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The LTC company will have a form for you to use to set up direct deposit.
Some agencies will not even submit the claim paperwork for you. Instead you have to get the invoice and work notes from them and submit them to the LTC company yourself. That is a lot more paperwork for me so I avoid using those agencies if I can help it. And yes, some agencies require that you have a credit card associated with your account. They want to make sure they get paid. Much like most gyms do if you have ever belonged to one. The agency I am currently using does not require that and they file the claims for me.
Hope this help..
Helping Hands Nurses
Her current facility had an ownership changeover a few months ago and got behind on billing so that Genworth was into us for about three months. I learned that it was a very simple thing to just upload my copy of the bill into Mom's portal on Genworth's website, so that's what I do every month when I get the bill. It takes all of five minutes, and most of that is hunting for my password. If the facility also sends the bill, Genworth only pays once for the days of service.
The second agency offered both credit card or direct from insurance payment.
It might be easier for the agency to accept payment from insurance once someone has had their claim approved and has begun collecting from the policy.
If the card is paid in full every month, the rewards program can be a good deal with one of the 2% cash back programs.
Note that there may be miscellaneous fees that the insurance doesn’t cover. One agency had a small short shift fee if you only needed a 3 hour shift.