UnitedHealthcare Assisted Living Plan
Sometimes, despite best intentions and desires to live independently, beneficiaries have to rely on assisted living institutions to best provide their loved ones with the healthcare and services that they need. These institutions can be prohibitively costly, which puts more stress on an already often-difficult decision for beneficiaries or their loved ones to make. This is why the ISNP exists – the ISNP is an institutional special needs plan. These plans provide insurance coverage for beneficiaries who will need, for a period of 90 days or longer, care that exceeds what a reasonably skilled nursing facility or an inpatient intermediate care facility. Marketing of the UnitedHealthcare Assisted Living Plan is an exclusive offer with us!
Major insurance carrier UnitedHealthcare has released an ISNP called the UHC Assisted Living Plan. It is a five-star Medicare Advantage PPO (preferred provider organization). Beneficiaries can be eligible for this plan if they are in assisted living facilities, independent living, congregate housing, and memory care units. Even those receiving care at home qualify. It is also available to dually enrolled beneficiaries.
The ISNP is meant to assist those who need help with what are known as the “activities of daily living,” which include housekeeping, food preparation, money management, transportation, or medication management and administration. UnitedHealthcare’s ISNP has a clinical component that other ISNPs lack – there will be a physician’s assistant, nurse practitioner, or nurse on site to provide care to members of the plan at no additional cost to the beneficiary. This is beneficial for the facilities as well as the beneficiaries. It increases the average stay of the beneficiary by six months while increasing the quality of care at the same time.
United HealthCare contracted (Wellsky) as a third party. Wellsky conducts a phone assessment to determine eligibility.
In order to sell this plan, agents need to complete an additional certification and training. Exclusive training will familiarize agents with all the components and properly represent the benefits of this ISNP.
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