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Umbrella Coverage

Home Care Plus Insurance

Weekly benefits that help pay for skilled care at home — so you can heal in the comfort of your own home instead of a facility.

The real risk

Why this coverage exists

40%

of seniors age 65+ will need daily assistance at some point.

$61,776

the annual cost of a home health aide at 44 hours per week.

73%

of long-term care is provided at home by family members.

Recover where you're most comfortable

Recovery from an unexpected illness or accident doesn't always mean a hospital or nursing home. Home Care Plus pays a weekly benefit when you're receiving medically necessary care at home from a licensed home health agency or skilled practitioner — so you can focus on healing, not the bill.

  • Skilled nursing care and therapy
  • Physical, occupational, and speech therapy
  • Home health aide services
  • Medical social services and nutritionist care
  • Optional hospital confinement benefit
  • Non-taxable benefits, guaranteed renewable for life

Benefits are paid in addition to any other health-care coverage you have, including Medicare.

Notice to Buyer: This is not a Medicare Supplement policy, not a Major Medical policy, and not a Long Term Care policy. It may not cover all of your medical or health-care expenses and should not be purchased as a substitute for Medicare or Medicare-related health plans.

Statistics sourced from industry and government data on senior care costs and utilization.

Good to know

Your questions, answered

People who want the option to recover at home with skilled care after an illness, injury, or hospital stay, rather than in a facility.
Home Care Plus pays a weekly benefit — to you or your provider — while you receive qualified skilled home care. The benefits are non-taxable.
Yes. Benefits are paid in addition to any other coverage you carry, including Medicare.
No. This is not a Long Term Care policy, not a Medicare Supplement, and not major medical coverage. A licensed agent can explain exactly what it does and doesn't do.
Free consultation

See if this coverage fits your situation

In a short, no-pressure review, a licensed agent walks you through benefit amounts, costs, and how this works alongside the plan you already have.

Free consultation

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A short, no-pressure conversation. We'll answer your questions and lay out your options in plain English.

  • Always free — never changes your premium
  • Local, licensed, independent
  • In person, by phone, or virtual
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