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Paying for care

Paying for care with long-term care insurance

Here at Home Healthcare works with families using long-term care insurance to help pay for in-home care across Missouri. If your loved one has a policy, we can walk through what it covers and handle the paperwork your carrier needs.

Request a complimentary assessment

How it works

From your policy to care at home

01

We look at your policy together

Bring your policy to your complimentary assessment and we will review it with you.

  • Whether the policy covers non-medical in-home care
  • The elimination period, the waiting period before benefits start
  • The daily or monthly benefit amount

02

We put together the documentation your carrier needs

Most claims require signed visit notes and an invoice for the care provided.

  • Daily visit notes signed by you or your representative
  • Invoices for the care Here at Home Healthcare provides
  • Any additional forms your carrier's claim process requires

03

Care begins on our standard billing terms

In most cases, you pay Here at Home Healthcare directly and your carrier reimburses you afterward.

  • Some carriers allow direct assignment instead of reimbursement
  • We will tell you which applies to your policy before care starts
  • Billing follows our standard rates and terms

04

We stay in the loop with your carrier

Documentation goes out on a regular cycle for as long as your carrier requires it.

  • Visit notes and invoices sent on a weekly cycle
  • Carrier questions answered directly
  • Updates if anything about the care plan changes

Networks we belong to

Provider status with two long-term care insurance networks

57insurance companies in the program

illumifin Provider Discount Program

Contracted provider, effective September 2026

Here at Home Healthcare is a contracted provider in the illumifin Provider Discount Program, effective September 2026. The program covers the 57 long-term care insurance companies listed below.

Find your insurance company
CareScout Quality Network badge

CareScout Quality Network

Approved provider, September 2026

Here at Home Healthcare is a CareScout Quality Network provider. The CareScout Quality Network signifies we are a high-quality provider that has met the rigorous quality standards of the CareScout Quality Network.

Insurance companies in the illumifin program

If your loved one's policy is from one of these companies, bring it to your assessment. Don't see yours? Call us anyway; many other policies cover care like ours too.

  • Allianz Life Insurance Company of New York
  • Allianz Life Insurance Company of North America
  • American Family
  • American Fidelity Group
  • American General Life Insurance Company
  • American General Long Term Care Insurance Plan
  • American Health and Life Insurance Company
  • Bankers Conseco Life Insurance Company
  • Bankers Life and Casualty Company
  • Best Meridian Inc.
  • Blue Cross Blue Shield FL
  • Blue Cross and Blue Shield MN
  • CalPERS Long-Term Care Program
  • Central States Health and Life Co of Omaha
  • CNO
  • Colonial Supplemental Insurance
  • Continental Casualty Company
  • Farmers New World Life Insurance
  • FedPoint
  • GILICO
  • GSUAA Long-Term Care Program
  • Guaranty Income Life Insurance Company
  • Jackson National Life Insurance Company
  • John Hancock
  • Knights of Columbus
  • Lafayette Life
  • Life Insurance Company of the Southwest
  • Lincoln Financial Group Long Term Care
  • Madison National Life
  • National Life Insurance Company
  • Nationwide
  • New York Life Insurance and Annuity Corporation
  • New York Life Long-Term Care Insurance
  • North Carolina State Health Long Term Care Plan
  • Pacific Life & Annuity Company
  • Pacific Life Insurance Company
  • Primerica Life Insurance Company
  • Prudential
  • RiverSource Life Insurance Co. of New York
  • RiverSource Life Insurance Company
  • Senior Health Insurance Company of Pennsylvania
  • Southern Farm Bureau Life Insurance Company
  • The Cincinnati Life Insurance Company Life Horizons LTC
  • Thrivent Long-Term Care Insurance
  • Transamerica Financial Life Insurance Company
  • Transamerica Life Insurance Company
  • United Health Care
  • United of Omaha Life Insurance Company Long-Term Care
  • Universal Fidelity Life
  • Unum Connecticut
  • Unum Long-Term Care Plan
  • US Life Long-Term Care Program
  • VLDP Long Term Care Plan
  • VRS
  • VSDP Long Term Care Plan
  • Washington National Insurance Company
  • Wilmington Insurance Company

What we need from you

A little information up front helps us move quickly once you decide to start care.

From your policy

  • Your policy number and the name of your carrier
  • The elimination period, the waiting period before benefits begin
  • The daily or monthly benefit amount

From us

  • Invoices for the care we provide
  • Daily visit notes signed by you or your representative
Read our full guide to paying for care in MissouriSee our full range of in-home care services

Have a policy? Let's talk it through.

Call us directly or request a complimentary assessment. Someone from our team will reach out by phone.

Call 314-708-8716Request an assessment