Understanding Long-Term Care Insurance & Payment Options

Horizon Nursing Services is here to help make caregiving accessible for everyone by accepting various forms of payment.

We can also collaborate closely with your long-term care insurance provider to help you maximize your benefits. Additionally, we accept personal checks and credit cards, including Visa, MasterCard, and American Express.

If you have any questions or need assistance, please don’t hesitate to get in touch with us! We’re available 24/7.

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Payment Options We Accept

We accept the following payment methods:

Most long-term care insurance policies
Personal checks
Credit cards including, Visa, MasterCard, & American Express

If you have questions about payment options, please reach out to us.

Additional Services

Horizon Nursing Services is committed to transparency. Here’s what you need to know about our services:

No long-term contract is necessary. We require only a minimum of 4 hours of service per visit without a minimum number of service days each week.

Additional fees are charged for services on recognized holidays, including New Year’s Day, Labor Day, Memorial Day, Thanksgiving Day, July 4th, and Christmas Day.

A mileage fee will be applied to the client’s account if caregivers use their vehicles for client-related activities.

Additional Services

Horizon Nursing Services is committed to transparency. Here’s what you need to know about our services:

No long-term contract is necessary. We require only a minimum of 4 hours of service per visit without a minimum number of service days each week.
Additional fees are charged for services on recognized holidays, including New Year’s Day, Labor Day, Memorial Day, Thanksgiving Day, July 4th, and Christmas Day.
A mileage fee will be applied to the client’s account if caregivers use their vehicles for client-related activities.

How Does Long-Term Care Insurance Work?

Not all long-term care insurance policies are the same, so it’s essential to understand the specifics. When you’re considering a long-term care insurance plan, make sure you and your loved one consider the following details:

Types of care covered: Some policies cover nursing home care, assisted living, or in-home care, while others may only cover specific types.
Premiums: Premiums can increase over time and may vary based on the length of the policy.
Waived premiums: Some policies waive premiums while they are in use.
Daily allowance: Know your daily allowance or the percentage of daily costs your policy covers.
Eligibility requirements: Most policies require the policyholder to need hands-on assistance with 2 or more activities of daily living.

We always recommend reaching out to your insurance provider to learn more about what your plan covers.

Elimination Period

The elimination period is the time the policyholder must pay for their care before the policy starts paying. Longer elimination periods result in lower premiums. You can also choose a policy with no elimination period.

Verification & Assistance

Horizon Nursing Services will assist you in contacting your insurance company to verify your coverage before initiating care. Our goal is to ensure you fully understand what your policy covers and any out-of-pocket expenses you might incur.

Important Considerations

Submission of claims is not a guarantee of payment from your insurance company. If there are unpaid balances for services rendered, you will be responsible for those payments.

Have Questions? We Can Help.

Whether you need comprehensive care or just a companion, understanding your long-term care insurance and payment options is crucial.

Contact us for more information on how we can assist you and your family.

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What Our Clients Are Saying

“Thank you Horizon. For over two years this agency has been 5 star. They have cared for my mom and aunt as if they are family. Professional, kind, devoted. I can’t thank you folks enough.”

Maureen

“Horizon nursing services is my go to company for all my clients needs including friends and family. They are exceptional at what they do. They treat their clients like family. Horizon goes above and beyond with a very high level of service that is not common these days. The staff is exceptional and they truly come from the heart.”