Short Term
Health Care
Affordable in-home health care coverage if you become disabled.
Simplified Issue: 4 Questions
- Your Care, Your Home
- Prescription Reimbursement
- Affordable Coverage
One of the biggest challenges I deal with in Short-Term Health Care and Long-Term Care is that people wait until it’s too late to apply.
Of those aged 50 years or older, 70% would prefer in-home care, a new survey by Cross Country Workforce Solutions Group found.
Home Health Care Coverage
In Home Health Care
Maximum Benefit Period: 360 days
Home Health Aide: 120 days
Additional Riders Generally Found In Short-Care Health Plans
Hospital Confinement Benefit Rider: 3, 6 or 10 days
Home Health Aide: Adds 60 extra days of in-home care
Ambulance: 4 trips per year / Max 12 Lifetime
Severe Accident & Accidental Death: Lump sum benefit for accidental injuries or death.
Short-Term Health Care Premium Quote
Disclaimer: Estimates shown are for illustration purposes only. Please consult an agent or carrier for final rates and eligibility as rates are subject to change.
Case Study: Short-Term Health Care for a 60-Year-Old
Background
John, age 60, is still working full-time and plans to retire in a few years. He’s generally healthy but knows that an unexpected accident or illness could disrupt both his lifestyle and finances.
The Situation
John was involved in a car accident that left him with multiple injuries, including a fractured shoulder. After a short hospital stay, his doctor certified that he was unable to perform two Activities of Daily Living (ADLs) — dressing and bathing without assistance. Based on this certification, John qualified for 7 weeks of in-home health care. A home health aide came to his house 5 days a week while his wife was at work, and he also received rehab therapy 3 days a week.
The Costs Without Coverage
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Home health aide: $150 per visit (5 visits/week × 7 weeks = $5,250)
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Physical therapy/rehab: $200 per visit (3 visits/week × 7 weeks = $4,200)
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Total out-of-pocket cost: $9,450
The Coverage With a Short-Term Health Care Policy
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John’s policy provided up to 120 days of in-home care
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Both aide services and therapy visits were fully reimbursed
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His out-of-pocket responsibility was $0
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He also received RX reimbursement during recovery, further offsetting his annual premium
The Outcome
Thanks to the coverage, John was able to recover comfortably at home with professional support, avoid thousands of dollars in unexpected expenses, and return to work with his finances intact.
Why People Choose These Plans!
Health Care Meets You In the Home
Care that comes to you, keeping you comfortable at home and out of expensive facilities
Home Health Aid
Personalized help with daily activities, giving you and your family peace of mind during recovery.
RX Reimbursement
Receive cash back for your prescriptions. Yes, sometimes even more than your annual premium.
What to Expect: Short Term Health Care Policy
Step 01
Discovery Meeting
We’ll meet to discuss your goals and explore whether adding a short-term care policy makes sense as part of your overall portfolio.
Step 02
Start Underwriting
You’ll answer 4 questions via phone interview or e-link health questionnaire. The insurance company may also request medical records or an exam to determine your rating class.
Step 03
Final Offer & Decision
Once underwriting is done, you’ll receive an offer from with the approved rate. You decide whether or not to purchase the policy, there’s no obligation to move forward.
Personalized Care In The Comfort Of Your Home
Speech Therapy
Assistance with communication, speech, and swallowing difficulties.
Respirational Therapy
Specialized care to support breathing and lung function.
Chemotherapy
In-home administration of cancer treatment under medical supervision.
Skilled Nursing Care
Professional medical care provided by licensed nurses for complex health needs.
General Nursing Care
Ongoing support with daily health monitoring and basic medical assistance.
Physical Therapy
Exercises and treatments to improve strength, mobility, and recovery after injury or illness.
This coverage does not include out-of-home services such as assisted living facilities, nursing homes, or hospital stays. It only applies to in-home health care once you have qualified with a cognitive impairment or the inability to perform at least two Activities of Daily Living, as certified by a doctor.
What Short Term Health Care Is!
Coverage that pays for care in your own home once you qualify (doctor certification of cognitive impairment or 2 ADLs).
A plan designed for short recovery periods (illness, injury, or surgery).
Flexible protection that can work alongside Medicare or other insurance to fill gaps.
Includes options such as Home Health Aide Benefit Riders and RX Reimbursement to help offset costs
What Short Term Health Care is Not!
Not a substitute for major medical insurance.
Not coverage for assisted living facilities, nursing homes, or hospital stays.
Not designed for long-term custodial care.
Not a plan that pays cash directly for any expense — it only reimburses covered home health care services once eligibility requirements are met.
Not a replacement for long-term care insurance — these policies are limited and do not extend beyond 360 days of coverage.
Frequently Asked Questions
What is the maximum coverage period for Home Health Care?
Typical plans provides coverage for up to 360 days of home health care services.
Do these policies cover services outside the home?
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.
What conditions must be met to qualify for benefits?
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).
Can the prescription drug reimbursement be more than my annual premium?
Yes, depending on the policy and how many prescriptions you fill, your reimbursement benefits could exceed the total premium you pay for the year.
Who is most likely to benefit from this coverage?
People who want the option to recover at home, rather than in a facility, and who want added protection against unexpected care costs.
Can these types of policiese be combined with other types of insurance?
Yes. This plan can work alongside other health insurance or Medicare, helping cover gaps in care for short-term recovery at home.
What are Activities of Daily Living (ADLs)?
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.