Paying for Care
Payment Options
ForeverWell accepts Long-Term Care Insurance, and we’ll help you understand your policy, coordinate paperwork, and put your benefits to work.
What Is It?
Understanding LTC Insurance
Long-Term Care (LTC) insurance is a policy designed to help cover the cost of services like in-home personal care, companion care, and assistance with daily living — expenses that traditional health insurance and Medicare typically don’t cover.
Paying for Care
Your VA Benefits May Cover Home Care
Many Veterans qualify for more than one VA program that helps pay for in-home assistance with daily living, memory care, or recovery support. We help you navigate the options.
Homemaker & Home Health Aide
For Veterans who need help with daily activities, delivered through VA-approved Community Care Network providers. Used alongside Aid & Attendance benefits.
Aid & Attendance Pension
An added pension benefit for eligible Veterans and surviving spouses that can help cover bathing, dressing, mobility, and other daily care needs.
Family Caregiver Program
Support for family members who care for an eligible Veteran full-time, including respite care days and a caregiver stipend.
Veteran-Directed Care (VDC)
Lets eligible Veterans manage their own care budget and choose who provides it — including hiring a trusted caregiver to help them age in place at home.
Paying for Care
Private Pay
ForeverWell Home Care accepts private-pay clients who choose to personally fund their home care services. Private pay offers families flexibility in selecting the type, frequency, and level of care that best meets their loved one’s needs. Our team will work with you to develop a personalized care plan and provide clear, transparent information about our rates and services.
Paying for Care
Workers’ Compensation
ForeverWell Home Care may provide home care services for individuals recovering from a work-related injury or illness when services are authorized through their workers’ compensation insurance.
We work with the appropriate parties to help coordinate approved care and support our clients throughout their recovery. Coverage and eligibility are determined by the workers’ compensation carrier and applicable authorization requirements.
Simple Process
Putting Your Benefits to Work
We handle the coordination so you can focus on care, not paperwork.
1
Share Your Policy
Send us your LTC insurance details, and we’ll review the coverage, waiting period, and daily/monthly benefit amount.
2
Confirm Eligibility
We help confirm what triggers your benefit — often needing assistance with a set number of daily living activities.
3
Build Your Care Plan
We design a personalized care schedule that fits within your policy’s covered hours and services.
4
Ongoing Documentation
We provide the visit records and documentation many insurers require to process ongoing claims.
Common Questions
LTC Insurance FAQs
Does ForeverWell accept Long-Term Care Insurance?
Yes. We work with clients across our service area to coordinate care that fits within their LTC policy.
What if I’m not sure whether my policy covers home care?
Bring us your policy details during a free consultation, and we’ll help you understand what’s covered and how to start a claim.
Can I combine LTC insurance with private pay?
Yes — many families use LTC insurance to cover part of their care and pay privately for any additional hours.
Do you have a long term care policy?
Let’s review it together and build a care plan that makes the most of your benefits.
