Short Term Care
Senior Insurance Services, a nationwide insurance broker
As the senior citizen population continues to increase, particularly due to the aging Baby Boomer generation, healthcare issues, concerns and questions become a greater priority. The insurance policies most people carry focus on long-term, catastrophic costs, but often there are short-term care needs not covered that will put a strain on personal finances. These short-term costs may include nursing home care, rehabilitation or recuperation costs, and home healthcare needs. These additional care needs may be more efficient while providing direct, individualized support but add significantly to your out-of-pocket costs.
When considering short-term care policies to cover these additional expenses, we at Senior Insurances Services will find you the lowest cost option to cover the following needs:
Nursing Facility Care—Coverage for immediate or custodial care in a nursing home facility includes a daily benefit up to the lifetime maximum benefit for elected periods of 180, 270 or 360 days.
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Assisted Living Facility Care—You may not require 24-hour care but still need services offered in some type of institutional setting. In this case, 75 percent of the daily benefit selected will cover the expenses incurred at an assisted living facility for the lifetime maximum benefit selected—180, 270, or 360 days.
Optional Home Health Care Rider—For an additional cost, this optional home health care rider will pay 75 percent of the daily benefit of the base policy for medically necessary home health care services for up to 90 days with no elimination period.
Coverage for Pre-existing Conditions—Any pre-existing conditions listed on the application will be covered immediately.
Spousal Discount—A 10 percent discount is available when you and your spouse apply for coverage. The discount applies upon approval for the policy.
More Information?
For more information about short term care, contact us by email or call us today at 1-800-594-5393. We will shop for you and find the best policy with the lowest rates to meet your short term healthcare needs.
Senior Insurance Services
2801 Summer Tree Lane
McKinney, Texas 75071
1-800-594-5393
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