- If Medicare paid for my expenses, should I still file a claim with Bankers Life?
- Can I hire a family member to provide home health care for me?
- I have a home health care agency I want to use. How can I find out if it's an eligible provider with my policy?
- Does my policy pay benefits for someone to clean my house?
- Does my Home Health Care Only policy pay for expenses in a nursing home or assisted-living facility?
- What are the requirements for an independent caregiver?
- Is there a waiting period before my policy pays benefits?
- Is there a deadline for submitting claims?
- How long does it take to process my claim?
- Should I file a claim before or after I begin receiving care?
- Can I file a claim for my medical alert system?
- What address should be used when mailing a Long-Term Care, Short-Term Care, or Home Health Care claim?
- Long-Term Care, Short-Term Care, and Home Health Care FAQs
- If Medicare paid for my expenses, should I still file a claim with Bankers Life?
- Yes. If your Bankers Life policy has an elimination period, your Medicare-covered expenses could satisfy that requirement. Remember, your policy's benefit-eligibility requirements still must be met before expenses will be paid.
- Can I hire a family member to provide home health care for me?
- Your policy may have an exclusion that prevents benefits from being paid for care by an immediate family member. Be sure to review your policy to see if it has this exclusion. If it does not have this exclusion, benefits may be paid for home health care provided by an immediate family member. That individual will simply need to meet the provider-eligibility requirements described in your policy. Contact the Bankers Life customer service department before care begins to verify that the family member meets your policy requirements.
- I have a home health care agency I want to use. How can I find out if it's an eligible provider with my policy?
- Contact our Customer Service Center before care begins. We can then verify whether the agency meets all policy requirements. If necessary, we can provide names and contact information for eligible agencies in your area.
- Many Bankers Life policies pay benefits to cover "homemaker services." You must meet your policy's eligibility requirements for benefits to be paid. Check your policy for specific information. If you're still unsure, contact our Customer Service Center for support.
- Does my Home Health Care Only policy pay for expenses in a nursing home or assisted-living facility?
- Under most circumstances, it does not. Most Home Health Care Only insurance policies require that a home health care agency or similar entity provide services. Nursing homes and assisted-living facilities are not considered home health care providers.
- An independent caregiver must meet the policy requirements to be considered an eligible provider. Home health care services provided by an independent caregiver - that is, a caregiver who is not employed by a home health care agency - may qualify for benefits if that individual currently meets one of the following:
- A licensed Registered Nurse.
- A licensed Practical Nurse.
- A Certified Nurse Aide.
- Included in a government-sponsored Nurse Aide Registry.
- Note: These criteria don't apply to independent caregivers in California.
- Most Bankers Life policies have an elimination period or deductible. An elimination period is similar to a waiting period. Benefits aren't paid for an approved claim until after a certain number of days pass. The exact language and number of days will vary by policy. If you have questions, please contact our Customer Service Center.
- Every Bankers Life insurance policy defines the timeframe during which we must receive the claim. Your state's insurance regulations may vary from this standard and will always override your policy's provisions.
- Each state defines the timeframe companies have to pay eligible benefits. Refer to the Prompt Pay law guidelines in your state for your policy type. To process your claim quickly and accurately, we must gather specific information from your care provider. When you can help us gather the required documents and supply any missing information, you can prevent or decrease delays. Our claim department will review your documents to verify that we've received all required information. The claim will then be reviewed for eligibility. Bankers Life will communicate with the claimant and/or legal guardian throughout the process.
- Most Bankers Life insurance policies are "expense incurred" policies. In other words, care must begin with the provider before a claim can be filed and processed.
- Many Bankers Life insurance policies pay a benefit for emergency medical response systems, such as Life Alert. The system must meet your policy's benefit-eligibility requirements to qualify. Please review your policy for details. If you're still unsure, contact our Customer Service Center.
- What address should be used when mailing a Long-Term Care, Short-Term Care, or Home Health Care claim?
PO Box 1902
Carmel, IN 46082-1902