Here's the catch with this coverage:
You qualify for it while you're healthy — not after the diagnosis, not after the fall.
When the day comes that you need help at home, it pays a daily benefit directly to you. Not to a hospital. Not to a network. To you.
Up to $450/day — up to $300K/yr in home healthcare services at net $0 cost*
Issued ages 55-85. About a minute to check.
No obligation. Your information stays private.
Coverage through national insurance carriers serving American families since the 1930s.
You'll work with a licensed insurance advisor in your state — not a call center script.
Prefer to talk it through in person? An advisor can meet you at your kitchen table.
See if you — or the person you're checking for — may qualify for this coverage.
This coverage is issued to ages 55-85.
Availability and plan details vary by state.
Things like bathing, dressing, meals, or getting around.
A licensed insurance advisor will confirm eligibility and pricing for your state. Free, no obligation.
Based on your answers, this coverage may be available to you.
A licensed insurance advisor will call you shortly to confirm eligibility, availability in your state, and exact pricing — and if you'd rather talk it through in person, they can schedule a visit to your home. Free either way, and no obligation to buy anything.
Or call now: (407) 555-0123Five questions, about a minute. It costs nothing and doesn't commit you to anything.
By phone, or in person: an advisor can come to your home and walk through the coverage with you at your own table, at your own pace, with your family in the room if you'd like.
You'll see exact plan levels and pricing for your state and age. If it fits, the advisor handles the application with you. If it doesn't, you'll know that too.
How benefits work: a licensed health care practitioner certifies a cognitive impairment or difficulty with two of six activities of daily living (things like bathing, dressing, or getting around). The daily benefit — up to $450/day depending on your plan — is then paid directly to you for covered home healthcare services.
The features people are most surprised by.
Benefit checks come to you — not a hospital, not a network. You direct the care.
Benefits don't require a prior hospitalization. A doctor's certification starts the clock.
Benefits are paid regardless of your existing insurance — no coordination of benefits.
No waiting period on the prescription drug benefit — for initial fills and refills.
Includes a caregiver benefit and concierge support for the loved ones helping you.
Recover fully and stay well 180 days, and your full benefit period can be restored.
Move, snowbird, or relocate — no policy changes needed to use your coverage.
An optional return of premium rider means you can use the coverage — or get your premiums back.
No. This is a private insurance product. It is not Medicare, Medicaid, or any government benefit, and this site is not affiliated with any government agency. It's designed to work alongside coverage you already have.
It refers to the optional return of premium rider. With that rider, if you don't use the coverage, your premiums can be returned — meaning the coverage can end up costing you nothing net. Rider availability varies by state and adds to the premium. Your advisor will show you exact numbers.
Two things, honestly. First, qualifying to buy the policy: it's issued ages 55-85 with medical underwriting, so you apply while you're reasonably healthy. Second, qualifying for benefits later: a licensed health care practitioner certifies you need help with daily activities, and the daily benefit begins.
Plans offer daily benefit amounts up to $450/day, which can add up to $300K/yr in covered home healthcare services at the highest level. Your advisor will price the plan levels available in your state.
Benefit payments require care from a licensed or certified caregiver employed by a licensed home health agency. Family members are supported differently — through the caregiver benefit and concierge services included with the coverage.
A licensed insurance advisor calls you, usually within one business day, to confirm availability in your state, walk through plan levels and pricing, and answer questions. If you'd prefer to meet in person, the advisor can come to your home and go through everything at your kitchen table. There's no cost and no obligation either way.
Coverage is underwritten by established national insurance carriers with decades of experience — companies that have been serving American families since the 1930s. Your advisor will identify the specific carrier, plan, and policy forms available in your state before you apply, so you'll know exactly who stands behind your policy.