Stand-Alone Home Health Care Insurance
Stand-Alone Home Health Care insurance provides coverage exclusively for in-home care, when the insured can no longer live independently and needs assistance with their Activities of Daily Living (ADLs). Underwriting is minimal and often eligibility is based on answers provided to a few health questions on the application. Due to benefit periods lasting no more than 360 days, premiums are affordable and coverage is likely to be issued.
Guarantee Trust Life (GTL)
★ Short-Term Home Health Care
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- Issue Ages of 55-85
- Daily Maximum Benefits:
- Plan A: $150/day
- Plan B: $300/day
- Plan C: $450/day
- Maximum Benefit Period of 360 days
- Built-in Home Health Care Aide Benefit
- Built-in Prescription Drug Coverage
- Automatic Restoration of Benefits
- Additional Benefits to Choose From:
- Return of Premium death benefit rider*
- Accident & Sickness Hospitalization Rider
- Critical Accident Rider
- Ambulance Benefit Rider
- Dental/Vision Rider
*Availability & Benefits May Vary by State. For Agent Use Only — See Carrier Literature for Full Details.
ManhattanLife
Home Health Care Select
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State Availability →
- Issue Ages of 45 – 89
- Daily Maximum Benefits:
- Classic: $150/day
- Premier: $300/day
- Deluxe: $450/day
- Maximum Benefit Period of 365 days
- Built-in Home Health Care Aide Benefit
- Built-in Prescription Drug Coverage
- Automatic Restoration of Benefits
- Additional Optional Riders to Choose From:
- Ambulance Benefit Rider
- Accidental Death & Dismemberment Rider
- Routine Annual Physical Examination Rider
- Home Medical Equipment Rider
- Accident Expense Rider
*Availability & Benefits May Vary by State. For Agent Use Only — See Carrier Literature for Full Details.
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- Issue Ages of 50 – 89
- Up to $1,200 Weekly Maximum
- Choice of covered weeks: 13, 26, 39 or 52 (Lifetime Maximum = Covered Weeks X 2)
- Waiting Period: 0 or 20 days
- Home Care Plus Hospital Indemnity Benefit:
- Up to $300 Daily Maximum (for each day of confinement)
- 20 days per period of care
- Lifetime Maximum: 365 days
- Two Optional Plan Benefits:
- Ambulance and ER Rider
- Lump Sum Cancer Fixed Indemnity Rider
- – Choice of $2,500; $5,000 or $10,000 once per lifetime
- – Has one additional eligibility question
- Simplified Underwriting:
- Only 3 Yes/No Eligibility Questions
- No phone interview
- Prescription Drug check
*Availability & Benefits May Vary by State. For Agent Use Only — See Carrier Literature for Full Details.
Guarantee Trust Life (GTL)
Home Care Secure (Aging At Home Association)
- Issue Ages of 35 – 84
- Weekly Cash Payments between $400 – $1,200
- Lifetime Maximum Benefits from $20,000 – $60,000
- 5-Question eligibility with simplified underwriting
- Guaranteed Renewable
- Benefit Upgrade Opportunities available (>3 years in force)
- Coverage also includes:
- Assessments to measure client’s well-being over time
- Coordination Services to help clients find, schedule and manage care
- Tools & Guidance to build an informed plan for aging at home
- Access to free in-home telehealth visits
*Availability & Benefits May Vary by State. For Agent Use Only — See Carrier Literature for Full Details.