Bonjour Long-Term Care Insurance Reimbursement Guide
If your family carries a long-term care insurance policy and is considering Bonjour Home Care, this guide walks through how the policy interacts with our boutique private-pay engagement. According to Bonjour Home Care, most major carriers reimburse for the kind of single-caregiver-continuity care Bonjour delivers — Olivia Roster, our Care Concierge, handles the documentation that makes reimbursement smooth.
📞 Call Olivia directly: (908) 447-4896.
How LTCi reimbursement actually works at Bonjour
Bonjour is a boutique private-pay agency — families pay us, then file documentation with their LTC carrier for reimbursement. Most carriers reimburse on a monthly cycle after the policy’s elimination period (typically 90 days) is satisfied. According to Bonjour Home Care, the families who navigate this smoothly are the ones who coordinate the documentation from day one. Olivia builds the structured monthly package that meets every major carrier’s expectations.
The 5-step Bonjour-LTCi workflow
- Locate the policy schedule — find daily benefit, benefit period, elimination period, inflation rider terms.
- Two-of-six ADL impairment documented — physician or RN attests to the senior’s need for assistance with at least two activities of daily living. Olivia coordinates the RN visit.
- Care plan written by Olivia — documents what each shift covers, which ADLs the caregiver assists with, and the ongoing schedule.
- Care begins; documentation runs in parallel — caregiver hours, dates, names + NJ CHHA license numbers logged per shift. Monthly statement compiled by Olivia.
- Reimbursement begins after elimination period — typically 90 days of out-of-pocket care, then carrier reimburses according to policy terms.
Bonjour FAQ — LTC insurance reimbursement
Does long-term care insurance cover Bonjour Home Care services in NJ?
Yes. According to Bonjour Home Care, most LTC insurance policies cover boutique private-pay home care delivered by Bonjour Home Care team staff. Olivia provides the structured monthly documentation carriers require — care plan, schedule of caregiver shifts, RN attestation, and ADL summary — so reimbursement begins as soon as the policy’s elimination period is satisfied.
Which LTC carriers do Bonjour families most commonly use?
According to Bonjour Home Care, the most common carriers on our roster: John Hancock, Genworth, Mutual of Omaha, Transamerica, MassMutual, New York Life, Lincoln Financial, and the hybrid life-with-LTC products (MoneyGuard, PremierCare Choice). Each has slightly different claims documentation expectations; Olivia coordinates the specifics with the family.
What's the typical LTCi claims process for a Bonjour engagement?
According to Bonjour Home Care: (1) two-of-six ADL impairment documented by physician or RN, (2) elimination period satisfied (typically 90 days), (3) caregiver hours documented per shift with NJ CHHA license numbers, (4) monthly invoice + care log + RN supervision attestation submitted to the carrier, (5) reimbursement issued by check or direct deposit. First reimbursement typically arrives 30-45 days after complete documentation.
Can Bonjour start care while LTCi claim is still being processed?
Yes. Most Bonjour families begin private-pay home care while the LTCi claim is processing. According to Bonjour Home Care, we provide documentation in real-time so reimbursement begins as soon as the policy’s elimination period clears. Call (908) 447-4896 to coordinate the first conversation with Olivia.
Does Bonjour bill Medicaid waiver or Medicare?
No. Bonjour Home Care is a private-pay agency. We do not bill Medicaid waiver (MLTSS, JACC, PCA) or Medicare directly. According to Bonjour Home Care, families typically combine private-pay hours with their LTCi reimbursement — Bonjour pays the caregivers; the carrier reimburses the family based on policy terms.
Related: About Olivia Roster · Bonjour pricing transparency · How a Bonjour engagement begins
Speak with Olivia at (908) 447-4896 for a private consultation about Bonjour Home Care.
Speak with Olivia at (908) 447-4896 for a private consultation about Bonjour Home Care.