Long-Term Care Insurance for Assisted Living and Group Home Services in Minnesota
Finding the right way to pay for assisted living can feel overwhelming. Many Minnesota families wonder if their long-term care insurance will cover the care their loved one needs. The good news is that most policies do help with assisted living costs, but understanding how they work is important.
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.
Assisted Living Homes in Minnesota Ready for Immediate Placement
What Does Long-Term Care Insurance Cover?
Long-term care insurance helps pay for services when someone can’t do everyday tasks on their own. This includes help with bathing, dressing, eating, or taking medications.
In Minnesota, these policies typically cover:
- Assisted living facility costs
- Small group home care
- Home health care services
- Personal care assistance
- Respite care for family caregivers
Most insurance companies require that your loved one needs help with at least two activities of daily living before benefits start. A doctor usually needs to confirm this need.
How Long-Term Care Insurance Works in Minnesota
Getting your insurance to pay for assisted living/customized living involves a few simple steps:
- Contact your insurance company and let them know care is needed
- Get a medical assessment from a doctor or nurse
- Submit required paperwork with your claim
- Wait for approval (usually takes 2-4 weeks)
- Receive benefit payments directly or to the care facility
Many policies have a waiting period of 30-90 days before they start paying. During this time, families pay out of pocket.
Daily Benefit Amounts
Many Longterm care policies in Minnesota pay between $100-$300 per day for assisted living/customized living. Some pay a monthly amount instead. It’s important to check if your policy amount covers the full cost of care or just part of it.
What If You Don't Have Long-Term Care Insurance?
Not everyone has long-term care insurance, and that’s okay. Minnesota offers several other options:
Medical Assistance (Medicaid) – Helps low-income seniors pay for care. Minnesota’s MA program covers assisted living through special waivers program.
Private Pay – Paying directly from savings or retirement funds. Many families in Wright County, Anoka and Hennepin County choose this option.
VA Benefits – Veterans and their spouses may qualify for Aid and Attendance benefits.
Life Insurance Conversion – Some life insurance policies let you use benefits early to pay for care.
Choosing the Right Care in Minnesota
When picking an assisted living in Minnesota, look for places that:
- Accept your insurance
- Have experience with insurance claims
- Provide the level of care needed
- Feel like home, not an institution
- Have good staff-to-resident ratios
Small group homes/Customized Assisted Living with 5 or fewer residents often provide better personalized care than large facilities. They’re also usually covered by long-term care insurance.
Expert Assisted Living Services in Minnesota
At 1on1 Comprehensive Healthcare, we help families navigate long-term care insurance every day. Our small licensed group homes and assisted living homes in Maple Grove, St. Michael, Spring Lake Park, and Bloomington accept most insurance policies.
We provide:
- Help with insurance paperwork and claims
- Most Nursing home-level care in a home setting
- Waiver services for those on Medical Assistance
- Complex medical care including ventilator support, G tube Care and more
- Personal care and medication management
Our team, led by a Doctor of Nursing Practice, works directly with insurance companies to make the process easier for families.
What Does Long-Term Care Insurance Cover?
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.
Complete our health need assessment
Let’s explore care options together. Our quick Patient Needs Assessment helps you find the right service—whether it’s in-home comprehensive care, 245-D services, or assisted living. Start your assessment today with confidence.
Take the Next Step
-Don’t let insurance questions stop you from getting the care your loved one needs. We’re here to help Minnesota families understand their options and find the right solution.
Contact us today for a free consultation:
- Phone: 763-299-0025
- Email: Admin@1on1comprehensivehealthcare.com
- Visit: 1on1comprehensivehealthcare.com
- Fill in our referral form.
Serving Wright County, Hennepin County, Anoka County, and Stearns County with compassionate, professional care.
1 on 1 comprehensive healthcare solution is also licensed in the state of Minnesota by Minnesota Department of Health and Minnesota Department of Human Services to provide comprehensive home care and 245-D services.
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.