Plan Details FAQs Exclusions

As medical costs rise, health insurance is less likely to pay for longer hospitals stays - meaning you risk having to go home sooner to recover. Many health insurance plans, including Medicare, do not cover all the costs associated with home health care. So who pays for the added costs? You do.

Medicare places strict caps on the amount of money it will pay for home health care. And when these caps are met, you're left with the bill.

Senior Short-Term Recovery Plan is supplemental protection that begins paying you the moment you are admitted in the hospital. And then, it keeps on paying once you go home to continue your recovery.

Total recovery protection

Hospital Confinement benefit - First, you'll get paid up to $1,000 in cash benefits for each hospital stay.

Home Recovery benefit - If you are sent home with a recommendation for a Medicare approved home health care service, you'll receive $100 per day for prescribed recovery services, up to a maximum benefit period of 20 days. When you're under age 80 there are a maximum of two 20-day home recovery benefit periods per year, over age 80 the maximum is one 20-day period per year.

It's coverage that protects your retirement and savings account from the often unforeseen expenses of home health recovery.

• Total protection - illness or an injury - from the hospital bed to your own - pays two benefits directly to you - first for hospitalization, and then for home recovery.
• Guaranteed to be issued to you and your spouse - no health questions or medical exam. Even pre-existing conditions are covered after a member is treatment-free for at least 12 months or, once coverage is in force for 12 months.
• No termination age - and guaranteed to pay for any injury or illness that happens anytime, anywhere - you have 24 hour coverage.
• Pays in addition to any other insurance, and pays directly to you - it's added protection that fills the gap left by Medicare. And you choose what to spend your monthly benefits on.
• Benefits do not decrease until age 80 - then the annual benefit maximum for Home Recovery changes to one 20-day period per year, or $2,000 maximum. The hospital confinement benefit remains the same.
• No waiting period - the hospital benefit pays from first day of hospitalization.
• 60-day free examination with a money-back guarantee.
• Expansive coverage - includes coverage for all hospitalization including Veteran's Administration and government hospitals.

Learn more

Choose 1 of 3 enrollment options:

• Complete a secure online application. It's easy, safe and takes less than 5 minutes!
• Click here to download an enrollment form.
  Print it, fill it out and mail it in!
  (It's an AdobeAcrobat file, get a free reader by clicking here).
  
  
• Request an application via mail:
  • By calling 1-800-393-0864
  • By completing an online request form

Questions? Call1-800-393-0864.

Is there any time when you wouldn't be covered? Read exclusions here

*This benefit is not based on actual expenses, (See Annual Benefit Maximums for Home Recovery.)