How Can I Pay?
Options facilitates the payment process by providing a choice of payment methods for your convenience
- We invoice for our services every two weeks in arrears.
- We do not require a down payment
- We do not require a deposit
- We do not require advance payment
- We trust you will pay your bill on time
- We can mail, e-mail or fax the invoice directly to the client, their family, a Power of attorney, a trusted advisor or long-term care insurance company.
- Our invoices are detailed with the dates and times of service provided each day
Most of our clients are “private pay” which means they submit payment directly to us each period.
Our standard method of payment is by way of an electronic funds transfer (EFT). This payment method simplifies the process in that it ensures that interest charges are avoided, as well as late payments and termination notices. Additionally, it saves you, our client, time and postage costs, and ensures that your invoices are always paid in a timely manner.
Many clients believe that Medicare, Medicaid and most employer-sponsored HMO and PPO plans will pay for home care services. The reality is that these plans only reimburse you for intermittent visits from a home care nurse on a temporary basis and only when your loved one has a specific qualifying medical diagnosis. In general, these types of insurance policies are not designed to pay for ongoing, hourly care giving services that are classified as “Long-Term Care.”
On the other hand, there are many other financial resources available in order to pay for ongoing care services. To name a few:
- Long-term care insurance
- Reverse mortgages
- Employer-sponsored Health Savings Account (HSA) or Flexible Spending Account (FSA)
- Employee-sponsored care giving stipends, such as “Back-Up Care” programs for employees who are adult caregivers and travel for work
- Family trust funds
- Workers’ compensation insurance
- Catastrophic auto insurance
- State-subsidized home- and community-based services, often referred to as “Medical Waiver” programs. (Age and income qualifications do apply.)
Since its inception in 1989, Options has participated with Long-Term Care insurance companies and various state and local programs. Today Options enjoys a close relationship with a number of insurance companies who use us as one of their Preferred Providers.
If you have a long term care insurance plan, Options trained personnel will verify benefits on your behalf, free of charge and without any commitment on your behalf. You may contact us for a detailed explanation of how we work with these companies to verify your benefits.
If your loved one is a U.S. veteran, we may be able to help them get benefits for home care from the U.S. Veterans Administration. For detailed additional information, you may visit our special section on Veterans Affairs.