Many insurance policies offer funding options that can cover the cost of home care services, providing support for individuals who wish to each in or require assistance due to illness or disability. These funding options are typically available through long term care insurance, extended health benefits, or critical illness insurance.
Long Term Care Insurance
This type of policy is specifically designed to cover the cost associated with home care, assisted living, or nursing facilities. Depending on the plan, it may reimburse or directly pay for services like personal care, nursing, homemaking, and respite support. These policies often kick in once the policyholder is assessed as needing help with two or more activities of daily, living, such as bathing, dressing, or eating.
Extended Health Benefits
Some employer-sponsored or individual extended health plans may include home care coverage. This can range from short-term nursing and rehabilitation services to more general support. Coverage amount and duration vary widely between providers and plans so it is essential to review your policy details.
Critical Illness Insurance
If a policyholder is diagnosed with a covered condition such as cancer, stroke, or heart attack, this insurance provides a lump sum payment. These funds can be used flexibly, including to pay for homecare services during recovery or long-term support if the condition results in disability.
How to Access Insurance Funding (Step-by-Step):
Review your policy: Read through your insurance documents or consult your insurance advisor to understand what types of home care services are covered, any exclusions, and how much funding is available.
Get a Medical Assessment: Most insurers require a medical assessment or physician’s report to confirm the need for home care services, especially for long term care claims.
Submit a Claim: Contact your insurance provider to initiate the claims process. You’ll typically need to complete a claims form and submit supporting documentation such as medical assessments, receipts, and care plans.
Coordinate with Your Care Provider: Work with a licensed home care provider who can issue detailed invoices and care documentation that meets your insurance company’s requirements.
Receive Reimbursement or Direct Payment: Depending on your policy, the insurer may reimburse you directly for care expenses or pay the provider on your behalf.
Here are some reasons why TotalCare Concierge would be your best partner for Private Insurance Home Care.
Care Planning – Are You in The Driver’s Seat?
At TotalCare Concierge, you remain in control of your care. From day one, your preferences, lifestyle, and personal goals are placed at the center of your care plan. Whether you want to keep your routines intact or adjust services as your needs evolve, we ensure you’re actively involved in every decision. This client-directed model promotes independence, builds trust, and fosters a partnership that respects your voice and choices.
The Right Staffing Model
The right care experience depends heavily on the right people. TotalCare Concierge emphasizes caregiver-client compatibility, ensuring that each caregiver is not only professionally skilled but also a good personality match for the client. We also prioritize staff consistency so you see familiar faces reducing stress and increasing comfort. We invest heavily in caregiver engagement and satisfaction which reduces turnover and creates a more stable, high quality care providers for your clients.
Maximizing Your Funding
At TotalCare Concierge, we understand how important it is to get the most value out of your available funding. We commit to working with you so you do not have to pay out of pocket for premiums on top of your funding. We help you stretch your funding – getting you more hours and better outcomes. We also offer client status benefits that provides no cost health reviews and extra care hours giving you more support, more time, and more peace of mind.
Meeting Both Your Wants and Needs
Excellent care does not stop at clinical needs, it also includes your personal wants and lifestyle preferences. We take the time to understand what matters most to you and implement that into your care plan. We tailor your care to ensure that it aligns with your personality, habits, and aspirations – not jut a generic checklist.
Exceeding Standards and Legislations
While we are not governed by Continuing Care Health Service Standards (CCHSS), we practice as if we are. At TotalCare Concierge, we go above and beyond wherever we can. For example, your loved ones can expect a report of how your visits went. With our Registered Nurse led team, all visits are reviewed by Registered Nurses to ensure that your needs and wants are sufficiently met and concerns are brought forth timely. We also provide suggestions and resources on how to address those concerns. We stick to ethical practices and do not exploit the law. For example, Alberta Labor Law requires a minimum of 3 hours of pay if an employee is called to work however that minimum is reduced to 2 hours per shift for home care caregivers. Unlike other providers who still require a 3 hour minimum, we work with our clients to see how we can meet the 2 hour minimum while minimizing staff downtime in not having anything to do.
Are You Properly Covered?
We carry a robust insurance package to ensure that you are fully covered when receiving our services. Other than the usual general liability and fidelity insurance, we carry extra coverage to protect not only your health but also your personal and private information.
How About Extras?
At TotalCare Concierge, our service does not end when the scheduled visits end. We offer all our clients extra services at no additional cost! You are assigned a Registered Nurse Care Concierge which will ensure that your health and condition are reviewed regularly. All your visits are reviewed to ensure they continually meet your care needs and wants. We treat you with respect and as a member of our family including remembering and celebrating your birthday! We also have an extensive referral network for whatever you may need. With TotalCare Concierge, you get more than what you pay for. The added services aren’t just perks, they are a testament to our commitment to treating each client like a valued member of our family, not just a number in our accounting books.
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TotalCare Concierge is a Home Care service provider approved to provide homecare through AHS BlueCross CDHCI program, PDD Program, and VIP Program. We service the Calgary area by providing care services to Seniors, Veterans, Persons with Developmental Disabilities, and adults with other disabilities. Services include Personal Care, Overnight, Respite, Medication and Medication Assistance, Companion, Dementia, Palliative, End of Life, Wound, Meal Prep, Meal Planning, Cooking, Cleaning, Laundry, other Housekeeping services, Driving, LPN, RN, Care management and overall concierge service. In yyc, we are known as Total Care, Care Concierge, and TotalCare Concierge. If you are looking for the best home care providing quality home care service, look no further. We even offer free home care as a benefit to our premium and elite status clients!
