Your Personal Guide Through the World of Long-Term Care.

Navigating long-term care benefits, insurance, and healthcare systems can feel overwhelming — especially when you are focused on the health and well-being of someone you love. At Visiting Hearts Home Care, we take that weight off your shoulders completely.

Our Care Coordination services pair every client with a dedicated Care Coordinator — your personal advocate, navigator, and point of contact from the very first call. Whether you need help applying for ALTCS, unlocking your Long-Term Care insurance policy, accessing VA benefits, managing a hospital discharge, or finding the right community resources, we handle it so you can focus on what matters most.

Every Visiting Hearts client is paired with a dedicated Care Coordinator — a real person who knows your situation, your care team, your benefits, and your preferences. You will never have to explain yourself to a different person every time you call.

What Your Care Coordinator Manages

• Serve as your single, consistent point of contact across all providers and health plans
• Build and maintain a personalized care profile for every client from day one
• Facilitate communication between physicians, specialists, caregivers, and family members
• Manage referrals, prior authorizations, and follow-up appointments
• Track medication changes, condition updates, and care plan adjustments
• Conduct quarterly care check-ins to make sure services continue to fit your life
• Coordinate caregiver scheduling, shift coverage, and performance oversight

ALTCS (Arizona Long Term Care System) is Arizona’s Medicaid program providing long-term care services at little or no cost to eligible seniors and adults with disabilities. The application process is complex, document-heavy, and easy to get wrong — but Visiting Hearts Home Care knows every step of it.

How We Help

• Verify eligibility with Banner University Family Care, UHC Community Plan, or Mercy Care Plan before applying
• Provide a personalized document checklist and help organize all required financial, identity, and medical records
• Guide you through the application via Health-e-Arizona Plus or by phone at (888) 621-6880
• Communicate with ALTCS caseworkers on your behalf throughout the 45–90 day review
• Prepare you for the Pre-Admission Screening (PAS) medical interview
• Refer you to a Certified Medicaid Planner if a Miller Trust is needed for income over $2,982/month
• Support you through the appeal process if an application is denied

ALTCS Quick Facts (2026)

If you or a loved one holds a Long-Term Care (LTC) insurance policy, that coverage may pay for Visiting Hearts Home Care services — potentially covering all or a significant portion of the cost. But accessing those benefits can feel like a second job. Policy terms vary widely, claims processes are complex, and insurance companies don’t always make it easy.

That is where we come in. Visiting Hearts Home Care works directly with clients and their LTC insurance providers to verify your benefits, initiate claims, and coordinate care billing — so you can use the coverage you have worked hard to pay for without the frustration and confusion.

What We Do

• Review your Long-Term Care insurance policy to identify what home care services are covered
• Verify benefit eligibility, daily or monthly benefit amounts, and elimination periods
• Communicate with your insurance carrier to initiate your claim
• Submit required documentation including physician letters, care plans, and activity of daily living (ADL) assessments
• Coordinate ongoing billing between Visiting Hearts Home Care and your insurance provider
• Track benefit usage and notify you when you are approaching your benefit maximum
• Assist with claim disputes or appeals if your insurer denies or reduces a claim

Common LTC Insurance Providers We Work With

We work with clients holding policies from major carriers including Genworth, John Hancock, Mutual of Omaha, Transamerica, MetLife, Aetna, Bankers Life, and others. If your carrier is not listed, contact us — we will work with any licensed LTC insurance provider.

Common Questions

How do I know if my policy covers home care?

Most LTC policies include a home care benefit — but the specific coverage, waiting periods, and benefit triggers vary by policy. We will review your policy documents and contact your carrier to confirm exactly what is available to you.

What is an elimination period?

Most LTC policies have an elimination period — a set number of days you must pay privately before benefits begin (commonly 30, 60, or 90 days). Your Care Coordinator will help you plan for and track this period so you know exactly when your coverage kicks in.

Can Visiting Hearts bill my LTC insurance directly?

Yes. Once your claim is established with your carrier, we coordinate billing directly with your insurance provider so you are not managing invoices between us and your insurer.

If you or a loved one is a veteran or the surviving spouse of a veteran, there may be significant benefits available to help cover the cost of home care — benefits that many families never know about or never successfully access. Visiting Hearts Home Care is committed to making sure every veteran we serve gets every benefit they have earned.

Key Benefits We Help You Navigate

VA Aid & Attendance Pension

The VA Aid & Attendance benefit provides a monthly pension to veterans and surviving spouses who need assistance with activities of daily living. Benefits can reach up to $2,424 per month for a veteran with a dependent, and cover home care services directly. We help you understand eligibility and connect you with VA-accredited professionals who can assist with the application.

VA Community Care Network (CCN)

Veterans enrolled in VA health care may be eligible to receive home care services through the VA’s Community Care Network — meaning the VA pays for qualified home care from agencies like Visiting Hearts. Your Care Coordinator helps navigate the CCN authorization process and works with your VA primary care provider to establish eligibility.

VA Homemaker & Home Health Aide Program

This VA program provides personal care and ADL assistance to enrolled veterans who need help to remain safely at home. We guide eligible veterans through the referral and authorization process.

VA Respite Care

Family caregivers of veterans may qualify for up to 30 days of respite care per year — giving caregivers a needed break while ensuring the veteran continues to receive quality care. We help families access and schedule this benefit.

• We will review your military service history and current benefits enrollment to identify which VA programs apply to your situation
• We connect you with VA-accredited claims agents and veterans service organizations when needed
• We coordinate care billing with the VA once benefits are authorized

Leaving the hospital is a major milestone — but the transition home is one of the highest-risk periods for seniors and individuals with chronic conditions. Research shows that poorly managed hospital discharges are one of the leading causes of preventable readmissions. Visiting Hearts Home Care specializes in making this transition as safe and seamless as possible.

What We Do

• Coordinate directly with hospital discharge planners and social workers before you leave the hospital
• Review discharge instructions and communicate care requirements to your home care team
• Ensure the home environment is safe and ready before the client returns — grab bars, medication setup, fall hazard review
• Arrange for immediate caregiver coverage on the day of discharge
• Confirm all follow-up physician appointments are scheduled and transportation is arranged
• Communicate with the client’s primary care provider and any specialists involved in recovery
• Monitor the client closely in the days following discharge and alert the care team to any warning signs
• Coordinate any needed durable medical equipment (DME) such as walkers, wheelchairs, or hospital beds

Why This Matters

Studies show that one in five Medicare patients is readmitted to the hospital within 30 days of discharge — often due to gaps in follow-up care or medication management at home. Our Hospital-to-Home service closes those gaps before they become emergencies.

Family caregivers are the unsung heroes of long-term care. They provide millions of hours of unpaid care every year — and they are often overwhelmed, under-supported, and at risk of burning out. At Visiting Hearts Home Care, we believe that supporting the family caregiver is just as important as supporting the client.

What We Offer

• One-on-one caregiver education sessions covering safe assistance techniques, fall prevention, medication management, and dementia care basics
• Family training on how to work alongside professional caregivers to provide consistent, safe support
• Caregiver stress assessment and connection to local respite care, counseling, and support group resources
• Clear family communication protocols — who to call, what to document, and how to report changes in condition
• Assistance identifying and applying for VA respite care benefits for families of veterans
• Connection to Arizona Area Agency on Aging resources and local caregiver support programs
• Regular family update calls from your Care Coordinator so out-of-town family members stay informed

Long-term care is about more than what happens during a caregiver’s shift. It is about the full picture of a person’s life — their nutrition, their social connections, their safety, their transportation, and their sense of independence. Visiting Hearts Home Care connects clients to a carefully vetted network of community resources that support all of these needs.

Resources We Connect You To

Most home care agencies set up a care plan when a client starts services and revisit it only when something goes wrong. At Visiting Hearts Home Care, we take a proactive approach. Every enrolled client receives a formal Annual Benefits & Care Review — a scheduled, comprehensive check-in that looks at every aspect of their care and every source of coverage available to them.

What the Annual Review Covers

• Review of current ALTCS benefit status and any changes in eligibility or Share of Cost
• LTC insurance benefit usage review — confirming remaining benefit balance and policy compliance
• Veterans benefit review — identifying any new VA programs the client may now qualify for
• Care plan reassessment — are current services still the right fit? Do hours need to increase or decrease?
• Medication and condition changes that may affect care needs or eligibility for new programs
• Family dynamics update — has the family caregiver situation changed?
• Community resource review — are current referral partners still serving the client well?
• Financial planning check — are there new payment options or benefit programs worth exploring?

How It All Works Together

Our Care Coordination services are designed to work as a seamless system — not a menu of disconnected options. Here is what a typical client journey looks like from first contact to long-term partnership: