01
HSA / FSA & Dependent Care FSA
Tax-advantaged accounts: HSA, FSA, and DCFSA with the fastest self-administered reimbursement path.
Typical speed: Days - zero waiting
Documentation Library
Submission Templates, Briefs, and Pricing Logic
Use this library to move from pathway selection to a clean submission package. Templates support the formal paperwork. Outreach briefs explain the contact strategy, pricing fit, and what to say before the first conversation.
How to Use This Library
The workflow is the same across the portal: choose the pathway, open the matching brief if one exists, gather the right template set, then submit with the correct pricing and evidence package.
| Step | What to Do |
|---|---|
| 1. Choose pathway | Use the 51-pathway reference or the Easy-Pass page to identify the payer, waiver, grant, or consumer route. |
| 2. Open the brief | Use the pathway-specific outreach brief for contact strategy, pricing fit, messaging, and required documents. |
| 3. Match the templates | Select the correct LMN, justification letter, care plan, quote, or cost-comparison package. |
| 4. Submit cleanly | Pair the correct pricing model, quote or invoice, and the right de-identified evidence support. |
Outreach Briefs
The briefs are the execution layer of the portal. They turn a pathway into an actual funding conversation by explaining how the route works, how Luka should be priced, who to contact, and what pilot evidence to reference.
02
LTC Insurance - Alternate Plan of Care
Long-term care insurance APC positioning, documentation package, and insurer cost-savings framing.
Typical speed: 4-8 weeks
03
Virginia CDS
Consumer Directed Services under CCC Plus with PPL and family-controlled Medicaid budget logic.
Typical speed: 4-8 weeks
04
DC Services My Way
Individual-Directed Goods & Services under the DC EPD Waiver with three parallel entry paths.
Typical speed: 4-8 weeks
05
State AT Programs
Maryland, Virginia, DC, and Pennsylvania assistive technology grant and device-loan pathways.
Typical speed: 2-4 weeks
06
PA CHC Participant Direction
Pennsylvania Community HealthChoices consumer-directed pathway with service-coordinator gatekeeping.
Typical speed: 6-8 weeks
07
New York
NY CDPAP, TBI Waiver, NHTD Waiver, and NYSOFA outreach using the ElliQ precedent.
Typical speed: 2-8 weeks
08
VA Outreach Brief
PCAFC stipend, VA compensation, Aid & Attendance, and Veteran-Directed Care pathways.
Typical speed: Days-8 weeks
09
Maryland CFC
Community First Choice (1915k) pathway with POS, COMAR framing, and FMS/Own It strategy.
Typical speed: 6-10 weeks
13.1
LTC Insurance
Template set: Physician LMN + written care plan + cost comparison support
Built for Alternate Plan of Care requests, placement-delay support, and insurer-facing long-term care reimbursement packages.
- Use when the payer is a long-term care insurer or claims administrator.
- Supports physician letter, written care plan, and policy-specific cost framing.
- Pricing fit: Own It or one-time device framing is often strongest when compared against recurring aide hours.
13.2
Medicaid Self-Direction
Template set: Justification letter for self-direction, participant direction, and goods-and-services approvals
For participant-directed budgets, goods-and-services requests, and self-direction approvals where Luka Bear is framed as a substitute for human assistance or supervision hours.
- Includes Maryland CFC, Virginia CDS, DC Services My Way, PA CHC Participant Direction, and New York consumer-directed routes.
- Works best when paired with ADL/IADL support logic, quote support, and POS or PCSP language.
- Pricing fit: Own It for equipment purchase logic; Monthly Rental when the family is using an ongoing stipend or flexible monthly budget.
13.3
HSA / FSA / DCFSA
Template set: Letter of Medical Necessity + purchase support
For employer benefits, HSA administrators, and FSA reimbursement requests that need a physician-supported medical necessity statement and simple purchase documentation.
- Fastest direct consumer reimbursement path in many cases.
- Useful while larger payer or waiver routes are still in progress.
- Pricing fit: Own It is the cleanest default; DCFSA may also support recurring care-style spend in some cases.
13.4
Cost Comparison Reference Sheet
Reference set: Transamerica, Genworth, Mutual of Omaha, New York Life, and John Hancock policy language
Use when the payer needs economic framing, supervision-substitution logic, or insurer-specific policy wording to support approval.
- Most useful for LTC and insurer-facing reimbursement work.
- Strengthens aide-hour replacement and cost-effectiveness arguments.
- Designed to be used alongside the LTC package, not instead of it.
13.5
VA Pathways
Reference set: PCAFC stipend, Aid & Attendance, Veteran-Directed Care, and VA-connected outreach language
For veterans and veteran caregivers using stipend-driven, pension-driven, or veteran-directed routes that do not require a medical device claim.
- Strongest fit when the household already has access to a VA-connected benefit stream.
- Pricing fit: Monthly Rental for stipend-based cash flow; Own It when the family wants a one-time purchase from pension or benefit funds.
- Use the VA outreach brief first so the family knows which benefit bucket they are actually using.
13.6
New York Pathways
Reference set: CDPAP, NYSOFA, TBI Waiver, NHTD Waiver, and aging-system outreach logic
For New York families, agencies, and aging-system contacts using the state’s strongest AI companion precedent and consumer-direction routes.
- Best fit when using NYSOFA precedent, CDPAP consumer-directed budgets, or New York waiver goods-and-services logic.
- Pricing fit: Own It for procurement and one-time device requests; Monthly Rental when the family prefers ongoing budget flexibility.
- Pairs with the New York brief before any agency, waiver, or aging-office conversation.
What Stays Standalone
The full LTC Documentation Package stays separate for direct family use because it includes family-fill fields and a more submission-ready structure than the appendix view inside the guide.
What the Guide Still Covers
The guide remains the main source for pathway strategy, timing, privacy rules, and state-by-state playbooks. The dedicated Pathways, Easy-Pass, and Briefs pages are the faster execution views.
Pricing Reference by Pathway
| Channel | Best Pricing Logic | Why |
|---|---|---|
| HSA / FSA / DCFSA | Own It | Simplest reimbursement logic for consumer purchase and employer-benefit submission. |
| LTC Insurance APC | Own It or one-time device framing | Matches cost-comparison logic against ongoing aide hours. |
| Medicaid Self-Direction / FMS | Own It or Monthly Rental | Use Own It for equipment/device purchase; use Monthly Rental when the budget behaves like ongoing household support. |
| VA Stipend / Pension Routes | Monthly Rental or Own It | Depends on whether the family wants flexible monthly spend or a one-time purchase. |
| Facility Procurement | Own It | Most facility procurement workflows require a quote, invoice, purchase order, W-9, or vendor registration rather than a family-style subscription narrative. |
Need a purchase order, W-9, vendor registration, or invoice? The portal documentation set should support that facility or payer workflow without changing the de-identified evidence process.