What is it?

GTL's Short-Term Home Health Care Insurance can help you cover deductibles and co-payments for home health care services. It also includes a Short-Term Home Health Care Aide Benefit, a Prescription Drug Benefit and a great set of riders for you to choose from.

How does it work?

GTL's Short-Term Home Health Care Insurance will pay a daily benefit for each day you receive a variety home health care services. Daily benefit amounts will vary by plan selected (maximum benefit period is 360 days). To qualify for benefits, a Licensed Health Care Practitioner must certify you as having a Cognitive Impairment or the inability to perform at least two (2) of six (6) Activities of Daily Living without substantial assistance (bathing, continence, dressing, eating, toileting and transferring).

Why do I need it?

Because, like most Americans, you would prefer to recuperate at home. Benefits are paid directly to you to help cover deductibles and co-payments, regardless of any other insurance you may have. To collect the Short-Term Home Health Care benefits, a prior hospitalization stay is not required. You can even combine your Short-Term Home Health Care Benefits with coverage for hospital stays and accidents to enhance your coverage!