Home Health Care

“Most people think financial planning is about money. It’s not. It’s about you. It’s about who you are and what’s important to you.”

What is it?

This Short-Term Home Health Care Insurance can help you cover deductibles and co-payments for home health care services. It also includes a Short-Term Home Health Care Aide Benefit, a Prescription Drug Benefit, policyholder access to Ask Mayo Clinic online, and a great set of riders for you to choose from.

How does it work?

Short-Term Home Health Care Insurance will pay a daily benefit for each day you receive a variety home health care services. Daily benefit amounts will vary by plan selected (maximum benefit period is 360 days). To qualify for benefits, a Licensed Health Care Practitioner must certify you as having a Cognitive Impairment or the inability to perform at least two (2) of six (6) Activities of Daily Living without substantial assistance (bathing, continence, dressing, eating, toileting and transferring).

How much will it cover?

Choose from 3 plan levels, A, B or C. This Short Term Home Health Care coverage will pay a daily benefit for each day you receive the following home health care services.

It includes:

The policy will pay a daily benefit for each day you require the services of a Home Health Care Aide. Daily Benefit Amounts vary by selected plan as shown here. Benefits are payable should you have an inability to perform two or more Activities of Daily Living or have a Cognitive Impairment. A prior hospitalization stay is not required. The maximum benefit period is 60 days.

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And it includes:

The policy will pay a benefit amount of $10 for each generic or $25 for each brand name prescription drug up to a policy year maximum of $300 for Plan A, $600 for Plan B or $600 for Plan C.

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And it includes:

A rider that will return all premiums you have paid minus benefits paid in the event of your death prior to attaining age 86. So you don’t “lose it if you don’t use it.”
Refer to the outline of coverage for details. (Not available in: MD, PA, TN)

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Why do I need it?

Because, like most Americans, you would prefer to recuperate at home. Benefits are paid directly to you to help cover deductibles and co-payments, regardless of any other insurance you may have. To collect the Short-Term Home Health Care benefits, a prior hospitalization stay is not required. You can even combine your Short-Term Home Health Care Benefits with other coverages like Dental & Vision or Ambulance benefits to enhance your coverage!

Contact us here to learn more about this Home Health Care coverage.