Using long-term care insurance for a private caregiver.
Many long-term care insurance policies will reimburse a family for care from a caregiver they engage through Hallmark. We take care of the provider side — the rest is between you and your carrier, and we can point you to help for it.
Many long-term care policies pay for a private caregiver.
Many policies reimburse
Many long-term care policies reimburse care from a caregiver you engage through Hallmark. Check with your carrier to see what yours will do.
You pay, your carrier reimburses you
You pay the weekly bill, the same as any other family, submit the paid invoices, and your carrier reimburses you under your policy.
We handle the provider side
We complete the provider forms your carrier asks us for, and the paid invoices your carrier needs are produced each week. The claim stays yours.
How a long-term care policy pays for a private caregiver.
Every policy is different, but the path is the same — and one thing never changes: you pay, and your carrier reimburses you.
Check your policy
Find your long-term care insurance policy and its benefits summary, and confirm with your carrier what it covers.
Tell your carrier who your provider is
You let your carrier know that Hallmark is your provider, using the claims or customer-service number on your policy documents.
We complete the provider forms your carrier asks us for
When the carrier sends the forms that put Hallmark on record as your provider, we complete them. That is separate from your claim, which stays yours.
Care starts, and you pay weekly
You choose and engage the caregiver directly, and you are billed weekly through a secure third-party billing platform — the same as any other family.
The paid invoices your carrier needs are produced for you
Each week, the billing platform produces the paid invoice your carrier needs, in the format it asks for.
You submit them, and your carrier reimburses you
You send the invoices to your carrier, and your carrier reimburses you under your policy.
You pay the weekly bill. Your carrier reimburses you.
Your carrier — not Hallmark — decides what it pays.
Four things to check
- The elimination period — the days of care before benefits begin.
- The daily or monthly benefit — the most the policy will pay.
- The benefit triggers — often needing help with a number of everyday activities, or cognitive decline.
- Whether a licensed or certified caregiver is required — a small number of policies ask for one.
Your policy is yours to work
We are not insurance advisors. We do not read or interpret your policy, call your carrier, or answer questions about your coverage for you — that part stays between you and your carrier, and it can take some back-and-forth. You do not have to do it alone, though: if you want a hand understanding your policy, we can point you to resources for help.
Hallmark handles the provider side. The policy stays yours.
Hallmark
- Complete the provider forms and provider information your carrier asks us for.
- Make sure the paid invoices your carrier needs are produced each week through the billing platform.
- Point you to resources if you want help understanding your policy.
You
- Choose and engage the caregiver, and set the schedule.
- Talk with your carrier and understand your own policy.
- Pay the weekly bill, submit the invoices to your carrier, and receive the reimbursement.
- Hold the policy and the claim — we do not file it, and your carrier does not pay us.
Before you call your carrier.
Ask your carrier
- Does my policy cover in-home care from a caregiver I engage directly — and do you require a licensed or certified caregiver?
- What has to happen for benefits to begin — the elimination period, and any assessment, plan of care, or physician certification you require?
- What is my daily or monthly benefit, and what do you need to see on each invoice?
What to have on hand
- Your policy number and your benefits summary.
- The status of any claim you have already started.
- Your carrier's claims or customer-service number, from your policy documents.
Long-term care insurance, answered.
Does my carrier pay Hallmark directly?
No. You pay the weekly bill, and your carrier reimburses you under your policy. Benefits are not assigned to Hallmark, and your carrier does not pay us.
Do you file the claim for me?
No — the claim is yours. What we do is complete the provider forms your carrier asks us for, and make sure the paid invoices your carrier needs are produced each week through the secure third-party billing platform. You submit those to your carrier.
Can you read my policy, or talk to my carrier for me?
No. We are not insurance advisors, so we do not interpret your policy, call your carrier, or answer questions about your coverage for you — that part stays between you and your carrier, and it can take some back-and-forth. You do not have to do it alone, though: if you want a hand understanding your policy, we can point you to resources for help.
Does it matter which carrier my policy is with?
Every policy is different. Many long-term care policies reimburse care from a caregiver you engage through Hallmark — check with your carrier to see what yours will do.
My policy says it requires a licensed caregiver — can you help?
Often, yes. Only a small number of policies require it, but when a policy calls for a licensed nurse — or a provider with a specific certification, such as a CNA (Certified Nursing Assistant) — we can present a caregiver qualified for it. The caregivers we refer work to their own level of competency.
Ready to put your coverage to work?
Call (502) 546-7765 — we take care of the provider side, and we can point you to help for the rest.
Call (502) 546-7765