Short-Term Home Health Care Insurance
Designed to allow you to recover in your own home, help pay for prescription drugs, provide support for family caregivers and more!
What is short-term home health care insurance?
GTL’s Short-Term Home Health Care Insurance helps with home health care costs, including deductibles and co-payments from medical services. With riders like the Short-Term Home Health Care Aide Benefit, Prescription Drug Benefit, and more customizable care options, GTL provides more affordable and comprehensive coverage with direct benefits.
How does short-term home health care insurance work?
GTL’s Short-Term Home Health Care Insurance works by providing a daily benefit for various home health care services. The benefit duration depends on your chosen plan, and to qualify, a Licensed Health Care Practitioner certifies a Cognitive Impairment or difficulty performing two of six Activities of Daily Living without substantial assistance. As an added benefit, policyholders have access to TCARE’s Family Caregiver Concierge Services designed to help support your loved ones and prevent caregiver burnout.
Why do I need short-term home health care insurance?
Like most Americans, you would prefer to recuperate from the comfort of your own home. Benefits are paid directly to you, and can help cover deductibles and co-payments, regardless of existing insurance. Short-Term Home Health Care is flexible, with no prior hospitalization stay needed to collect benefits. You can also combine Short-Term Home Health Care Benefits with hospital stay and accident coverage to enhance your overall protection from GTL.
Why Short-Term Home Health Care Insurance from GTL?
Benefits Paid Directly to You
Family Caregiver Support
Benefits for Prescription Drugs
Customizable Coverage
3 Things to Know…
- Choose from daily benefit amounts of $150 (Plan A), $300 (Plan B), or $450 (Plan C).
- Perscription Drug Benefit of $10 for generic and $25 for name brand.
- Benefits are restorable.
Additional Benefit Riders Available to You
Accident and Sickness Hospitalization Benefit Rider
Dental and Vision
Benefit Rider
Return of Premium
Rider
Accident and Sickness Hospitalization Benefit Rider
Dental and Vision
Benefit Rider
Return of Premium
Rider
Ambulance Benefit
Rider
Ambulance Benefit
Rider
Critical Accident
Benefit Rider
Critical Accident
Benefit Rider
Who is TCARE?
Powered by high-tech and human touch, TCARE supports caregivers through the complexities of caregiving to help health plans, employers, and families get to a place of better care.
TCARE’s Family Caregiver Concierge Service is designed to support your loved ones and prevent caregiver burnout. By offering a variety of tools and targeted resources, TCARE empowers loved ones to take care of themselves while providing care and support to you!
You shouldn’t have to worry about covering out-of-pocket medical expenses…
We’ll help connect you with a GTL agent to get covered!
By submitting this information, you agree that GTL and its agents may contact you. Your contact information will be kept confidential.
Frequently Asked Questions about Short-Term Home Health Care Insurance
How do I file a claim for my Short Term Home Health policy?
Please find the Short-Term Home Health claim form here. Print and complete the form and return it with the required documentation to the address noted on the first page of the form. If you are a policyholder, claim forms can also be found under the My Account tab in GTL's Customer Portal.
How soon can I start using my policy's prescription benefit?
There is no waiting period to use the policy prescription benefit. Once your policy is active, you can immediately take advantage pf these benefits for both initial prescriptions and refills.
Can I still get the policy's prescription benefit even if I do not owe a co-pay?
Yes, you can receive the full prescription benefits of your Short Term Home Health Care Insurance policy, even if you do not have a co-pay. GTL does not coordinate benefits with your primary health care plan, ensuring that you get comprehensive prescription coverage without the need for an additional co-pay.
How do I get my prescription benefit paid to me?
To receive reimbursement for your prescription benefits, you can either mail a copy of your prescription receipt(s) directly to GTL or request your pharmacy to print out a listing of your filled prescriptions and send it in to GTL.
Who can receive the Caregiver Benefit?
The $3,500 Caregiver Benefit is available to a family member or friend who provides care and has completed the short TCARE assessment.
How many times do benefits on my policy restore?
The Maximum Benefit Period for Covered Home Health Care Services will be fully restored when:
1.) Covered Home Health Care Services are not received for a period of 180 consecutive days; and
2.) A Licensed Health Care Practitioner has provided written certification that you have sufficiently recovered enough to no longer qualify as having either (i) a Functional Impairment or (ii) Cognitive Impairment and have been advised that (i) you no longer require Covered Home Health Care or (ii) other nursing or home care services, whether or not such services are covered under the terms of the Policy.
Does my premium stay the same?
While the premium rates for Short-Term Home Health Care's base plan and hospital indemnity rider may increase upon aging into the next age band or reaching the policy anniversary date, it's important to note that the premium for the TCARE benefit and all other riders remains consistent, providing stable and predictable coverage as you age.
Do I have to change my policy if I move to a different state?
No, you may use this coverage in any of the 50 states.
Can a family member provide Home Health Care services to receive the claim benefits?
To qualify for claim benefits, it's essential that Professional Home Health Care and Home Health Care Aide services are administered by a licensed/certified caregiver employed by a licensed Home Health Care agency that can provide a comprehensive and itemized bill for each service date.
This product and its features are subject to state availability and variability. The Policy has exclusions, limitations, reductions of benefits and terms under which the Policy may be continued in force or discontinued. For cost and complete details of coverage, please contact us or your agent. Please call the Life and Health Sales Department at 1-800-323-6907 for complete details. Click here to view product disclosures.
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