My sister and I manage an elderly in-home care/nursing home policy for our mother. On paper, it's a good policy. It was originally written 25 years ago by MetLife, and this type of policy is no longer offered today. We pay the nursing home, and Brighthouse reimburses us. Currently, problems occur nearly every month due to Brighthouse not reimbursing us in a timely manner. They have a 20-business-day reimbursement window once they receive invoices from the nursing home. The nursing home CCs us when they send the invoices to Brighthouse, so we know when the 20-business-day window begins. If Brighthouse doesn't acknowledge, record, or worse, claim they don't have the invoices, the 20-business-day window can spill over into the following month. This creates a cash flow problem where we end up financing a large corporation. Not good. So, we call and ask what's going on, when we should expect reimbursement, etc. The third-party person on the phone, while nice enough, has no authority to rectify any problems. They repeat corporate policy and tell you they'll make a note of your complaint or suggestion. So, if you're researching insurance companies, I would suggest finding out any reimbursement time frames and whether you can actually speak directly to someone who works at the company, including their name and phone number. Good luck.