WE HANDLE THE PAPERWORK

Navigating Long-Term Care Insurance in Houston, TX

Don't fight the insurance battle alone. We act as your dedicated Case Manager, handling the complex documentation, audits, and billing so you can just be family again.

LTCI Carriers We Work With

Genworth John Hancock Mutual of Omaha MetLife (Legacy) CNA New York Life Bankers Life Transamerica

Understanding the LTCI Process

Most families are surprised to learn that an LTCI policy doesn't just "pay the bill" automatically. It requires strict, monthly legal verification. Here is how the process actually works, and why exact documentation is critical.

1

The "Trigger" Activation (ADLs)

A policy won't pay until a physician or RN certifies that the client cannot perform at least 2 of the 6 Activities of Daily Living (Bathing, Dressing, Toileting, Transferring, Continence, Eating) OR has a diagnosed Cognitive Impairment like Dementia.

2

The Elimination Period

Think of this as your "deductible" in days (often 0 to 100 days). Families must pay out-of-pocket for this period before the insurance kicks in. Crucial detail: These unpaid days must be strictly documented by a licensed agency, or they will not count toward finishing your elimination period.

3

Care Plans & Daily Audits

Insurance companies compare daily caregiver notes to the official Plan of Care. If the plan says your loved one needs help bathing, but the caregiver's log for Tuesday just says "companionship," the carrier may deny paying for that day. One wrong word can deny a claim.

THE BLUEBONNET DIFFERENCE

We handle the stress so you can just be the daughter again.

If you go with a standard franchise, they will often mail you an invoice and tell you 'Good luck with the insurance.' The cash flow gap and the anxiety of proving your loved one is "failing" every month is exhausting.

"I built the agency I wanted for my own sister. That means protecting our families from the bureaucratic nightmare of insurance paperwork."

- Ali Khwaja, Founder

Our Concierge SOPs

  • The "Look-Back" Call: Before care starts, we initiate a conference call with the carrier to verify your exact elimination period and confirm exactly what terms trigger your benefits.
  • Assignment of Benefits (AOB): We establish direct billing. You don't have to wait 45 days for the insurance company to reimburse you; we can allow them to pay us directly, protecting your cash flow.
  • Idiot-Proof Care Logs: Our caregivers use custom logs requiring them to specify the exact ADLs performed (e.g., "Standby Assistance" vs. "Supervision") to ensure no claim is rejected over semantics.
  • The Friday Audit: Every single week, our management team reviews your daily logs against your Care Plan. We catch and correct documentation errors before they are ever submitted to the carrier.