Long-Term Care Insurance

Use Your Long-Term Care Insurance With Confidence

Premium Care. Covered By Your Policy.

Long-Term Care (LTC) insurance was designed for moments like this — when you or your loved one needs personalized support at home. LuxeCare Living specializes in helping families unlock the full value of their LTC benefits while receiving high-end medical and non-medical services.

We understand the complexities of LTC policies. Our in-house team of licensed LTC insurance specialists will guide you every step of the way — from benefit verification to documentation and claims processing — so you can focus on what truly matters: care, comfort, and peace of mind.

What is Long-Term Care Insurance?

LTC insurance is a private insurance policy designed to help cover the costs of non-medical or medical services needed over an extended period — typically due to aging, injury, illness, or disability.

Most policies cover services such as:

Personal care assistance (bathing, grooming, dressing)
Skilled nursing care at home
Respite care for family caregivers
Meal prep, companionship, and daily living support
Cognitive care for Alzheimer’s or dementia

What Makes LuxeCare Different?

We don’t just “accept” LTC insurance — we integrate it seamlessly into your care experience:

Feature	LuxeCare Living
In-House LTC Policy Review	✔ Yes – Free consultation & policy analysis
Claims & Documentation Support	✔ Yes – We handle forms, logs, & submissions
Coordination with Insurers	✔ Yes – We communicate directly with carriers
Indemnity & Reimbursement Plans	✔ Yes – We support both payment models
Dedicated LTC Specialist Team	✔ Yes – Trained experts on staff

Common Insurance Providers We Work With

We proudly support policyholders with plans from:

OneAmerica (Asset-Care)
Lincoln Financial (MoneyGuard)
Mutual of Omaha
Securian Financial
Nationwide (CareMatters II)
Bankers Life
Genworth (legacy plans)

Don’t see your provider listed? We can still help. Book a free review today.

Reimbursement vs. Indemnity: What’s the Difference?

Reimbursement Plan

You pay out of pocket first
We submit documentation for you to be reimbursed

Cash Indemnity Plan

You receive monthly cash benefits directly
You use those funds to pay for LuxeCare services

We’ll help you understand which plan you have and create a billing flow that works.

How It Works: Step-by-Step

Schedule a Free Consultation

We’ll assess care needs and review your LTC policy.

Create a Custom Care Plan

Tailored to your preferences, diagnosis, and insurance coverage.

Start Services Without Stress

We handle the paperwork. You receive white-glove care.

FAQs About LTC Insurance

I don’t understand my policy. Can you explain it to me?

Yes. Our specialists will walk you through your policy benefits line-by-line.

What if I haven’t triggered my policy yet?

We’ll help you initiate your claim, including assessments and physician forms.

How often will I be reimbursed?

It depends on your policy. We assist with monthly or per-service submissions.

Can I use LTC for a family member?

Yes, if they are the policyholder. We work directly with families and POAs.

Serving Families Across Georgia

Get the Most From Your LTC Benefits

You’ve invested in Long-Term Care insurance — now let it work for you. LuxeCare Living combines policy expertise, clinical care, and concierge service to deliver the private home health care experience your family deserves.