Caregiver and client smiling together in a bright, sunlit home

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

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

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

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

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

Here at Home Healthcare holds provider status with the following long-term care insurance networks.

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, which spans roughly 55 long-term care insurance carriers.

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.

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 Missouri See 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 314-708-8716 Request an assessment