Coverage & Reimbursement Options.
Luka Bear is assistive technology that supports independent living — it can help older adults stay engaged, on routine, and living at home. Multiple coverage pathways — from HSA/FSA to VA benefits to Medicaid self-direction. Several require documentation only, with no clinical metrics. Join the waiting list first and explore which option fits your situation while you wait.
How to get Luka Bear — simple, fast, and month-to-month.
This short video explains how a demonstration works, personalization, payment options and documentation support days.
Watch the video first, then review the coverage options below to see which pathway may fit your family.
Eldercare Robotics does not bill insurance companies or government programs directly. Families and caregivers pay for Luka Bear and then submit their invoice and supporting documentation to their program or insurer for reimbursement. We provide all required documentation. Reimbursement depends on the individual’s policy, plan, or program approval.
Join the waiting list first. Explore which option fits your situation while you wait — we guide you every step of the way.
Fastest Pathways — No Clinical Metrics Required
These pathways require documentation only — no clinical outcomes data, no research metrics. Approval is based on medical necessity, functional need, or plan-of-service criteria.
| Pathway | Who it covers | How to use it / Key notes |
|---|---|---|
| 🏦 HSA / FSA | Anyone with an HSA or FSA | Pay with HSA/FSA card at checkout or submit invoice for reimbursement. Physician Letter of Medical Necessity (LoMN) recommended. Limit: $3,850–$7,750/yr (IRS). Fastest — often same day. ✓ Start today — no coordination required |
| 🏦 Dependent Care FSA (DCFSA) | Employed caregivers with dependents | If the care recipient qualifies as a dependent, DCFSA funds can cover Luka. Limit: up to $5,000/yr through employer benefit plan. Submit invoice to plan administrator. ✓ Via employer benefits portal |
| 📄 Long-Term Care Insurance | LTC policy holders | Many LTC policies cover assistive eldercare companion devices under Alternate Plan of Care. We provide invoice, product brief, and supporting documentation. Coverage varies by policy. ✓ We provide all documentation |
| 🎖️ VA PCAFC Caregiver Stipend | Veteran caregivers enrolled in PCAFC | Caregivers already receiving the monthly PCAFC stipend can apply it directly to Luka Bear. No new approval needed — it is an unrestricted cash benefit. 57,000+ caregivers currently enrolled nationally. ✓ No new approval — use stipend directly |
| 🎖️ VA Aid & Attendance Pension | Veterans with A&A pension | A&A pension is an unrestricted monthly benefit. Veterans or their families can use it to pay for Luka directly. We provide product documentation if needed. ✓ Unrestricted benefit — use directly |
⭐ Where to Start — Fastest Pathways Ranked
Virginia CCC Plus — AT Category
Assistive Technology pathway under CCC Plus Waiver. Prior authorization through member’s MCO (Aetna, Anthem, Humana, Sentara, or UHC). Provider enrollment in progress; billing specialty pending DMAS approval. Contact us to initiate.
DC Services My Way
Most flexible entry in the region. Three approval paths run simultaneously — whichever clears first wins. No single gatekeeper. Most flexible spending authority in the region.
Maryland CFC Self-Direction
Structured but highly repeatable. Best for institutional scale. Requires 2 vendor quotes + ADL documentation + Plan of Service. Limit: $15,780 / 3-yr cap.
How to Get Started with Any Pathway
We identify which pathways apply to your state and situation — and which ones are fastest for your specific circumstances.
Invoice, product brief, Letter of Medical Necessity template, Active Compliance Portfolio v2.1, and pathway-specific support letter — whatever your program or insurer requests.
We coach you through the process and answer any questions from the reviewer. You never navigate this alone.
Medicaid Pathways Requiring Care Manager Coordination
These pathways take 4–12 weeks and require coordination with your Medicaid care manager or supports planner. Each is at a different stage of provider enrollment. Contact us before initiating to confirm current status for your state.
| Pathway | Who it covers | Notes |
|---|---|---|
| 🏛️ Virginia CCC Plus — AT Category | Virginia Medicaid (CCC Plus) recipients | Assistive Technology category under CCC Plus Waiver. MCO care manager submits prior authorization request. Provider enrollment in progress; billing specialty pending DMAS approval. Coverage inquiry active with DMAS. Limit: $5,000/yr. Contact us before initiating. |
| 🏛️ Maryland CFC (1915k) / Self-Direction | Maryland Medicaid (CFC) recipients | Provider enrollment pending — policy review with Maryland OLTSS in process. Contact us before pursuing this pathway. Estimated Q3 2026. Annual limit: $15,780. |
| 🏛️ DC Services My Way (EPD Waiver) | DC Medicaid (EPD Waiver) recipients | IDGS vendor registration with GT Independence in process. Estimated available July 2026. Contact us at info@eldercarerobotics.net to confirm status before submitting your service plan. |
Claims-Based Pathways
These pathways require light supporting evidence — engagement data, caregiver burden scores, or respite hours. No clinical trial needed. The Caregiver Impact Portal (portal.lukabear.org) collects this automatically through brief weekly caregiver check-ins.
- GUIDE Model (CMS Innovation) — $2,500/participant/year. National. Caregiver burden, respite hours, engagement data.
- PACE / LIFE Programs — Capitated budget. National. Cost vs. aide hours, engagement data.
- Medicare Advantage Supplemental Benefits — Varies by plan. National. Loneliness score, engagement data.
- MCO In-Lieu-of-Services (MD MCOs) — Per MCO approval. Maryland. Cost comparison, functional outcomes.
- PA CHC Participant Direction — Pennsylvania. Participant-directed budget via CHC MCO.
- NY CDPAP / NHTD / TBI Waivers — New York. Participant-directed; functional need documentation.
- AAA / NFCSP (National Family Caregiver Support) — $500–$2,000/case. National. Caregiver burden evidence.
- Lifespan Respite Programs (MD/VA/DC) — $500–$3,000/year. Respite hours gained, caregiver burden score.
- Caregivers complete brief weekly check-ins — the portal generates the evidence reports automatically
- Outputs include caregiver burden scores, respite hours logged, and engagement summaries
- Reports are formatted for submission to each specific pathway — no extra work required
- Evidence accumulates over time and strengthens with each check-in
Advanced & Grant-Level Pathways
Caregiver Impact Portal — portal.lukabear.org
The Caregiver Impact Portal builds reimbursement documentation automatically. Caregivers complete brief weekly check-ins; the portal generates pathway-specific evidence reports, outreach briefs, and outcomes dashboards that support documented coverage pathways — from zero-metrics Tier 1 submissions to Tier 4 grant applications. Activity data from the Caregiver Companion App — remote reminders delivered, engagement sessions initiated, and alert events — feeds the weekly check-in evidence automatically, strengthening submissions with no extra work for the caregiver. Detailed pathway breakdowns and submission templates available behind portal login.
Visit portal.lukabear.org →Not sure which tier applies to you?
Contact us and we will identify the fastest realistic pathway for your state and situation — and tell you exactly what documentation you need.
Many families already have funds set aside for healthcare through an HSA or FSA. Luka Bear may be eligible as an assistive eldercare companion and caregiver support system — allowing you to use these funds for daily support at home.
You may qualify if you:
How it works
Join the waiting list
We deliver and set up Luka Bear in your home, or ship it directly depending on your location. No payment required to start.
No payment neededExperience Luka at home
See how Luka supports daily routines, reduces caregiver stress, and engages your loved one. This is your moment to decide if Luka is right for your family.
Submit your HSA / FSA claim
Use the invoice we provide to apply through your provider’s portal — HealthEquity, Optum, WEX, or similar. Upload the invoice and submit.
Takes a few minutesDecide at any time
Continue with Luka — with or without reimbursement — or return it. No obligation. Reimbursement may still be in progress after Luka arrives, and that is completely normal.
- Eligibility depends on your specific HSA or FSA plan
- Most providers respond within 1–2 weeks, though some may take longer
- Some providers may request simple confirmation of your loved one’s diagnosis — we will help you with that
- You can also pay directly with your HSA debit card at checkout — no reimbursement step needed
- Dependent Care FSA (DCFSA) may also apply if the care recipient qualifies as a dependent — up to $5,000/yr
Ships anywhere in the United States, with in-person setup in MD, VA, DC and PA, and setup over a video call everywhere else.
Join the waiting list — explore HSA/FSA while you wait
No payment, no deposit, no commitment. Ships nationwide; in-person setup in MD, VA, DC and PA, and video-call setup everywhere else. If Luka is not right, we schedule free pickup.
If your loved one has a long-term care insurance policy, Luka Bear may be eligible as an assistive eldercare companion and caregiver support system under Alternate Plan of Care provisions.
You may qualify if your loved one:
How it works
Join the waiting list
We deliver and set up Luka Bear in your home, or ship it directly depending on your location.
Experience Luka at home
See how Luka supports daily routines, reduces caregiver stress, and engages your loved one from the first week.
Check your coverage
Contact your insurance provider or case manager and ask if assistive care devices or caregiver support tools may be covered under your policy.
Do this earlyWe provide documentation
We supply a clear invoice and a support letter describing Luka as an assistive eldercare companion and caregiver support system — materials your provider may request during review.
Decide at any time
Continue with Luka regardless of reimbursement timing, or return it. LTC review timelines can be long — that is normal, and Luka is month to month throughout.
- Coverage depends on your specific policy — not all LTC policies are the same
- Some plans may require a care assessment or have a waiting period before benefits begin
- Reimbursement timelines vary and may take several weeks
- We guide you through the documentation process at no additional cost
- Your case manager is your primary contact — we support you with everything they ask for
Join the waiting list — contact your LTC provider while you wait
We provide helpful documentation for your insurance provider. Your case manager or insurer may request additional policy-specific information.
Luka Bear may be included in care plans through Medicaid self-direction programs such as Maryland CFC, Virginia CCC Plus, DC Services My Way, Pennsylvania CHC, and New York CDPAP. These pathways require coordination with a care manager or supports planner — we cannot bill Medicaid directly, but we provide all required documentation.
This may apply if your loved one:
How it typically works
Talk to your care manager or supports planner
Ask about including an assistive technology or caregiver support device in your loved one’s plan of service or personal budget.
Contact us to discuss your situation
We provide documentation describing Luka’s role in supporting daily living, safety, and caregiver assistance — tailored to what your program requires.
Luka may be included in the care plan
Once approved through the program, Luka Bear can be covered through the existing Medicaid budget — no direct billing required from your family.
Timeline varies by program and state- Maryland CFC (1915k): requires ADL/IADL documentation + 2 vendor quotes + Plan of Service. Annual limit $15,780.
- Virginia CCC Plus: Assistive Technology category — MCO prior authorization required. Contact your CCC Plus care manager. Provider enrollment in progress; billing specialty pending DMAS approval. Limit $5,000/yr.
- DC Services My Way: three parallel entry paths — whichever clears first wins. Most flexible in the region.
- PA CHC and NY CDPAP / waivers: participant-directed; coordinate with your MCO or care manager.
- We cannot bill Medicaid directly — families submit through their program using our documentation.
Not sure if Medicaid applies to your situation?
Contact us and we will give you an honest answer about whether this pathway is realistic for your loved one’s specific program and state.
Medicaid Provider Information
For case managers, service authorization staff, and Medicaid members verifying our enrollment.
Enrollment Details
| NPI Type 2: | 1013844018 |
| EIN: | 99-5116436 |
| VA Medicaid Provider ID: | 30018605100001 |
| Base ID: | 3001860510 |
| Provider Type: | Waiver Services (Atypical) |
| Effective Date: | 5/11/2026 |
| Specialties pending: | Non-clinical Assistive Technology and Electronic Home-Based Supports (EHBS) — pending DMAS approval |
Billing Codes
Applicable billing codes are being finalized with the Virginia Department of Medical Assistance Services (DMAS).
Active State Enrollment Pipeline
- ✓ Virginia Medicaid — enrolled 5/11/2026 (Provider ID 30018605100001), specialties pending
- ⏳ Maryland Medicaid — ePREP Application 26578J88 submitted 5/5/2026
- ⏳ Pennsylvania PROMISe — application submitted 5/16/2026, pending review
- ⏳ DC Medicaid — engagement in progress
Frequently asked questions
Honest answers about coverage, timing, and how the process works.
Not sure which option is right? We will help.
Join the waiting list and let us help you identify the fastest coverage option for your family’s situation. No pressure, no obligation.
Questions? Email info@eldercarerobotics.net or call (413) 296-LUKA
© 2026 Eldercare Robotics LLC · All rights reserved · Rockville, Maryland
© 2026 Eldercare Robotics LLC · All rights reserved · Rockville, Maryland