What are alternate care facilities and independent providers, which are covered by the plan?
An alternate care facility is one that provides 24-hour care and qualified long-term care services sufficient to support your needs if you are chronically ill. The facility must be licensed or accredited by the appropriate agency to provide such care, if licensing or accreditation is required by the state in which care is received. This includes most assisted living facilities. Independent provider care consists of care or services provided by a paid caregiver in your residence or wherever care is provided, except a hospital or nursing home. An independent provider is a person who is approved by John Hancock, the plan carrier, as being able to provide maintenance and personal care services at your home and provides qualified long-term care services as a business.
