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Recovery Care Insurance

Helps cover short-term stays in a convalescent care facility

What is Short-Term Recovery Care Insurance?

Short-Term Recovery Care insurance, also known as convalescent care insurance or short-term nursing facility insurance, helps manage the cost of temporary stays in a nursing facility. For some, Short-term Recovery Care can be an affordable alternative to long-term care insurance.

Not to be confused with long-term care insurance, recovery care pays benefits to help manage the expense of stays of less than one year in a covered facility such as a nursing or assisted living facility. Anyone who has had an incapacitating illness like a heart attack or a serious injury that renders them temporarily unable to care for themselves can use short-term recovery care insurance.


Why do I need Short-Term Recovery Care Insurance?

Part of smart retirement planning is making sure that precautions have been taken to guard against the possibility of an unexpected injury or prolonged illness wiping out your hard-earned savings. While Medicare is available for people over the age of 65, it offers little in the way of coverage for facility based care. Should you require a stay in a skilled nursing facility, Medicare Part A requires at least a three-day hospital confinement before they will cover the first 20 days of nursing facility care and only covers skilled care not intermediate or custodial. After 20 days, Medicare requires you to cover the per day coinsurance out of your own pocket for the next 80 days and then coverage stops for that confinement. Each year the coinsurance amount goes up.

Also, coverage for short-term recovery tends to fall through the cracks of most managed care and long-term care insurance plans, because 42.8% of all patients admitted to nursing care facilities stay for less than a year.1


I own Long-Term Care Insurance. How can Short-Term Recovery Care Insurance help me?

If you already own a long-term care plan, Short-Term Recovery Care insurance can also be used in conjunction with a long-term care plan to save you money. Most long-term care plans offer several different elimination period options, with longer elimination period options usually cutting the cost of premiums by a significant amount. You can then use a Short-Term Recovery Care policy to provide coverage during that gap, providing protection from out-of-pocket expenses, while saving you money on your long-term care plan.


Short-Term Recovery Care Features and Benefits

 

Policy Form Series 2090 may not be available in all states. The policy has exclusions and limitations. Benefits may vary by state.
This product is not available in AK, AL, CA, CT, DC, FL, HI, KS, MA, ME, MN, ND, NH, NJ, NY, SD, TX, VT, WA

 

1Slome, Jesse. Telephone INTERVIEW. November 2007.

 

 

Frequently Asked Questions

  • What are supplemental health plans?

    Supplemental health insurance is meant to work with your primary insurance plan to help pay some of the costs your primary plan doesn’t cover. It pays a fixed cash benefit and usually does not have copays or deductibles. If you’d like to know more, a Standard Life and Accident agent can help answer your questions. Call 888.290.1085, Mon.-Fri., 8:00 a.m. to 4:30 p.m. CST.

  • Are there different types of supplemental health plans?

    Yes. There are plans for specific diseases such as cancer and other critical illnesses; accidents, accidental death and dismemberment, or confinement to a hospital. These usually pay cash benefits in a lump sum.

    There are also limited benefit plans that pay predetermined benefit amounts for a variety of medical needs such as doctor visits, ER, diagnostic tests and x-rays. If you’d like to know more, a Standard Life and Accident agent can help answer your questions. Call 888.290.1085, Mon.-Fri., 8:00 a.m. to 4:30 p.m. CST.

  • What is Accident insurance and why should I consider purchasing an Accident plan?

    At some point, almost everyone will experience an accident. However, it’s the severity of the accident that will be different in each case. If you have an accident that requires medical attention, like a broken bone or a serious burn, you may need extra money for any number of unexpected expenses like an ER visit, renting crutches or even to hire someone to help with chores if you were temporarily disabled.

    Accident insurance pays preset benefits for covered accidents and there are usually no coinsurance or deductibles. You can use your benefits however you need them. They can even be used to help cover the coinsurance or deductibles from any other insurance plan you may have.

    If you’d like to know more, a friendly Standard Life and Accident agent can help answer your questions. Call 888.290.1085, Mon.-Fri., 8:00 a.m. to 4:30 p.m. CST.

  • Why should I consider purchasing an Accidental Death and Dismemberment (AD&D) plan?

    No one expects to lose eyesight or a limb or their life through an accident, but Accidental Death and Dismemberment insurance makes it possible to prepare financially for serious events like these. Many accident related expenses such as advanced rehabilitative and physical therapies, and non-medical costs such as normal living expenses, or deductibles and copays may not be covered under your primary medical insurance. The money from your AD&D plan can be used to help pay these costs or used in any way you choose.

    If you’d like to know more, a friendly Standard Life and Accident agent can help answer your questions. Call 888.290.1085, Mon.-Fri., 8:00 a.m. to 4:30 p.m. CST.

  • Can I be turned down for Accidental Death and Dismemberment Insurance?

    No. These plans are usually guaranteed issue so no one can be turned down. If you’d like to know more, a friendly Standard Life and Accident agent can help answer your questions. Call 888.290.1085, Mon.-Fri., 8:00 a.m. to 4:30 p.m. CST.

  • What is Limited Medical Insurance?

    Limited Medical Insurance* pays fixed benefit amounts for common medical expenses like doctor office visits, ER visits, diagnostic tests, x-rays, surgery and more. It also pays lump sums for serious illnesses like a cancer diagnosis and other critical illnesses or accidental death.

    If you have a high deductible major medical plan, the benefits from your limited benefit plan can be used to help pay deductibles or coinsurance.

    If you’d like to know more, a friendly Standard Life and Accident agent can help answer your questions. Call 888.290.1085, Mon.-Fri., 8:00 a.m. to 4:30 p.m. CST.

    *Limited Medical Insurance is not considered Minimum Essential Coverage under the Affordable Care Act (ACA) and you may be subject to tax penalties if you do not have some form of ACA compliant major medical coverage.

  • What is Short-Term Limited Medical Insurance?

    Short-Term Limited Medical Insurance* is temporary insurance that pays fixed benefits for common occurrences like doctor visits, X-rays, wellness visits and hospital stays. These plans are purchased on a month-to-month basis and provide limited benefit coverage for up to 12 months.

    Short-Term Limited Medical Insurance is not comprehensive medical coverage and is primarily intended for those who only need temporary coverage like college graduates seeking employment, those who are between jobs or have retired early and are waiting for Medicare benefits to begin.

    If you’d like to know more, a friendly Standard Life and Accident agent can help answer your questions. Call 888.290.1085, Mon.-Fri., 8:00 a.m. to 4:30 p.m. CST.

    *Short-Term Limited Medical Insurance is not considered Minimum Essential Coverage under the Affordable Care Act (ACA) and you may be subject to tax penalties if you do not have some form of ACA compliant major medical coverage.

  • What happens once my Short-Term policy ends?

    You can purchase another policy if your health has not changed and you qualify. However, any condition treated during the term of the previous policy will not be covered under the new policy if approved. If you’d like to know more, a friendly Standard Life and Accident agent can help answer your questions. Call 888.290.1085, Mon.-Fri., 8:00 a.m. to 4:30 p.m. CST.

  • Why should I purchase a Supplemental Cancer plan?

    Unfortunately, many primary health insurance policies do not cover all cancer related treatment and expenses. While some plans may help to cover the major aspects of cancer treatment, there are generally many day-to-day expenses that are not included in the plan.

    If you’d like to know more, a friendly Standard Life and Accident agent can help answer your questions. Call 888.290.1085, Mon.-Fri., 8:00 a.m. to 4:30 p.m. CST.

  • What is covered by a Supplemental Cancer plan?

    Supplemental Cancer plans cover expenses such as radiation and chemotherapy, hospital confinement, surgery and anesthesia, ambulance service and hospice stays. Some plans include benefits to help off-set the expense of drugs and medicine, and the cost of certain experimental treatment programs. If you’d like to know more, a friendly Standard Life and Accident agent can help answer your questions. Call 888.290.1085, Mon.-Fri., 8:00 a.m. to 4:30 p.m. CST.

  • What else is covered by a Supplemental Cancer plan?

    Transportation and lodging is an often overlooked expense that can quickly add up for cancer patients and their families. Some supplemental cancer plans offer benefits for ground and air transportation, and lodging necessary for treatment outside your home city. If you’d like to know more, a friendly Standard Life and Accident agent can help answer your questions. Call 888.290.1085, Mon.-Fri., 8:00 a.m. to 4:30 p.m. CST.

  • I have hospitalization covered under my primary health plan on my job. Why should I consider purchasing a Hospital Indemnity plan?

    If you have ever seen an itemized hospital bill you know how expensive hospital stays can be. From the fees of the doctors and specialists to the charges for individual aspirin, the cost of any item not covered by your insurance can quickly add up and is your responsibility. In some cases, hospital bills can take years to pay off. Hospital Indemnity coverage pays a daily benefit for each day you are confined that can be used to cover these costs.

  • What does Hospital Indemnity Insurance cover?

    Hospital indemnity insurance pays benefits if you are admitted to a hospital for a covered stay, plus a separate daily benefit for each day you are hospitalized. The plans also pay benefits for ambulance service and surgery. If you have a hospital stay of at least one day and then require rehabilitation, your plan will pay a daily benefit for treatment in a covered facility.*

    Your benefits will be paid directly to you unless you assign them to be paid to the hospital or rehabilitation facility, and you are free to use them however you choose. You may need help with out-of-pocket expenses like coinsurance and deductibles, and other costs not covered by your primary health insurance such as private room charges, travel and lodging expenses, childcare, and monthly bills like cell phones and other household expenses. Best of all, the plans pay in addition to any other insurance you may have including workers’ compensation.

    If you’d like to know more, a friendly Standard Life and Accident agent can help answer your questions. Call 888.290.1085, Mon.-Fri., 8:00 a.m. to 4:30 p.m. CST.

    *Subject to plan requirements and annual maximum limitations.

  • How do I file a claim? What is the address to file a claim?

    The address for filing a claim is located on the member’s ID card. If you do not have or cannot locate your ID card, simply mail a copy of your bills to the Claim Department, P.O. Box 10546, Springfield, MO 65808-0546. Be sure to write your plan number on your bills.

    For more information, contact the Health Claims Department at 800.899.6503.

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