When your loved one needs home care in New York City, navigating long-term care insurance can feel overwhelming. You’re already dealing with health concerns, family logistics, and care decisions—the last thing you need is insurance confusion adding to your stress. Whether you’re in Manhattan, Brooklyn, Queens, the Bronx, or Westchester County, understanding how your insurance policy works with home healthcare services is crucial for making informed decisions about elderly care.

As NYC’s first Department of Health-licensed home care agency since 1983, Prime Care, Inc. has helped thousands of families successfully use their long-term care insurance benefits for quality home care services. This comprehensive guide will walk you through everything you need to know about using your insurance coverage for home care in the New York metropolitan area, including neighboring areas like New Jersey and Connecticut.

The Foundation of Home Healthcare Coverage

Long-term care insurance represents a specialized insurance policy designed to cover services that help people with chronic illnesses, disabilities, or age-related conditions maintain their independence and quality of life. Unlike traditional health insurance, Medicare, or Medicare Advantage plans, long-term care insurance specifically addresses extended care services—including the personalized home care that allows seniors to age safely in their own homes rather than moving to a nursing home or assisted living facility.

For families throughout New York, New Jersey, and Connecticut, this coverage can be the difference between keeping a loved one at home versus considering institutional care. The financial protection offered by these insurance plans becomes especially important when considering that the average cost of nursing home care in New York exceeds $150,000 annually, while home care services often provide a more affordable and preferred alternative.

What Long-Term Care Insurance Covers

A comprehensive long-term care insurance policy typically covers a wide range of services that support activities of daily living and healthcare needs:

Home Health Services:

• Home health aide assistance with personal care
• Skilled nursing visits from registered nurses and nurse practitioners
• Physical therapy sessions in the home environment
• Occupational therapy to maintain independence
• Speech therapy for communication and swallowing disorders
• Medical equipment and supplies like wheelchairs and hospital beds

Personal Care Services:

• Assistance with bathing, dressing, and grooming
• Meal preparation and nutrition support
• Medication management and reminders
• Light housekeeping and laundry
• Transportation to medical appointments
• Companionship and social interaction

Specialized Care Programs:

• Dementia and Alzheimer’s care with trained caregivers
• Respite care for family caregivers needing breaks
• Post-hospital transition support
• Chronic condition management including heart failure care
• End-of-life comfort care and support

How Long-Term Care Insurance Differs from Other Healthcare Coverage

Understanding the distinction between long-term care insurance and other types of coverage is essential for families navigating the healthcare system in New York and surrounding states.

Medicare vs. Long-Term Care Insurance

Medicare, the federal health insurance program for Americans 65 and older, provides limited coverage for home healthcare services. Medicare home health coverage requires that services be medically necessary, ordered by a physician, and provided by a Medicare-certified agency. However, Medicare typically covers only skilled nursing care and therapy services for a limited time period, not the custodial care that most seniors need for activities of daily living.

Medicare Advantage plans, offered by private insurance companies as an alternative to traditional Medicare, may provide some additional benefits but still have significant limitations for long-term home care needs. Medicare Part A covers some nursing home care but only for short-term rehabilitation stays, not long-term custodial care.

Medicaid and Long-Term Care

Medicaid, the joint federal and state program that provides health coverage for people with limited income and assets, does cover long-term care services including home care. However, Medicaid eligibility requires meeting strict income and asset limits, which often means spending down wealth and savings before qualifying for coverage. In New York, the Medicaid program includes various waiver programs that can help seniors receive care at home rather than in nursing homes.

Private Health Insurance Limitations

Most private health insurance plans and employer-sponsored coverage provide minimal benefits for long-term care services. These policies typically focus on acute medical care rather than the ongoing support needed for chronic conditions and aging-related needs.

The Economics of Long-Term Care in New York

The cost of long-term care varies significantly across different settings and geographic areas. In New York, families face some of the highest care costs in the nation, making insurance coverage particularly valuable.

Nursing Home Costs in New York

According to recent data, the average annual cost of nursing home care in New York exceeds $150,000, with facilities in Manhattan and other high-cost areas charging significantly more. These expenses can quickly deplete retirement savings and other assets, leaving families in financial distress.

Home Care Cost Advantages

Home care services typically cost significantly less than nursing home care while allowing seniors to remain in familiar surroundings. The hourly rate for home health aides in New York ranges from $25 to $40 per hour, depending on the level of care required and the specific location within the metropolitan area.

For families requiring live-in care, the daily cost typically ranges from $300 to $450, which remains more affordable than nursing home care while providing one-on-one attention and personalized service.

The Role of Financial Planning

Working with a financial adviser who understands long-term care costs and insurance options becomes crucial for families planning for aging needs. Many financial advisors recommend purchasing long-term care insurance while individuals are still healthy and employed, as premiums increase significantly with age and health conditions.

Qualifying for Long-Term Care Insurance Benefits

Most long-term care insurance policies require policyholders to meet specific criteria before benefits begin. Understanding these requirements helps families prepare for the claims process and ensures they receive the coverage they’ve paid for through their insurance premiums.

Benefit Triggers and Medical Necessity

Insurance companies typically require that a patient meet one or more “benefit triggers” before coverage begins:

Activities of Daily Living (ADL) Deficits: The policyholder must need assistance with at least two or three activities of daily living, such as:

• Bathing and personal hygiene maintenance
• Dressing and grooming tasks
• Eating and nutrition management
• Mobility, transfers, and walking assistance
• Toileting and continence management
• Medication administration and management

Cognitive Impairment: Conditions like Alzheimer’s disease, dementia, or other cognitive disorders that require supervision for safety and daily functioning.

Medical Necessity Certification: A licensed healthcare provider, such as a physician or nurse practitioner, must certify that long-term care services are medically necessary for the patient’s health and safety.

The Assessment Process

Before benefits begin, most insurance companies require a comprehensive assessment by a licensed healthcare professional. This evaluation typically includes:

Functional Assessment: Determining the individual’s ability to perform activities of daily living independently and safely.

Cognitive Evaluation: Assessing memory, judgment, and decision-making capabilities, particularly important for dementia care planning.

Safety Evaluation: Reviewing the home environment and identifying potential risks or needed modifications.

Care Plan Development: Creating a detailed plan that outlines the type, frequency, and duration of services needed.

At Prime Care, our experienced nursing staff, including our Director of Nursing who is a nurse practitioner, conducts these evaluations at no charge to families. We work directly with insurance providers to document care needs and develop appropriate care plans that meet both medical requirements and insurance policy guidelines.

Types of Home Care Services Covered by Long-Term Care Insurance

Long-term care insurance policies vary in their coverage, but most comprehensive plans cover a wide range of home healthcare services that enable seniors to age safely in their own homes.

Non-Medical Home Care Services

Home Health Aide Services: Trained aides provide assistance with personal care tasks, including bathing, dressing, grooming, and mobility support. These caregivers also help with light housekeeping, meal preparation, and medication reminders.

Personal Care Aide Support: Personal care aides focus specifically on activities of daily living and provide companionship and emotional support. They may assist with shopping, errands, and transportation to appointments.

Companion Care: This service emphasizes social interaction, mental stimulation, and emotional support. Companions may engage seniors in activities, provide conversation, and offer reassurance to both seniors and their families.

Live-in Care: For seniors requiring continuous supervision, live-in caregivers provide around-the-clock support while allowing the individual to remain in their own home. This option often costs less than nursing home care while providing personalized attention.

Medical Home Care Services

Skilled Nursing Care: Registered nurses and licensed practical nurses provide medical care in the home, including wound care, medication management, health monitoring, and coordination with physicians and other healthcare providers.

Physical Therapy: Licensed physical therapists help seniors maintain or improve mobility, strength, and balance through targeted exercises and treatments designed to prevent falls and maintain independence.

Occupational Therapy: Occupational therapists focus on helping seniors perform daily activities safely and efficiently, often recommending adaptive equipment or home modifications to support independence.

Speech Therapy: Speech-language pathologists address communication difficulties and swallowing disorders that may result from stroke, neurological conditions, or other health issues.

Specialized Care Programs

Alzheimer’s and Dementia Care: Caregivers trained in memory care techniques provide specialized support for individuals with cognitive impairment, focusing on safety, routine, and meaningful engagement.

Post-Hospital Care: Transitional care services help seniors safely return home after hospital stays, coordinating with discharge planners and ensuring continuity of care.

Chronic Disease Management: Specialized support for conditions like heart failure, diabetes, chronic obstructive pulmonary disease, and other ongoing health conditions that require careful monitoring and management.

Respite Care: Temporary care services that give family caregivers breaks from their caregiving responsibilities, helping prevent caregiver burnout and maintaining family relationships.

Understanding Your Insurance Policy: Key Terms and Coverage Details

Successfully using long-term care insurance requires understanding the specific terms and limitations of your insurance policy. Each insurance company structures their policies differently, and knowing these details helps families maximize their benefits.

Benefit Amounts and Payment Structures

Daily Benefit Amount: Most policies specify a maximum daily benefit amount, typically ranging from $100 to $500 per day. In high-cost areas like New York City, it’s important to ensure your daily benefit amount adequately covers the cost of needed services.

Monthly Benefit Pool: Some insurance policies provide monthly benefit maximums instead of daily limits, offering more flexibility in how benefits are used throughout the month.

Lifetime Maximum Benefits: Policies may specify a total lifetime benefit amount, such as $300,000 or $500,000, which represents the maximum the insurance company will pay over the life of the policy.

Inflation Protection: This important feature increases benefit amounts over time to keep pace with rising care costs. Given the historical trend of increasing healthcare costs, inflation protection can significantly impact the long-term value of your coverage.

Elimination Periods and Waiting Periods

Most long-term care insurance policies include an elimination period, also called a waiting period, during which the policyholder must pay for care services before insurance benefits begin. Common elimination periods include:

• 30-day elimination period
• 60-day elimination period
• 90-day elimination period
• 180-day elimination period

During the elimination period, families typically pay privately for Prime Care services. Understanding this period helps families budget for initial care costs and plan for the transition to insurance coverage.

Coverage Limitations and Exclusions

Pre-existing Conditions: Some policies exclude coverage for conditions that existed before the policy was purchased, typically for a specified period after the policy becomes effective.

Family Member Care: Most policies do not cover care provided by family members, though some may allow payment to family caregivers under specific circumstances.

Geographic Limitations: Policies may restrict coverage to certain geographic areas or require care from providers within specific networks.

Service Type Restrictions: Some policies may limit coverage to certain types of care or exclude specific services from coverage.

The Claims Process: Step-by-Step Guide to Accessing Benefits

Successfully accessing long-term care insurance benefits requires understanding and following the claims process established by your insurance company. Prime Care’s experienced team guides families through each step to ensure smooth benefit activation.

Step 1: Initial Claim Filing

Contact your insurance company as soon as you recognize the need for long-term care services. You’ll typically need:

• Insurance policy number and contact information
• Recent medical records documenting the need for care
• Physician’s statement or referral for home care services
• Completed claim forms provided by the insurance company
• Assessment documentation from qualified healthcare professionals

Step 2: Professional Assessment and Evaluation

Your insurance company will arrange for an assessment to determine benefit eligibility. This evaluation may be conducted by:

• A registered nurse employed by the insurance company
• An independent assessment company contracted by the insurer
• A care management organization
• In some cases, documentation from your own healthcare providers may suffice

Prime Care coordinates with assessment professionals and provides supporting documentation from our initial nursing evaluation to ensure accurate representation of care needs.

Step 3: Care Plan Development and Approval

Based on the assessment results, a formal care plan is developed that specifies:

• Types of services covered under the policy
• Frequency and duration of approved care
• Specific providers authorized to deliver services
• Review schedule for ongoing benefit evaluation
• Any limitations or restrictions on covered services

Step 4: Service Authorization and Provider Approval

Once the care plan is approved, you’ll receive authorization documentation detailing:

• Covered services and approved hours of care
• Benefit start date and duration
• Approved provider requirements and qualifications
• Claim submission procedures and deadlines
• Contact information for ongoing benefit management

Prime Care works with all major long-term care insurance companies and maintains the necessary provider agreements to deliver authorized services seamlessly.

Step 5: Ongoing Claims Management and Documentation

Successful long-term care insurance claims require ongoing documentation and communication. Prime Care handles most aspects of claims management, including:

• Monthly service documentation and progress reports
• Regular communication with insurance case managers
• Benefit utilization tracking and reporting
• Care plan updates based on changing needs
• Coordination with healthcare providers and family members

Working Effectively with Insurance Companies and Case Managers

Building positive relationships with your insurance company’s care coordinators and case managers significantly impacts your success in accessing and maintaining benefits. Prime Care’s experienced team has established relationships with major insurers and understands how to work effectively within their systems.

Understanding the Insurance Company Perspective

Insurance companies have a responsibility to their policyholders to manage costs while providing appropriate benefits. Understanding their perspective helps families work more effectively with insurers:

Medical Necessity: Insurance companies require clear documentation that services are medically necessary rather than simply convenient or preferred.

Cost Effectiveness: Insurers often prefer home care over more expensive nursing home care, making them generally supportive of appropriate home care services.

Quality Assurance: Insurance companies want to ensure that covered services are provided by qualified, reputable providers who deliver quality care.

Fraud Prevention: Insurers maintain systems to prevent fraud and abuse, which may result in additional documentation requirements or periodic reviews.

Best Practices for Insurance Communication

Prompt Response: Respond quickly to insurance company requests for information or documentation to avoid delays in benefit processing.

Accurate Documentation: Provide complete and accurate information about care needs, services provided, and any changes in condition.

Professional Communication: Maintain professional, respectful communication with insurance representatives, even when facing challenges or disagreements.

Organized Records: Keep detailed records of all communications, authorizations, and benefit payments for reference and potential appeals.

Common Approval Challenges and Solutions

Increased Service Hours: When care needs change and additional hours are required, insurance companies may request updated assessments and medical documentation justifying the increase.

Specialized Services: Services like dementia care or skilled nursing may require specific medical justification and documentation of caregiver qualifications.

Equipment and Supplies: Medical equipment like wheelchairs, hospital beds, or other adaptive equipment may require pre-authorization and physician orders.

Geographic Coverage: Families moving between states or requiring care in multiple locations may face coverage challenges that require advance planning and communication.

New York-Specific Considerations for Long-Term Care Insurance

The unique characteristics of New York’s healthcare system, regulations, and demographics create specific considerations for families using long-term care insurance in the region.

State Regulations and Consumer Protections

New York State has implemented various consumer protections for long-term care insurance purchasers:

Partnership Program: New York participates in the Long-Term Care Partnership Program, which allows individuals who purchase qualifying long-term care insurance policies to protect assets if they later need to apply for Medicaid coverage.

Rate Stability: The state has regulations governing premium increases for long-term care insurance, providing some protection against dramatic rate hikes.

Benefit Standards: New York requires certain minimum benefits and consumer protections in long-term care insurance policies sold in the state.

Geographic and Demographic Factors

High Cost of Living: New York’s high cost of living affects all aspects of long-term care, making adequate insurance coverage particularly important for maintaining quality care options.

Population Density: The dense urban environment of New York City creates unique challenges for home care delivery, including parking, building access, and transportation considerations.

Cultural Diversity: New York’s diverse population requires culturally competent care providers who can communicate effectively with families from various ethnic and linguistic backgrounds.

Family Structure: Many New York families include adult children who live in different boroughs or states, requiring care coordination across geographic distances.

Healthcare System Integration

Hospital Systems: New York’s complex hospital system includes numerous academic medical centers, community hospitals, and specialty facilities that may have different discharge planning processes and insurance relationships.

Physician Networks: Understanding which physicians and specialists accept your insurance and work with your chosen home care provider becomes important for coordinated care.

Emergency Services: The availability of 24/7 emergency services and the integration between emergency departments and home care providers affects the safety and feasibility of aging in place.

Alternative and Supplementary Funding Sources

Even comprehensive long-term care insurance may not cover all care needs or costs. Understanding alternative funding sources helps families develop comprehensive financial strategies for long-term care.

Medicare and Medicare Advantage Considerations

While Medicare provides limited coverage for home healthcare services, understanding what is covered can help supplement long-term care insurance benefits:

Medicare Home Health Coverage: Medicare covers skilled nursing care, physical therapy, occupational therapy, and speech therapy when ordered by a physician and provided by a Medicare-certified agency.

Medicare Advantage Plans: Some Medicare Advantage plans offer additional benefits beyond traditional Medicare, including limited coverage for custodial care or transportation services.

Medigap Insurance: Medicare supplement insurance policies may cover some costs not covered by Medicare, though they typically don’t cover long-term custodial care.

Medicaid and State Programs

Medicaid Long-Term Care: For individuals who meet income and asset requirements, Medicaid provides comprehensive coverage for long-term care services, including home care.

Medicaid Waiver Programs: New York offers various Medicaid waiver programs that allow seniors to receive care at home rather than in nursing homes, often with less restrictive eligibility requirements.

State and Local Programs: Various state and local programs provide support services for seniors, including meal delivery, transportation, and respite care.

Veterans Benefits

Aid and Attendance: Veterans and surviving spouses may qualify for Aid and Attendance benefits that can help pay for home care services.

TRICARE: Military retirees may have access to TRICARE benefits that provide some coverage for long-term care services.

Life Insurance and Annuity Options

Life Insurance Riders: Some life insurance policies include long-term care riders that allow policyholders to access death benefits for long-term care expenses.

Annuity Products: Certain annuity products include long-term care benefits that can supplement insurance coverage.

Hybrid Products: Some insurance companies offer hybrid life insurance and long-term care policies that provide benefits for either purpose.

Personal Financial Resources

Health Savings Accounts: Funds in health savings accounts can be used to pay for qualified long-term care expenses without tax penalties.

Retirement Accounts: 401(k) and IRA distributions can fund long-term care expenses, though tax implications should be considered.

Home Equity: Reverse mortgages or home equity loans can provide funds for long-term care while allowing seniors to remain in their homes.

Investment Accounts: Liquidating investment assets may be necessary to fund care costs not covered by insurance.

The Role of Family Caregivers in Insurance-Covered Care

Family caregivers play a crucial role in the long-term care system, and understanding how their involvement affects insurance coverage helps families plan effectively.

Family Caregiver Support and Respite

Respite Care Benefits: Many long-term care insurance policies include respite care benefits that provide temporary professional care to give family caregivers breaks from their responsibilities.

Caregiver Training: Some policies cover training programs that help family caregivers learn proper care techniques and safety procedures.

Support Groups: Insurance may cover participation in caregiver support groups or counseling services that help families cope with caregiving stress.

Coordinating Professional and Family Care

Care Plan Integration: Professional care providers like Prime Care work with family caregivers to develop coordinated care plans that maximize both insurance benefits and family involvement.

Communication Systems: Effective communication between professional caregivers, family members, and healthcare providers ensures continuity of care and optimal outcomes.

Emergency Planning: Families need plans for situations when primary family caregivers are unavailable and professional services must be increased temporarily.

Preventing Caregiver Burnout

Warning Signs: Family caregivers should be aware of burnout symptoms including physical exhaustion, emotional stress, social isolation, and health problems.

Professional Support: Using insurance benefits for professional care services can help prevent family caregiver burnout and maintain family relationships.

Self-Care Strategies: Family caregivers need strategies for maintaining their own health and well-being while providing support to their loved ones.

Technology and Innovation in Home Care Services

The home care industry continues to evolve with new technologies and innovations that improve care quality and safety while potentially affecting insurance coverage.

Remote Monitoring and Telehealth

Health Monitoring Devices: Wearable devices and home monitoring systems can track vital signs, activity levels, and medication compliance, providing valuable data to healthcare providers and insurance companies.

Telehealth Services: Video consultations with physicians and nurse practitioners can reduce the need for transportation to medical appointments while maintaining regular healthcare contact.

Emergency Response Systems: Personal emergency response systems provide 24/7 access to help in case of falls or medical emergencies.

Care Coordination Technology

Electronic Health Records: Digital health records improve communication between healthcare providers and ensure continuity of care across different settings.

Care Management Apps: Mobile applications help families track medications, appointments, and care activities while facilitating communication with professional caregivers.

Family Communication Platforms: Technology platforms allow family members to stay informed about their loved one’s care regardless of geographic distance.

Insurance and Technology Integration

Claims Processing: Electronic claims submission and processing systems speed up benefit payments and reduce administrative burdens.

Prior Authorization: Digital prior authorization systems can expedite approval processes for equipment and services.

Quality Monitoring: Technology-based quality monitoring systems help insurance companies ensure that covered services meet established standards.

Planning for Long-Term Care: Timing and Strategy

Successful use of long-term care insurance requires advance planning and strategic thinking about timing, coverage needs, and family coordination.

When to Purchase Long-Term Care Insurance

Age Considerations: Most experts recommend purchasing long-term care insurance between ages 50 and 65, when premiums are more affordable and health conditions are less likely to affect eligibility.

Health Status: Insurance companies require medical underwriting, making it important to purchase coverage while in good health.

Financial Capacity: Premiums should fit comfortably within retirement income planning, as policies require ongoing premium payments to maintain coverage.

Evaluating Coverage Needs

Family History: Consider family medical history and longevity when determining appropriate benefit amounts and coverage periods.

Geographic Factors: Account for the cost of care in your preferred aging location when selecting benefit amounts.

Inflation Protection: Given the long-term nature of these policies, inflation protection becomes crucial for maintaining adequate coverage.

Estate Planning Integration

Asset Protection: Long-term care insurance can protect assets intended for inheritance by covering care costs that might otherwise deplete savings.

Tax Considerations: Understand the tax implications of long-term care insurance premiums and benefits within overall estate planning.

Legal Documentation: Ensure that powers of attorney and healthcare directives address long-term care decision-making authority.

How Prime Care Supports Insurance Navigation

As New York’s first Department of Health-licensed home care agency, Prime Care has decades of experience helping families successfully navigate long-term care insurance benefits.

Comprehensive Insurance Support Services

Pre-Authorization Assistance: Our experienced staff helps families gather required documentation and coordinate with insurance providers before services begin, reducing delays and ensuring smooth benefit activation.

Direct Insurance Billing: Prime Care maintains billing relationships with all major long-term care insurance companies, handling claims submission and payment processing directly to reduce administrative burden on families.

Care Plan Coordination: Our Director of Nursing, who is a nurse practitioner, works directly with insurance case managers to ensure care plans meet both medical needs and policy requirements.

Ongoing Benefit Management: We monitor benefit utilization, provide regular progress reports, and advocate for appropriate care level adjustments as needs change over time.

Quality Assurance and Compliance

Regulatory Compliance: As a state-licensed agency, Prime Care maintains all required certifications and follows established protocols that insurance companies trust and recognize.

Caregiver Qualifications: Our rigorous screening and training processes ensure that all caregivers meet insurance company requirements for covered services.

Documentation Standards: We maintain detailed documentation of all services provided, ensuring compliance with insurance company requirements and facilitating smooth claims processing.

Quality Monitoring: Regular supervision and quality assurance processes ensure that covered services meet established standards and contribute to positive outcomes.

Family Communication and Support

Transparent Communication: Prime Care provides clear explanations of what services are covered by insurance versus what requires private payment, helping families make informed decisions.

Regular Updates: We provide families with regular updates on benefit utilization and any changes in coverage or care needs.

Crisis Management: Our 24/7 availability ensures that families have support during emergencies or unexpected changes in care needs.

Advocacy Services: When coverage issues arise, Prime Care advocates on behalf of families with insurance companies to resolve problems and maintain necessary services.

Getting Started with Long-Term Care Insurance and Home Care

Understanding long-term care insurance and how to use it effectively for home care services requires careful planning, but the benefits of successful navigation are substantial. With proper guidance and an experienced provider like Prime Care, Inc., families can successfully access insurance benefits to provide quality home care that allows seniors to age safely and comfortably in their own homes.

The key to success lies in early planning, thorough understanding of policy benefits and limitations, and working with experienced professionals who understand both the insurance landscape and the delivery of quality home care services. Whether you’re planning for future needs or facing immediate care requirements, taking action now ensures that you’re prepared to make the most of your long-term care insurance investment.

Immediate Steps for Families

Review Your Current Coverage: If you already have long-term care insurance, review your policy documents to understand your benefits, elimination periods, and coverage limitations. If you don’t have coverage, consider whether purchasing a policy makes sense for your financial situation and family needs.

Assess Current and Future Care Needs: Work with healthcare providers to understand current and anticipated care needs, including the types of services that would be most beneficial and the likely progression of care requirements.

Research Quality Providers: Identify home care agencies in your area that accept your insurance and have strong reputations for quality care. Prime Care’s four decades of experience in New York makes us a trusted choice for families throughout the metropolitan area.

Understand Your Options: Learn about all available funding sources for long-term care, including Medicare, Medicaid, veterans benefits, and personal financial resources, to develop a comprehensive funding strategy.

Plan for Family Involvement: Discuss with family members their willingness and ability to provide care support, and develop plans that coordinate professional and family caregiving effectively.

Ready to Explore Your Long-Term Care Insurance Options?

Don’t let insurance complexity delay the care your loved one needs or deserves. Prime Care has been helping New York families navigate these challenges since 1983, and we’re here to guide you through every step of the process with compassion, expertise, and unwavering commitment to quality care.

Contact Prime Care today at (212) 944-0244 for a free consultation and comprehensive insurance benefits review. Our experienced team will:

• Review your long-term care insurance policy and available benefits
• Conduct a complimentary in-home assessment by our registered nursing staff
• Coordinate directly with your insurance provider for service authorization
• Develop a personalized care plan that maximizes your insurance benefits
• Provide ongoing support and advocacy throughout your care journey

Visit our Google Business Profile to read reviews from families who’ve successfully used their long-term care insurance benefits with Prime Care, or explore our comprehensive home health care services designed to help seniors maintain independence and quality of life in the comfort of their own homes.

With Prime Care’s expertise, your family can navigate the complexities of long-term care insurance with confidence, ensuring that your loved one receives the quality care they deserve while protecting your family’s financial security and peace of mind.