LTC HOME
CONSIDERATIONS
FUNDING THE COVERAGE
WHAT IS LTC?
WHO NEEDS LTC?
MEDICADE/MEDICARE?

LTC SUMMARY

LIMITATIONS AND EXCLUSIONS

UNDERSTANDING LTC
AVAILABLE SERVICES

PAYING FOR SERVICES

TYPES OF FACILITIES
UNDERSTANDING SOCIAL SECURITY
COMPARE POLICIES WORK SHEET
QUOTE QUESTIONNAIRE

TYPES
OF
FACILITIES

“How do I find and choose the Best Quality Services and Facilities?”   Here are some tips for choosing the kinds of long-term care people most often use:  home care (including home health care) and nursing homes.

Home Care 

In many states, home care agencies must be licensed.  Check with your State health department to see if your State requires it.  If so, be wary if an agency is not licensed.

◘ Ask if the agency is certified by Medicare.  Medicare inspects home health care agencies to assure they meet certain Federal health and safety requirements.  Medicare will pay for services only if the agency is Medicare-approved and if the services are covered by Medicare.

◘ If the home health care agency is certified by Medicare, you can review its survey report.  Call the Medicare Hotline at 1-800-638-6833  and ask to be referred to the Home Health Hotline for your State.  You can request a copy of the report from that hotline.

◘ Find out if the agency has been accredited (awarded a “seal of approval”) by a group such as the Joint Commission on Accreditation of Healthcare Organizations (630-792-5800); (http://www.jcaho.org)  or the Community Health Accreditation Program (1-800-669-9656; (http://www.chapinc.org).

◘ Contact your State or local consumer affairs office to see if any complaints have been filed against a home care agency.  Also ask about the outcome of any complaint investigations. 

◘ Whether you work with an agency or hire someone yourself, carefully check the backgrounds of the people who will be coming into your home.  Ask for references who have worked with the agency or person.  Call them, and ask about their experiences.  Would they use the agency or person again?

◘ Does the home care worker have the necessary skills and training for your needs?  Ask to see training certificates.  Make sure the worker knows how to safely assist and care for patients.

◘ Does the agency have supervisors who check on the quality of care its workers provide?

◘ How does the agency follow up on and resolve complaints?

 CLICK TO ALSO SEE:     ◘ Nursing Home Care

              

46 Years Experience
U.S. Licensed Agent/Broker