Long-Term Care Insurance Home Care
Long-Term Care Insurance Home Care in Tennessee
Resource One is a PSSA-licensed home care agency accepted by most LTC insurance policies. We produce the claim documentation, coordinate with your carrier, and start services as soon as your benefits trigger.
You paid premiums for years. Now the claim process feels like a second job — elimination periods, ADL documentation, assignment-of-benefits forms, recertification deadlines. Many Tennessee families either give up and self-pay or settle for unlicensed help that disqualifies the claim entirely. There's a third path: an agency that handles the paperwork.
Why families choose Resource One for Long-Term Care Insurance Home Care
PSSA license meets the provider requirements of most LTC insurance policies
Tennessee Long-Term Care Partnership policies accepted
Detailed care plans, caregiver time sheets, and ADL visit logs prepared for claims
Direct billing to your carrier when assignment of benefits is in place
Bridge planning for the elimination period (typically 30–90 days)
Stacking plan for when LTC benefits run out — bridge to TennCare CHOICES, OPTIONS, or VA so care doesn't stop
Care scheduled within your daily or monthly benefit cap, with a plan for any overage
What we provide
- ✓Personal care aide services covered under your policy
- ✓Homemaker, companion, and supervision care
- ✓ADL-by-ADL visit logs that satisfy carrier documentation rules
- ✓Caregiver time sheets prepared for claim submission
- ✓Direct billing to your insurer where assignment of benefits is available
- ✓Carrier coordination — provider verification, plan-of-care submission, recertification timing
- ✓Flexible scheduling within your daily or monthly benefit cap
- ✓A bridge plan for the elimination period and a stacking plan for when benefits run out
Who qualifies
Individuals with an active long-term care insurance policy whose benefits have been triggered. Most policies require assistance with two or more activities of daily living (bathing, dressing, toileting, transferring, continence, or eating) or a cognitive impairment diagnosis (Alzheimer's, dementia). Most policies have a 30, 60, or 90-day elimination period before benefits begin paying. Tennessee Long-Term Care Partnership policies are accepted, as are standalone home-care-only and comprehensive policies from major carriers.
How to start
Pull your policy declarations — daily/monthly benefit, elimination period, covered services, and assignment-of-benefits language.
Call us for a free in-home assessment and a no-cost policy verification.
We coordinate with your carrier, build the claim documentation, and start services once benefits trigger.
Common questions about Long-Term Care Insurance Home Care
Does long-term care insurance cover home care?
Most modern long-term care insurance policies cover in-home care, including home care aide visits, personal care, and homemaker services. The two main types — Comprehensive and Home Care Only — both pay for licensed agency care like ours. Older Nursing-Home-Only policies do not. We'll review your specific policy at no cost before services begin.
Will my LTC insurance actually cover home care with Resource One?
Most long-term care policies issued after the 1990s cover licensed home care agencies. As a Tennessee PSSA-licensed provider, we meet the licensing standard nearly every carrier requires. We verify coverage with your carrier in writing before services begin — no surprise denials.
What's an elimination period and how does it affect me?
Most LTC policies have a 30, 60, or 90-day elimination period — a waiting window where you receive (and document) covered care before the carrier pays anything. Many Tennessee families bridge the elimination period with private pay so care can start immediately. Once benefits trigger, we can often bill the carrier directly through assignment of benefits.
What documentation does my LTC insurer need?
Typically: a written plan of care, caregiver time sheets signed by the client or family, ADL visit logs documenting which activities of daily living were assisted with, sometimes physician certification of chronic illness or cognitive impairment, and recurring recertification at 6-month or annual intervals. We produce all of this automatically — proper documentation is the main reason families use a licensed agency instead of a private caregiver who can't generate it.
Can my policy cover 24-hour care?
That depends on your daily or monthly benefit cap. We'll model what your policy actually pays against what the care plan requires, so you can decide whether to scale the plan to the benefit, supplement the gap with private pay, or explore stacking with VA or TennCare. We won't recommend a plan your benefit can't sustain.
What happens when my LTC insurance benefits run out?
Most policies have a maximum lifetime benefit. When you approach it, families typically transition to private pay, TennCare CHOICES, OPTIONS for Community Living, or VA benefits — whichever they qualify for. Resource One is credentialed in all three TennCare MCOs, the VA Community Care Network, and the state OPTIONS program, so we can stack pathways without a gap in care. Most franchise home care agencies can't.
Can I use VA benefits or TennCare alongside LTC insurance?
Sometimes. VA Aid & Attendance and LTC insurance can often run in parallel. TennCare CHOICES typically requires LTC benefits to be exhausted first. We can walk through stacking rules based on your specific plans during the free assessment.
Which long-term care insurance carriers do you work with?
We work with most major carriers — Genworth, John Hancock, Mutual of Omaha, MassMutual, Northwestern Mutual, New York Life, and the Tennessee Long-Term Care Partnership Program — among others. If your carrier isn't on this list, call us; the licensing requirement is what matters, and we meet it for nearly every policy.
Related services
Ready to move forward with Long-Term Care Insurance Home Care?
We'll walk you through options, timelines, and funding — whether it's in this conversation or after a free in-home assessment.