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your Long & Short term Care
Short Term Care
Short Term Care
Short Term Care
Affordable, immediate coverage to bridge the gaps that Medicare leaves behind.
Many people assume that Medicare or traditional health insurance will cover help around the house or an assisted living stay if they get sick or injured. Unfortunately, it doesn't. Traditional health plans cover only medical care, leaving you to pay out of pocket for daily assistance.
- Home health care (including paid aides or, in some policies, friends and family)
- Assisted living facilities
- Nursing homes and skilled nursing facilities
- Adult day care and hospice care
LONG TERM CARE
Short Term Care
Short Term Care
Long-term care encompasses the expenses associated with daily support in your residence.
Long-term care services include meal preparation at home, grocery shopping, assistance with personal hygiene, dressing, and grooming, as well as round-the-clock care.
- Trusted Coverage for 30-79
- Home Care Support
- Various benefits to assist individuals in remaining at home for as long as possible
- Comprehensive Care
- Hospice Care, Nursing Home, Stay-at-Home Benefits, Adult Day Care, Assisted Living, and More!
Short- and Long-Term Care Difference
WHAT IS THE MAIN DIFFERENCE BETWEEN SHORT-TERM AND LONG-TERM CARE INSURANCE?
- Short-Term Care: Covers your care expenses for 12 months or less, features a 0-day waiting period, and is highly affordable.
- Long-Term Care: Covers your care expenses for multiple years, requires a 90-day out-of-pocket waiting period, and has high premiums.
SHORT & LONG TERM CARE FAQS
Short-Term Care
- What qualifies as short-term care? Rehabilitation after surgery, illness, or injury, typically lasting days or weeks.
- What services are included? Physical therapy, occupational therapy, speech therapy, and skilled nursing.
- Does Medicare cover this? Yes, Medicare typically covers up to 100 days of inpatient care after a hospital stay if medically necessary.
Long-Term Care
- What is long-term care? Ongoing assistance with Activities of Daily Living (ADLs), such as bathing, dressing, and eating, due to chronic illness or aging.
- Where is this care delivered? In nursing homes, assisted living facilities, memory care units, or directly at home.
- How is long-term care funded? Personal savings, long-term care insurance, or Medicaid (for those who qualify financially).