Michelle Bourne, CLTC ®
Long-Term Care Insurance Claims Consulting
We help navigate through this daunting process, making it more likely that your claim will be approved.
The Process
Filing long term care insurance claims can be difficult for a variety of reasons:
- Strict eligibility requirements must be met.
- Claims paperwork can be overwhelming, particularly for the elderly.
- There are many varieties of LTC Insurance policies that vary widely.
- Specifics of benefits available may be obscure and unclear.
- LTC Insurance providers have strict deadlines for filing claims, so it’s critical to make sure all paperwork is submitted in a timely and efficient manner.
- Processing a LTC Insurance is unique from any other medical claim and may often be left up to interpretation, which causes the process to be lengthy and frustrating.
- Some clients have been known to forego their benefits rather than continue confrontations with the insurance company.
The Process
Filing long term care insurance claims can be difficult for a variety of reasons:
- Strict eligibility requirements must be met.
- Claims paperwork can be overwhelming, particularly for the elderly.
- There are thousands of varieties of LTC Insurance policies that vary widely.
- Specifics of benefits available may be obscure and unclear.
- LTC Insurance providers have strict deadlines for filing claims, so it’s critical to make sure all paperwork is submitted in a timely and efficient manner.
- Processing an LTC Insurance is unique from any other medical claim and may often be left up to interpretation, which causes the process to be lengthy and frustrating.
- Some clients have been known to forego their benefits rather than continue confrontations with the insurance company.
We Help Navigate Through This Daunting Process
Explore Our Services
We’re here to help provide solutions so you can live your life on your own terms. LTCI Claims Consulting available services:
- Confirm HIPAA documents are in place for family, doctors and/or representatives on behalf of the policyholder.
- Teleconference with you and the LTC insurance company to obtain current benefit information, eligibility requirements, and elimination period.
- When appropriate, help initiate long-term care insurance claim, including teleconference with you and the LTC insurance company’s claims and intake departments.
- Instruct care providers on filling out compliant invoices and care notes.
- Help navigating the LTC insurance company’s online portal.
- Upon receipt of the claims packet from insurer, assist with paperwork, distribute requests for records forms to necessary entities including primary care physicians, specialists, home care agencies, long term care facilities, hospitals, and any other care providers.
- Assist in obtaining completed records requests and confirm receipt of such forms and records by the LTC insurance company.
- Claim progress reports.
- Prepare claimant and family for in-person or video assessments.
- Upon approval, help submit and track invoices for reimbursement.
- Review for any retroactive claims.
- If claim is denied, help file an appeal.
- Assist with monthly monitoring of claim.
*This is not a complete list, and services will adapt to meet the unique needs of each policy claim.
Consult With An Expert
If the thought of reading through a lengthy, dense insurance policy on your own is unappealing, you’re not alone. Not only are insurance policies typically long, but they also may include confusing terminology or industry jargon that can make it difficult for some seniors and their family members to understand the policy documents fully.
To remedy this problem, and ensure you’re on the right track to getting your claim approved, consider consulting an expert for assistance. LTC insurance consultants specialize in helping seniors and their families file long-term care claims and can be of great help when trying to understand the details of one’s policy terms. An insurance expert can also help facilitate the claim submission process and help your family stay organized so that nothing falls through the cracks.
”Our financial firm has worked with Michelle for over 15 years, educating us and our clients about the benefits of long-term care insurance. Her expertise, along with her qualities of empathy, honesty, compassion and persistence, ensure that you will receive professional assistance when the need arises for you or your family to file a long-term care insurance claim. I recommend Michelle Bourne without hesitation.
Carol M.Cornerstone Wealth Management
”Our financial firm has worked with Michelle for over 15 years, educating us and our clients about the benefits of long-term care insurance. Her expertise along with her qualities of empathy, honesty, compassion and persistence ensure that you will receive professional assistance when the need arises for you or your family to file a long-term care insurance claim. I recommend Michelle Bourne without hesitation.
Carol M.Cornerstone Wealth Management
Connect With a Professional Today
You don’t have to go it alone. We’re here to help you with your long-term care insurance claim.
Address
LTCI Claims Consulting
100 W. High Street #817
Moorpark, CA 93020
