360 days
Maximum Benefit Period
Select your age, plan, household discount eligibility, and optional riders to build an estimated monthly premium. The estimate updates automatically as you change your selections.
One of the biggest challenges I see with Short-Term In-Home Health Care and Long-Term Care is that people often wait until it’s too late to apply.
Care that comes to you, keeping you comfortable at home and out of expensive facilities
Personalized help with daily activities, giving you and your family peace of mind during recovery.
Receive cash back for your prescriptions. Yes, sometimes even more than your annual premium.
Assistance with communication, speech, and swallowing difficulties.
Specialized care to support breathing and lung function.
In-home administration of cancer treatment under medical supervision.
Professional medical care provided by licensed nurses for complex health needs.
Ongoing support with daily health monitoring and basic medical assistance.
Exercises and treatments to improve strength, mobility, and recovery after injury or illness.
Typical plans provide coverage for up to 360 days of home health care services.
No. Coverage only applies to in-home health care once you qualify due to cognitive impairment or the inability to perform at least two Activities of Daily Living, certified by a doctor. It does not cover assisted living facilities, nursing homes or hospital care.
You must be certified by a physician as having a cognitive impairment or needing help with at least two Activities of Daily Living (such as bathing, dressing, transferring, toileting, incontinence or eating).
Yes, depending on the policy and how many prescriptions you fill, your reimbursement benefits could exceed the total premium you pay for the year.
People who want the option to recover at home, rather than in a facility, and who want added protection against unexpected care costs.
Yes. This plan can work alongside other health insurance or Medicare, helping cover gaps in care for short-term recovery at home.
ADLs are the six basic tasks people need to manage daily life independently: bathing, dressing, eating, transferring (moving in/out of a bed or chair), toileting, and continence.
Insurance policies often use ADLs to determine eligibility for benefits. For example, coverage may begin if you are unable to perform two or more ADLs without assistance.
This Short-Term In-Home Health Care Quote and the information on this page are provided for general educational purposes only. They are not a policy illustration, insurance contract, or individualized legal, tax, medical, or insurance advice. Premiums, benefit availability, underwriting, eligibility, benefit triggers, riders, limitations, exclusions, reimbursement amounts, and policy terms vary by carrier and policy and can change. Actual coverage is determined by the applicable policy and carrier. Review the policy documents and confirm your specific situation before making a coverage decision.