Short Term Care Insurance is Easy to Qualify For, Affordable & Quickly Issued
A Specified Benefit Home Health Care plan may be just right for many of your clients or their parents!
First, what is Short-term Care insurance? Short-term Care insurance is meant to prepare for the “what ifs.” If your client unexpectedly becomes injured, requires surgery, or experiences a medical condition or diagnosis that limits their ability to perform activities of daily living or they are diagnosed with a cognitive impairment. Short-term Care insurance offer financial benefits for up to 360 days, so that some of the costs of medical and non-medical extended care needs can be offset. Most plans also include a prescription drug benefit of up to $25 per filled prescription with an annual policy maximum of $300, $600 or more!
Short-term Care insurance is also an excellent option for those who cannot qualify for or cannot afford Long-term Care insurance and even for those who have comprehensive coverage and want "gap coverage". Most Long-term Care insurance policies have elimination periods of 90 days between the start of your illness or injury and when benefits become payable. Short-term Care insurance has a zero day elimination period and has fewer restrictions on the types of care it covers and who qualifies.
Short-term Care insurance is also an excellent option for those who cannot qualify for or cannot afford Long-term Care insurance and even for those who have comprehensive coverage and want "gap coverage". Most Long-term Care insurance policies have elimination periods of 90 days between the start of your illness or injury and when benefits become payable. Short-term Care insurance has a zero day elimination period and has fewer restrictions on the types of care it covers and who qualifies.
We have THREE top carriers for Short Term Home Health Care Insurance! Your client can have 1 or all 3!
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Carrier 1:
Short Term Home Health Care offers 3 different benefit levels. And up to $900 per year prescription drug indemnity benefits per each policy year! Please note, use of a "lift chair" is a decline on this product with this carrier.
In Texas this policy has a Zero Day waiting period for home health care and a maximum of 360 lifetime days of benefit. (Some states have a reinstatement of benefits provision, but not TX) |
Carrier 2:
This Short Term HHC policy provides a choice of up to 3 daily benefit levels. And up to $600 prescription drug indemnity benefits per policy year.
In TX this policy has a Zero Day waiting period for home health care and a 364 lifetime days of benefits with a reinstatement of benefits after 180 day recovery! |
Carrier 3:
This Short Term HHC policy provides a choice of up to 3 daily benefit levels. And up to $720 prescription drug indemnity benefits per policy year. Issue ages 40 to 80! While this product can be applied for using a paper or online application, the e-app is always preferred and expedites the approval and placement process. A face to face meeting with your applicant is not required. Features include a zero day elimination period and one of the highest prescription drug benefits available. And it is SUPER EASY to field underwrite this product. |
These products are very affordable, easy to understand and "almost" always issued so, the next time you have a client who cannot afford comprehensive LTC, or who can't qualify for it OR they just want a simple and affordable product, PLEASE contact Bill to go over the HHC options! By the way, "kids" can buy this for their parents too!
Contact Bill - 713-771-7226 or [email protected] to get specifics!
HHC product availability and benefits vary by state and may not be available in all states.
Contact Bill - 713-771-7226 or [email protected] to get specifics!
HHC product availability and benefits vary by state and may not be available in all states.