Long-Term Care Insurance Accepted — We Make It Simple
If you or a loved one has a long-term care insurance policy, CareMN Home Care can help you put it to work. We accept most major long-term care insurance plans and handle the billing process from start to finish — so your family can focus on care, not paperwork.
Many families across Minnetonka and the Minneapolis west metro have been paying into long-term care insurance policies for years without knowing exactly how or when to use them. We’re here to help you understand your benefits and get the care you’ve already paid for.
How It Works — Simple From Start to Finish
Step 1 — Call Us
Give us a call or fill out our contact form. Tell us you have a long-term care insurance policy and we’ll take it from there. No need to figure anything out ahead of time.
Step 2 — We Verify Your Benefits
With your permission, CareMN contacts your insurance carrier directly to verify your policy benefits, daily or monthly benefit amounts, elimination period status, and any care requirements. We do this for you — free of charge.
Step 3 — We Build Your Care Plan
Once we understand your benefits, we create a personalized care plan that maximizes what your policy covers while meeting your loved one’s specific needs.
Step 4 — We Handle the Billing
CareMN submits claims directly to your insurance carrier on your behalf. You don’t have to chase reimbursements or navigate confusing paperwork. We manage it all so you don’t have to.
Insurance Carriers We Work With
CareMN Home Care accepts most major long-term care insurance carriers including:
- Genworth Financial
- Mutual of Omaha
- John Hancock
- Transamerica
- Northwestern Mutual
- Bankers Life
- And most other major carriers
Not sure if your policy qualifies? Call us at 612-888-1168 and we’ll find out for you — no commitment required.
Common Questions About Long-Term Care Insurance
How do I know if my policy covers in-home care?
Most long-term care insurance policies cover in-home personal care and companion services. The best way to find out is to call us — we verify benefits every day and can usually get an answer within 24 hours.
What if my elimination period hasn’t been met yet?
The elimination period is like a deductible — a set number of days of care that must be paid out of pocket before benefits begin. We’ll tell you exactly where you stand and help you plan accordingly.
Can CareMN help if my family member is in another city?
We currently serve families across the Minneapolis west metro including Minnetonka, Plymouth, Eden Prairie, Wayzata, Edina, Hopkins, Bloomington, Chaska, Maple Grove, and surrounding communities.
What if I’m not sure which company holds my policy?
Check old mail, bank statements for premium payments, or contact your financial advisor. If you have a policy number but aren’t sure of the carrier, we can often help you track it down.
Does using my LTC insurance affect my premium?
Using your benefits does not increase your premium — you’ve already paid for this coverage. Many families wait too long to use their benefits out of concern for this. Don’t wait — your policy is there for exactly this purpose.
Ready to Find Out What Your Policy Covers?
Don’t leave benefits on the table that your family has been paying for. CareMN Home Care will verify your coverage, build a care plan around your benefits, and handle all the billing — so you can focus on what matters most.
Call us today at 612-888-1168 or fill out our contact form below and we’ll call you back within 2 hours during business hours. There’s no pressure and no commitment — just a friendly conversation about how we can help.