Home Health Care Coverage, Products, & Insurance

Home Health Coverage for Peace of Mind

Sometimes having the freedom to choose where, when, and how you recover from an unexpected accident or illness is all you need for comfort and peace of mind. The market for home care is exploding thanks to baby boomers becoming seniors and the need for lower-priced alternatives to institutional care.

The number of Americans over age 65 is expected to rise from 56 million in 2020 to 84 million in 2050, and 40% of such adults will need daily assistance (1).

Plan now for the unexpected later

Whether working or retired, it’s important to consider and plan for the impact that rising healthcare costs for hospital stays and at-home recovery could have on you and your family’s finances. Even those who lead a healthy lifestyle may be at risk of experiencing an unexpected health issue requiring the need for therapy and rehabilitation.

You should have choices

Medicare has restrictions and limitations on what it will cover for skilled home care assistance. Unfortunately, seniors mistakenly believe that Medicare covers the entire recovery period at home. It does not. Out-of-pocket costs can be expensive for accidents or illnesses with long recovery times (2). Home Care Plus insurance plans can help you recuperate at home by covering physical, speech, and respiratory therapies, and other medically necessary treatments.

Benefits paid directly to you

You decide how to spend the Home Care Plus benefits. Benefits are paid directly to you, or a medical provider that you designate, and are paid in addition to any other health care coverage, including Medicare. The benefits and premiums for these plans will vary based on the plan options selected.

There’s no place like home to heal and recover.

Home Care Insurance Highlights

HIGHLIGHTS – HOME HEALTH CARE BENEFIT
	CLASSIC	PREMIER	DELUXE
HOME HEALTH CARE BENEFIT
Daily Maximum Aggregate Benefit	$150	$300	$450
Maximum Benefit Period (See Outline Of Coverage)
Home Health Care Services	Daily	Benefit	Amount
Skilled Nursing Care (RN)	$75	$150	$200
General Nursing Care (LPN, LVN, etc.)	$60	$120	$200
Physical Therapy	$75	$150	$200
Speech Therapy	$75	$150	$200
Occupational Therapy	$75	$150	$200
Chemotherapy Specialist Services	$75	$120	$200
Enterostomal Therapy	$50	$100	$200
Respiration Therapy	$50	$100	$200
Medical Social Services	$100	$200	$300
HOME HEALTH CARE AIDE BENEFIT
Daily Benefit	$40	$80	$120
Maximum Benefit Period (See Outline Of Coverage)
PRESCRIPTION DRUG BENEFIT
Maximum Aggregate Benefit per Policy Year	$300	$600	$600
Per-Prescription Benefit, Generic Drugs	$10	$10	$10
Per Prescription Benefit, Brand-Name Drugs	$25	$25	$25

Home Health Care Benefit: Payment up to the daily maximum benefit, subject to eligibility conditions, for approved services provided in the home from an Approved Home Health Care Practitioner.
Home Health Care Aide Benefit: Daily benefit, subject to eligibility conditions, for each day services are provided immediately following a hospital confinement for a minimum of three days.
Prescription Drug Benefit: Prescription benefit for both generic and brand scripts limited to the maximum benefit amount per policy year • Prescription Drug Benefit: Prescription benefit for both generic and brand scripts limited to the maximum benefit amount per policy year.

The benefit highlights:

Home Health Care Insurance policies offered by Nassau Bay Agency are designed for beneficiaries that would prefer to seek and receive care in the comfort of their own home versus entering a nursing home. Benefits under these policies are payable regardless of any other coverage you may have, including Medicare and individual or group insurance plans.

Did you know?

Your insurance may pay different coverage amounts based on the type of stay in the hospital. These policies could help cover unexpected expenses.

Extra Benefit Riders

The benefits available:

Extra Benefit Rider

Annual Physical Examination Benefit: Payment per the schedule below if policyholder has a physical exam performed by a physician more than 12 months after the rider effective date. The same benefit applies in each succeeding 12-month period.
Accidental Death & Dismemberment Benefit: Benefits per the schedule below for an accidental death or an accidental bodily injury resulting in the loss of finger, toe, hand, arm, foot, leg, or sight.
Home Medical Equipment Benefit: Payment up to the maximum per benefit period when home medical equipment is required, specifically related to a sickness or injury for which Home Health Care benefits are paid. Covered home medical equipment limited to:
Mobility assistance
Transfer aids
Bathroom safety
Home accommodations
Personal medical equipment

Critical Accident Rider ($1,250 or $2,500)

Benefits per the schedule below for the treatment of a dislocation, fracture or knee ligament/ meniscus tear sustained as a direct result of a covered accident.

Ambulance Benefit Rider

Benefits up to $200 per trip if a licensed ground Ambulance service transports you:

To a medical facility from your residence or place of injury
From the medical facility to your residence or;
From one medical facility to another medical facility.

(1) Source: http://www.modernhealthcare.com/article/20160628/ NEWS/160629900, Home healthcare industry

(2) Source: https://www.caring.com/articles/medicare-home-care, Medicare Coverage of Home Care, Joseph L. Mathews, downloaded 9/19/16

We're here to help.

Contact us for more information. Or start your quote and enroll directly through our easy 3-Step Self Enrollment Process!

(281) 333-4829 Toll Free: (877) 611-4829