Short Term Nursing Home/Home Health Care Insurance

With the high cost of traditional Long Term Care Insurance being too expensive for most people, Short Term Nursing Home Insurance is a viable alternative. 

When you consider that about 80% of nursing home admissions are dismissed in less than a year, it makes sense to provide Short Term Nursing Home Insurance coverage for the most likely occurrence.

These numbers bear out the need for Short Term Nursing Home Insurance, and verify the need for a product which has largely been overlooked. The majority of people admitted to nursing homes would have their most likely needs satisfied with a Short Term Nursing Home Insurance policy of 360/365 days?

It's also easier to qualify health wise for Short Term Nursing Home Insurance. The application is much shorter and it's simplified issue. Some companies approve or deny at the end of a phone interview, so there's no waiting to know if you got the coverage...you'll know immediately. 

No prior hospitalization is required to use Short Term Nursing Home Insurance. It is not related to Medicare, or Medicare qualifications for skilled care. It is independent of any Medicare restrictions for receiving care.  The policyholder may enter the nursing facility directly from their home. It pays in addition to Medicare or Major Medical Insurance. However, for Medicare recipients, there is an important factor involved.  Because of Medicare’s system of DRGs (Diagnostic Related Groups), it is possible that a person will be denied access to the benefits of Skilled Nursing Home care after a hospital stay because the DRG doesn’t exactly fit the “medical necessity” mold.  

And…Medicare is very tough on “admitted” vs. “observational” stays for obtaining the extended skilled care benefits of the patient.  In other words, if the patient's stay in the hospital is considered “observational” they will not be able to receive the 20 days of Medicare paid-for Skilled Care after dismissal from the hospital and because Medicare didn't approve the stay, it won't be covered by your Medicare Supplement either. Short Term Nursing Home Insurance could be the only policy to cover nursing home claims of this nature. 

Short Term Nursing Home Insurance covers all levels of care in the Nursing Home. Most companies also cover Assisted Living, Adult Day Care and Respite Care. 

You can also add Home Health Care to your policy, because most people would prefer to recuperate in the comfort of their own home. 

40% of individuals who reach age 65 will enter a nursing home during their lifetimes. The average length of stay for discharged nursing-home residents is 9 months. 

Short Term Nursing Home Insurance isn't a replacement for Long Term Care Insurance because it doesn't pay as long.....but it is an excellent alternative that is more affordable and will fill a need for the majority of Nursing Home stays that are discharged. Short Term Nursing Home Insurance is available for ages 18-84, depending on the company.  

For the BEST Short Term Nursing Home Insurance, call Tom @ (217)778-8590.