Home-Based Primary Care

Veterans with complex health care needs can benefit from this program, which delivers primary care services directly to their homes. A dedicated care team, including doctors, nurses, and therapists, works closely with veterans to manage chronic conditions and ensure comprehensive medical attention in the comfort of their own homes.

Caregiver Support Program

Recognizing the vital role caregivers play in veterans' lives, this program provides resources, education, and emotional support to those caring for a veteran. It includes access to a support line, connections to local services, and potential financial assistance for eligible caregivers.

Our team is here to help you navigate these programs and determine eligibility. If you or your loved one is a veteran in need of in-home care or transportation services, reach out to us today and we’ll work with the VA to ensure you receive the benefits you’ve earned.

How We Help with Insurance Claims

Navigating insurance claims can be overwhelming, but you don’t have to do it alone. Our experienced care coordinators assist with:

Verifying coverage and eligibility for home care services
Submitting claims and required documentation to your insurance provider
Providing ongoing support to ensure seamless reimbursement for services

We are committed to making the process as stress-free as possible so that you can focus on what matters most—your loved one’s well-being.

Private Pay and Other Payment Options

For those without insurance coverage, we offer flexible private pay options to accommodate different financial situations. We strive to make our services as accessible as possible and can work with you to develop a care plan that fits within your budget.

Additionally, some Medicare Advantage plans, Medicaid programs, and employee benefits packages may provide home care assistance. If you are unsure whether your plan covers home care services, our team is happy to help verify your benefits.

Let’s Start Your In-Home Care Journey Together

Finding the right care is an important decision, and Caring Folks is here to help. Our compassionate caregivers are dedicated to providing personalized, high-quality home care and non-emergency medical transportation that ensures comfort, dignity, and peace of mind. Whether you need companionship, personal care, or specialized support and transportation, we’re ready to assist.

Explore our services and find the perfect care solution today!