Short Term Care Insurance Plan

Short Term Care Insurance Plan  

Overview

People commonly assume that Medicare will cover the entire expense for skilled home care assistance. Unfortunately, it doesn’t. Comfort and peace of mind are essential when you’re recovering from an injury or illness. There’s no better place to be than in the comfort of your own home. That’s why we offer MOAA members the opportunity to purchase a Short-Term Care policy.

 

Recovering from major surgery takes longer than you may think. Hip replacement recovery time is an average of 4 to 6 weeks. Knee replacement can be as long as three months to resume most common daily activities.

 

You don’t have to stay in a care center. Instead, with our short-term care plan, you can get the care you need at home. Benefits are paid in addition to any other health care coverage, including Medicare and TRICARE. You decide how you spend them, however, the benefits and premiums for these plans will vary based on the plan options selected.

 

Short-Term Care vs. Long-Term Care

 

While both short-term and long-term care aim to provide essential assistance during periods of illness or injury, they serve distinct purposes tailored to different needs. Short-term care typically focuses on recovery and rehabilitation following a specific event, such as surgery or acute illness, with the goal of restoring independence and returning to normal activities.

 

Long-term care often involves assistance with activities of daily living, such as bathing, dressing, and meal preparation, and may be necessary due to age-related decline, chronic illness, or disability. Understanding the differences between these types of care can help individuals and families make informed decisions about planning for their future healthcare needs.

 

Please reach out to our team at 1-800-247-2192 if you are unsure whether you need long-term or short-term care plans. Our team is dedicated to guiding you through available options and providing exclusive discounted group rates tailored to your situation. Our agents will help you find the best solution that fits with your current life insurance policies or annuities. If you aren't sure this product is right for you, take the time to consult with your family or executor before calling to enroll. 

 

This plan may not be available in all states.

Call Us Today

 

1-800-247-2192

 

 

Short-Term Care Call Back Request

 

REQUEST A CALL BACK

FAQs

Answers about the program, including eligibility, options, customer service and more.
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  • What is short-term care coverage?
    Short-term care coverage provides temporary assistance for individuals recovering from injuries or illnesses, allowing them to receive skilled care in the comfort of their own homes. This type of coverage is in addition to what is currently covered by Medicare.

  • Who is eligible for short-term care coverage?
    Eligibility for short-term care coverage typically includes individuals recovering from surgery, illness, or injury who require temporary professional care or assistance. Care can be provided at home or certain facilities. Specific eligibility criteria may vary based on the plan selected.

  • What does short-term care typically cover?
    Short-term care coverage may include services such as skilled nursing care, physical therapy, occupational therapy, and assistance with activities of daily living during the recovery period. Short-term care is valuable in the case of unexpected accidents, injury, or illnesses with an expected recovery period of a few weeks to a few months.

  • How are benefits paid out under short-term care coverage?
    Benefits under short-term care coverage are typically paid directly to you, giving you the flexibility to decide how to use the funds. This can include paying for medical expenses, hiring caregivers, or covering other costs associated with your recovery.

  • How long does short-term care coverage last?
    The duration of short-term care coverage varies depending on the individual's needs and the specific plan selected. Coverage typically ranges from a few weeks to a few months, catering to the duration of the recovery period for common procedures like hip or knee replacements.

  • Is short-term care coverage separate from Medicare?
    Yes, short-term care coverage is separate from Medicare. While Medicare may cover certain medical expenses, it often does not provide comprehensive coverage for skilled home care assistance, leaving individuals responsible for out-of-pocket costs. Short-term care coverage is an ideal way to cover the gap between what Medicare or health insurance will cover when it comes to recovering from a major health event. Other policy options include Short-Term Recovery and Long-Term Care policies. To learn which supplemental insurance is best for you, please call 1-800-247-2192.

  • Is short-term care the best coverage option for me?

    Our team is dedicated to guiding you through available options and can help you find the best solution that fits with your current life insurance policies or annuities.

     

    If you aren't sure this product is right for you, take the time to consult with your family or executor before calling to enroll.

Contact Us

 

 Phone
1-800-247-2192
 Hours
 M-F 7:30a-6p CT

 

 

 

 

 

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