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What is a Plan of Care?

A plan of care is the list of long term care services and care you need, developed by your Care Coordinator or other licensed health care practitioner in conjunction with you and/or your family.

Many insurance plans will monitor and reassess your plan of care on a regular basis to ensure it continues to meet your needs and will make changes as necessary.

A plan of care can also address the wide range of additional services available in the community to help you meet your long term care needs. Community-based services include friendly visitor programs, home-delivered meals, chore services, and adult day care centers. These additional services may be reimbursed by long term care insurance.

The Federal Program offers care coordination consultative services provided by registered nurses to enrollees and their qualified relatives at no additional cost.

Under certain circumstances, Care Coordinators can authorize benefits for services and care that are not specifically defined as covered services.

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The Federal Long Term Care Insurance Program is sponsored by the U.S. Office of Personnel Management, administered by Long Term Care Partners, LLC, and offered by:
John Hancock Life Insurance Company, Boston, MA
Metropolitan Life Insurance Company, New York, NY