Satisfy the elimination period

There is typically a set period of time, defined in your policy, when John Hancock will not pay for expenses incurred. You will be eligible for reimbursement when you receive care for a certain number of days and/or dollars after you meet the benefit eligibility criteria.

Invoice submission during the elimination period

Please note — invoices supporting these costs may need to be submitted so the service dates can be credited. Services covered by Medicare may count toward your elimination period. It is recommended that you submit invoices within 30 days of receiving these services.

The requirements of the elimination period (e.g., length, dollars spent, etc.) vary widely based on the type of policy you have and the options you selected at time of purchase. Some services can be reimbursed during the elimination period, so we recommend that you review this section of your policy closely to understand your coverage's specifics.

Medicare charges: If your LTC policy requires that your expenses are incurred to meet the elimination period, you may be able to receive credit for covered services that are paid by Medicare. You will need to provide copies of the MEDICARE UB04 forms and submit those for review. The UB04 form is a document care providers use to submit charges to Medicare. You may not always receive this documentation, so let care providers know right away that you will need copies of the UB04 statements. A Medicare Explanation of Benefits does not contain the detail needed to apply credit to the elimination period.