Health and Wellness with AgeSmart

Continuing Care at Home is an innovative program that integrates asset protection and care coordination to allow older adults to stay at home while they age and access needed services in their homes. Living well is emphasized with a proactive approach to social, educational, and engaging programming being made available to members in addition to regularly scheduled contact with the personal care coordinator. AgeSmart’s continuing care at home program is a long-term care option operated by LifeSpire of Virginia, a not-for-profit organization that serves seniors with respect and integrity. This program is available for healthy and independent adults who wish to remain in their homes as they age.

With AgeSmart, you have access to a care coordinator the day you become a member of our program. Long-term care insurance is mainly used to offset a portion of your financial exposure if you need future care; it’s not responsible for managing or providing services. AgeSmart not only covers the cost of care; it also manages and coordinates services for each member as soon as needed. Even with insurance, you may be required to cover a large portion of out-of-pocket costs if care needs become extensive. In addition, the requirements to be eligible for long-term care insurance benefits can be complicated and restrictive. Generally, with long-term care insurance, you must experience multiple deficiencies with your activities of daily living before you become eligible to receive benefits. In contrast, AgeSmart allows you to access services as soon as you have difficulty with one activity of daily living. Long-term care insurance often comes with a 90-day elimination period before benefits are paid. The AgeSmart program has no elimination period, so members can begin using their benefit as soon as a care need arises.