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Reply to "Long term care insurance"
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[quote=Anonymous][quote=Anonymous]We were really surprised to find out that no particular nursing home is obligated to accept your LTC insurance. We were fortunate that when we suddenly needed to find a facility for our mom there was one available that took her insurance. If you think you might want to end up at a particular place some day make sure they take whatever your insurance is. Of course that could change. [/quote] In my mom's facility it's not like "regular" medical insurance where the company directly pays the provider. It goes through the patient (or in our case, me, since I do the paperwork for my mom). I submit the claim form to the insurance company every month, and all the facility does is verify my mom is there. Then the company pays my mom and she writes a check to the facility. The facility did not care who the insurance provider was, all they cared about was that they got paid.[/quote]
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