Long Term Care Insurance

Long Term Care Insurance Assistance Serving Waldorf, MD, Washington DC, Baltimore, Potomac, Upper Marlboro, La Plata, MD, and the surrounding DC, MD, & VA areas.

At Agatha Home Health, we are committed to ensuring that our clients receive the essential care they need in the comfort of their own homes. We understand that many individuals have invested in Long Term Care (LTC) insurance for years, and we believe that accessing these benefits should be straightforward and hassle-free.

Our team works closely with all major LTC insurance carriers to streamline the process for our clients. This collaboration allows us to navigate the complexities of insurance policies efficiently, ensuring that clients can tap into their benefits without unnecessary delays.

We take pride in our personalized approach, tailoring care services to meet the unique needs of each individual. With Agatha Home Health, clients can rest assured that they are in dependable hands.

Our mission is to provide compassionate care while facilitating access to the resources our clients deserve. By partnering with us, families can focus on what truly matters: the well-being of their loved ones.

What is Long Term Care Insurance?

Long Term Care Insurance is a specialized private insurance solution designed to help individuals cover expenses that are typically excluded from standard health insurance and Medicare.

These expenses can include:

  • In-home personal assistance (support with activities such as bathing, dressing, grooming, and meal preparation)
  • Assisted living or residential care facilities
  • Skilled nursing services
  • Adult day care programs


These insurance policies empower individuals to make choices regarding their care, allowing them to receive support at home, within their community, or in a dedicated care facility. At Agatha Home Health, we recognize the importance of ensuring that our clients have access to the necessary resources for their long-term care needs.

Do You Have Long Term Care Insurance?

Many people don’t realize they already have a policy. LTC coverage is often provided through:

If you are unsure, check your:

How to Apply for Benefits

Activating your Long Term Care Insurance benefits typically involves:

1.) Locate Your Policy
  • Contact your HR department, financial advisor, or insurer directly.
  • Look for policy documents that mention “Long Term Care” or “Home Care Benefits.”
2.) Open a Claim

Call your insurance company’s claims department. Be ready to provide: policy number, date of birth, diagnosis/need for care, and provider info.

3.) Assessment

Most carriers require that you need assistance with two or more Activities of Daily Living (ADLs) (e.g., bathing, dressing, eating, toileting, mobility), or have cognitive impairment (e.g., dementia).

4.) Approval & Care Plan

Once approved, you can select Agatha Home Health as your care provider. We will work directly with the insurance company to coordinate care and handle billing.

Major Long Term Care Insurance Carriers

We work with all major carriers, including:

Why Choose Agatha Home Health?

Our private nurses bring over 25 years of experience and treat every client like family–providing not just health and companion care, but true compassion. Our home health care aides are trained, trusted, and dedicated to creating personalized plans that meet both physical and emotional needs.

With 24/7 home health care support in Fort Waldorf, MD, Washington DC, Baltimore, Potomac, Upper Marlboro, La Plata, MD, and the surrounding DC, MD, & VA areas, and a family-owned approach, we give you peace of mind knowing your loved one is safe. Fill out our quick contact form and start getting the home health care services you or your loved ones deserve!

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