Thursday 29th of September 2016 06:07:45 AM
My husband died with United of Omaha, which is one of the Mutual of Omaha thing. They were one of the few insurance places that did not put me through endless paperwork wherein it was all handled with a phone call. GoldenCare is through Mutual of Omaha as well and we had a positive experience with them where everything was handled with well. I got GoldenCare a little more than a year ago and just got a note through the Nurses Association after the first year saying that some benefits had been increased without an increased premium, so that was good news. It said, "Mail the card back if you’re interested in long-term care," so I did and then got a call from Stephanie. She was the person the card went to evidently. We talked about what I wanted and what my plans were when I could no longer live at home. She then suggested GoldenCare as the best option for me and I knew things would be handled without putting through unnecessary misery. I consented to have them look at medical records. They also had a nurse come out and put me through the interview. As a result of an MRI that showed some spinal stenosis, I had to pay the first 90 days. It was a one-day time thing, which would have been waivered had that not evidently been there. We went with the plan that eliminated that waiver. Other than that, it was the same thing pretty much that we had discussed. It would pay for care in the home for as long as I can. But it will cover the inpatient situation too because we’d all get there eventually. Stephanie was very helpful and nice. She would listen and if I have a question, she would answer. She also gave me alternate names just in case I needed to talk to someone for whatever reason she wasn’t available. There was a lot of back and forth over several phone calls. There was an issue at one point with the wrong social security number going on the policy and she worked with me to get that corrected. I said I wanted something in writing, stating that it had been corrected and she worked with them to get me that so that things could go forward and wouldn’t all go in under the wrong social which would have been a disaster.There is peace of mind there knowing that one more piece is taken care of so that when the time comes all we’d have to do is make a phone a call and start the process. And then, GoldenCare kicked and of course as time went on, there’d still be portions of it that I have to pay because these things always go up. Right now, my plan is to go into one of those nice little villas. Like my mother, she and my dad started out in an independent living apartment and they were at a place where she could graduate to assisted living, and then into the nursing home towards the end of her life. My son would take over with bill paying when I can’t do it and the rest would be nursing care and a little housekeeping services at some point. I’d recommend GoldenCare.