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1. Is this like insurance?
A: In general terms the concept of protecting your assets can be considered insurance, however we are not an insurance company. We are a not-for-profit organization regulated by the NH Insurance Department as a Continuing Care at Home Program (CCAH). Our program is more comprehensive than insurance and focuses not only on preserving assets but also providing and managing services for our members. We strive to develop close relationships between our members and their care coordinators. This is one of the many reasons Hunt at Home is very unique compared to long-term care insurance. We concentrate on quality of care, quality of life and giving our members peace of mind.
2. Why should I pay for services that I won’t receive for years or maybe never?
A: When you consider any type of financial protection in your lifetime, such as life, homeowners, automobile or disability, the focus is on preserving your assets from being depleted due to some unforeseen event. Nobody ever wants to be in a situation where they need to utilize the insurance they carry, however, most of us understand the importance of having the proper financial protection for our families and ourselves. The reality is many of us will need some form of long-term care as we age. At the same time, the cost of these services will continue to increase. The choice you have today is to put a plan in place for the future and give your family and yourself more security and peace of mind, or not invest in long-term care now and be vulnerable to having your assets completely depleted which can possibly limit your access to future care. Which situation would you rather be in?
3. Why do you need to charge $250 to make an application to the program?
A: The application fee covers the average costs of the admissions process. We send staff to the prospective member’s home to do a full assessment and a home evaluation which, if one contracted with a geriatric care manager for this service, the charge can be as much as $300.
4. What happens if I die? Will there be a benefit to my estate?
A: The program is designed to have membership fees deplete at 2% per month for up to fifty months.
5. Do I have to pay extra when I move into Assisted Living in one of the “sister” facilities?
A: This depends upon the plan that you choose. If you choose the All-Inclusive Plan, the only additional fee is the cost of meals if you move into either Hunt Community or The Huntington at Nashua. If you choose the Shared Plan, you pay a 50% co-pay for assisted living or nursing home care at either participating facility, plus the cost of meals.
6. Are there any hidden fees?
A: No there are no hidden fees. The agreement lists any other additional fees that may arise while you are in our care. For instance, you would pay for your own medications while living in one of the participating facilities.
7. Why would I need the Hunt at Home program if I have Long-Term Care Insurance?
A: Hunt at Home is very different from long-term care insurance. It is much more comprehensive and personal. You have access to a care coordinator the day you become a member. Insurance is mainly used to offset a portion of your financial exposure if you need future care; it is not responsible for managing and/or providing services. We not only cover the cost of care up to the daily limitation, but we manage and coordinate services for each of our members. In addition, the requirements to be eligible for long-term care benefits can be complicated and restrictive. Generally, with long-term care insurance you need to be experiencing several deficiencies with your activities of daily living before you are eligible for any reimbursement. Our program allows you to access services as soon as you have difficulty with one activity of daily living. Care will begin much sooner.
8. Won’t Medicare, Medicaid and/or my supplemental insurance pay for these services when I need them?
A: A major misconception regarding long-term care is that traditional health insurance will cover those expenses. In reality, when an individual is in need of custodial long-term care, most of the costs are paid for privately, not covered by Medicare or supplemental insurance (Medicare and/or supplemental insurance may cover some of the initial costs when it is an extension of a hospital stay). Medicaid would only become available when a person has become financial indigent (it would be considered Welfare at that point).
9. What if I don’t ever want to move into a facility?
A: One of the important reasons individuals become members of our program is their desire to remain in their homes for the rest of their lives. We work very hard to keep our members in their homes when the time does come for them to receive long-term care. It is also important to recognize the appropriate level of care for our members. There are circumstances when temporary or permanent assisted-living or nursing home care is the proper level of care, and we want our members to receive what is best. However, we understand a person’s desire to remain in their home. Participating in our program will give someone a better opportunity to accomplish that goal than most options available today.
10. Is the pricing for one person or two?
A: The pricing is for each person who joins Hunt at Home. We do offer a discount on the membership and monthly fees for individuals who live in the same home and join the program together. Each member is entitled to his or her own separate care and service, which is why the pricing is per person even if they are joining as a couple.
11. Do you pay the monthly fees before you need services?
A: Yes, you do. You begin paying your monthly fees the month that you become a member and you continue to make those monthly payments as long as you remain in our program. You are still required to pay an ongoing monthly fee whether you are receiving benefits or not. As a member of Hunt at Home, you will be able to protect your assets from being depleted if you need future long-term care. At that time, your monthly fees will be much more manageable than if you had to pay for those services at full cost. Membership in Hunt at Home can give you long-term financial protection.
12. How do I know the program won’t go bankrupt?
A: It is impossible to guarantee or predict what will happen in the future, but Hunt at Home is part of Hunt Community, a subsidiary of Hunt Senior Living (our parent company). Hunt Community has been providing seniors with residential based care for over 100 years. Hunt at Home is now part of a grand tradition that began with the opening of the Hunt Community more than 110 years ago and is committed to providing another quality option for retirees in Nashua and the surrounding areas
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