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Originally Posted by BoatRatKat
Something to consider...several years ago while looking for assisted living for a relative in another state, several of the nicer facilities that did not accept medicaid told us right up front that they did not accept LTC either! This was not an issue since that option was not on the table anyway so we didn't pursue their reasoning for it but it is something to consider before purchasing LTC. Perhaps talk to some of the facilities in the area and ask them if they accept it or not.
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The facility doesn't have to accept it. You pay the bill, then file a claim with the insurance company. Generally the policy will have guidelines about what types of care the facility provides, licensing, etc.