Comprehensive care for complete peace of mind.

The cost of long-term care can be staggering and unpredictable. Lakewood at Home trades the unknown costs of care for the known costs of the program — protecting your hard-earned assets and furnishing peace of mind knowing you’ll never be hit with catastrophic long-term care costs. Watch our explainer video to see how it works.

Membership Services

Lakewood at Home offers members access to the care and services they need to age in place at home. Personal care, companion services, assisted living, memory support and skilled nursing care are all covered by the program. It’s a comprehensive plan that covers not only the cost of care, but also manages and coordinates services as soon as you need them.

Lakewood at Home Services

The knowledgeable care coordination team will facilitate needed services to help you stay in your home and continue living as independently as possible. Some of the program’s services include:

  • In-home assessment and recommendations for preparing your home to safely age in place
  • Wellness programs to help you stay healthy and independent
  • Personal care, such as assistance with bathing and dressing
  • Up to $1 million of coverage for long-term care services such as assisted living, memory support and skilled nursing provided either at home, the Lakewood campus or another facility of the member’s choosing
  • Dedicated care coordination to help navigate changes in needs and advocate for the best possible outcomes at every step

Taking the guesswork out of arranging services.

Lakewood at Home members benefit from having a knowledgeable care coordinator in their corner. The experienced care coordination team manages and coordinates services as needed, so you don’t have to deal with phone calls, paperwork, or vetting potential home care providers. Whether you’ve got the flu, are recovering from surgery, or simply have a question about the care you may need, help is just a phone call away.

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. Lakewood at Home’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.

Membership in Lakewood at Home is available to individuals ages 55 and over residing in the Richmond, Va., area who are currently healthy and independent and who wish to age in place.

With Lakewood at Home, 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. Lakewood at Home not only covers the cost of care, but 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, Lakewood at Home allows you to access services as soon as you have difficulty with one activity of daily living.

Medicare and/or supplemental insurance may cover some of the initial costs when recovering from an injury or illness related to a hospital stay. However, when an individual requires custodial long-term care, most of the costs are paid for privately and aren’t covered by Medicare or supplemental insurance. Medicaid does cover some long-term care costs, but is available only when a person has spent down the majority of their financial assets, typically leaving them with $2,000 or less.

Yes. Lakewood at Home plan options are available that blend with your existing long-term care insurance policy.