Long Term Care for Houston Seniors

Long Term Care

In today’s world, families are worried about how to finance long-term care for a loved one with Alzheimer’s disease or other forms of dementia. Contrary to popular belief, non-medical care needs of elders will not be covered by insurance such as Medicare or Medicaid. For those who prefer to remain at home as they grow older, purchasing a long-term care insurance policy is an excellent method to prepare for long-term care. Prepare by taking the first step and calling our care team now.

A long-term care insurance policy can pay for in-home care provided by home care providers, allowing families to have peace of mind that their elderly loved ones will be able to age in place at home. Long-term care insurance may also cover things like skilled nursing, assisted living, and memory care communities. Long-term care insurance may be hard to understand, as it is beneficial for both families and individuals. Long-term care policies can be difficult to navigate, and it’s critical to fully comprehend the policy benefit amount, duration, and elimination period.

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Keeping You Well at Home

Call (281) 302-6293 or submit the form below for home care today!

Long-Term Care Insurance for Home Care

The majority of insurance plans demand that a policyholder be able to complete at least two Activities of Daily Living (ADLs) or have cognitive impairment in order to receive his or her insurance payout. The following are examples of ADLs:

  • Bathing & showering
  • Ambulation
  • Grooming
  • Feeding
  • Dressing
  • Toileting
Elder Care Services in Brookfield

How to Use Your Policy

When it comes time to put your policy into action, it can be difficult to know what to do. Follow these procedures to ensure you get the advantages for which you paid.

1. Before beginning the claim process, familiarize yourself with your policy’s terms and conditions.

If you do not have a copy of the policy, contact the carrier and request one. It’s usually a good idea to get at least two people to read the plan and seek assistance if you’re stuck on any parts. A qualified legal representative can help you with expert advice and guidance. An insurance agent, financial planner, elder care attorney, or family members might all assist.

2. Before you submit an insurance claim and begin the formal procedure, ask as many questions as you can.

Understanding your insurance’s limitations and exemptions is critical to ensuring that you get paid rather than denied.

3. Choose your care provider with great care.

If you choose a home care company or other care facilities that aren’t aware of how to bill long-term care insurance providers, it’s possible that you won’t be reimbursed. Ask about their expertise and desire to provide you with the paperwork you’ll require to make claims. Providers who do not specialize in this paperwork may desire to assist you, but they may lack the expertise needed to help you efficiently or effectively.

4. Keep track of your policy’s restrictions and payouts.

It’s important to keep an eye on your remaining benefits after you’ve been reimbursed since many plans only have a set number of advantages, and reimbursement might run out before the need is complete. It’s critical to keep track of and evaluate usage with your team of trusted consultants to guarantee that you’re getting the most out of your benefits.

PamCare Home Health & Wellness has years of expertise assisting families in making the most of their long-term care insurance coverage, and we’d be delighted to assist you with your policy so that you receive the coverage you deserve.

Contact us now to learn more about how to use your long-term care insurance policy to pay for in-home care services in Houston, RoadSugar Land, Harris County, and Fort Bend County.

Houston Home Health Care

Three simple steps to senior independence and peace of mind for you


CALL OUR OFFICE AT (281) 302-6293

A professional care manager will be happy to answer your questions.



Our objective is to collaborate to create a personalized care plan that suits your needs.



Enjoy the company of a compatible caregiver and flourish in your own home.

Home Health Care Sugar Land, TX

Free Home Care Assessment

Our team is skilled and certified to meet the demands of our elders' care with an office staff and caregivers that share the empathy and compassion needed to treat them like family. Call us now for a free in-home care consultation so that we may improve your life or the lives of someone you care about.

PamCare Home Health & Wellness provides a complimentary in-home care evaluation:

  • Assessing current care requirements
  • Discussing daily routines and habits
  • Explaining the expense of care
  • Offering a unique care strategy
  • Compiling a list of prescription drugs and health problems
  • Performing a house safety inspection

PamCare Home Health & Wellness

Visit Us

12930 Dairy Ashford Rd #801
Sugar Land, TX 77478

Service Areas

Houston, Sugar Land,
Harris County, Fort Bend County

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