Long-Term Care Insurance for Assisted Living and Group Home Services in Minnesota
What Is Long-Term Care Insurance?
Long-term care insurance is a type of private insurance policy that helps pay for extended care services when a person can no longer perform basic activities of daily living (ADLs) independently—such as bathing, dressing, eating, or mobility. Unlike standard health insurance, long-term care insurance is specifically designed to cover services provided in assisted living facilities, group homes, memory care, or even home-based care.
At 1 on 1 Comprehensive Healthcare Solution, we accept select long-term care insurance plans to help reduce the out-of-pocket costs for assisted living, customized living, and group home care across Minnesota. You can also use your long-term care insurance to pay for other healthcare related services.
This type of insurance offers flexibility and financial support for individuals who want to receive high-quality care without relying solely on Medicaid or personal savings.
At 1 on 1 Comprehensive Healthcare Solution, we understand the importance of planning ahead. Long-term care insurance can help individuals and families manage the cost of extended care, especially when daily support, supervision, or medical coordination is needed.
Whether you’re seeking placement in an assisted living home, group home, or customized living setting, long-term care insurance may reimburse part or all of your care expenses, depending on your policy.
We accept select long-term care insurance plans and work closely with families to verify benefits, assist with documentation, and ensure a smooth billing process.
Call us today at 763-299-0025, our staff are ready to help answer any questions you may have.
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Questions and answers about Long term care insurance in Minnesota
1. What does long-term care insurance cover?
Long-term care insurance typically covers the cost of services that support individuals with chronic illnesses, disabilities, or cognitive impairments. This includes care in assisted living, group homes, memory care, and even home-based services. It may help pay for daily assistance, medication management, and supervision.
2. Does long-term care insurance cover assisted living in Minnesota?
Yes, many long-term care insurance plans cover assisted living in Minnesota. At 1 on 1 Comprehensive Healthcare Solution, we accept select long-term care insurance policies that help cover personal care, customized living, and supervision services in our licensed facilities.
3. How is long-term care insurance different from Medicaid?
Long-term care insurance is a private policy purchased in advance to help pay for future care needs. Medicaid, on the other hand, is a government program based on income and asset eligibility. Long-term care insurance offers more flexibility and may reduce or delay the need for Medicaid.
4. Who should consider buying long-term care insurance?
Anyone who wants to protect their savings and plan ahead for potential care needs should consider long-term care insurance—especially individuals in their 50s or 60s. It provides peace of mind and more care choices later in life.
5. Can I use long-term care insurance at a group home?
Yes, if your policy includes residential or custodial care, it may help cover group home services. We work with families and insurance providers to confirm coverage and apply benefits toward care at our group home facilities.
6. Does 1 on 1 Comprehensive Healthcare Solution accept long-term care insurance?
Yes. We accept select long-term care insurance plans for assisted living, customized living, and group home care at our locations across Minnesota, including St. Michael, Maple Grove, Spring Lake Park, and Bloomington.