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Home Health Care

Many Medicare beneficiaries prefer to have home healthcare rather than to be confined to an assisted living or long-term care facility. True Freedom offers a home health care program through a service agreement (rather than through insurance). This is not a replacement of any insurance policy. Medicare beneficiaries who have deferred buying long term care insurance in many cases cannot afford to buy long term care insurance nor can they meet the underwriting standards for such insurance, so this an is an attractive option where an individual can defray at least some home health care expenses at an affordable price. This plan is offered nationally and is regulated by State Attorneys General rather than Departments of Insurance.

See this video for a description:

There is no underwriting requirement to join True Freedom but the applicant must sign and agree to a set of terms and conditions. One requirement is that the potential member must be able to certify that s/he is able to live independently at time of enrollment and cannot currently be in need of or requiring any assistance (including from family members) with activities such as bathing, dressing, and transferring at time of enrollment. If the intent upon enrollment is to go on service for a current condition following the initial 90-day waiting period that would not be a suitable membership. The program is NOT designed for people who intend to use the plan immediately after the 90-day waiting period but can be used if an unexpected condition develops after enrolling in the program.

As an incentive for not using the plan until services are really needed, the plan gives discounts for any year in the first four years if the beneficiary does not use the program; regular premiums are reinstated if and when the individual eventually starts using the program. In addition, the program offers 10% discounts for 2 household members buying the program and a 5% discount if a member pays annual premiums. (A couple can obtain a 15% annual discount if they pay annually.)

This brochure outlines the features of the plan; this is the rate sheet; and these are the terms and conditions to which an applicant must certify in order to be eligible to join the plan.

This plan:

  • Is the only nationwide homecare option for Medicare beneficiaries
  • Is a leading alternative to Long Term Care Insurance
  • Offers membership plans for services up to $250,000
  • Has no age limits or medical underwriting
  • Contracts start at only $95 a month.
  • Enrollment involves signing a two -page agreement; online enrollment is available.


2021 Schedule
Affordable Care Act Open Enrollment

Open Enrollment begins November 1, 2020 and ends December 15, 2020
on the federal facilitated marketplace for plans to start January 1, 2021.

Before the next open enrollment period starts you can only enroll
for an Affordable Care Act plan if you have a qualifying life event.

You may be eligible to enroll for another type of plan.
Call us at 561-734-3884 or 877-734-3884 for details.

2021 Schedule
Medicare Annual Enrollment Period

Annual Enrollment begins October 15, 2020
and ends December 7, 2020 for a January 1, 2021 effective date.

You’re eligible to enroll now if you’re first becoming eligible for
Medicare or are eligible for another type of enrollment period.
Enrollment rules differ between Medicare Supplement plans and
Medicare Advantage, Medicare Advantage Prescription Drug,
and stand-alone Prescription Drug Plans.

Call us at 561-734-3884 or 877-734-3884 for details.

family consulting

We offer a comprehensive set of Affordable Care Act (“Obamacare”) plans

to individuals and families qualified to buy health (tax- and non-tax subsidized) insurance and dental/vision and/or hearing plans through the Federal marketplace (this is called buying “on-exchange” or “on-marketplace”) or directly from insurance carriers (this is referred to as buying “off-exchange or -marketplace”). Our Affordable Care Act policies comply with the Affordable Care Act and contain all of the “essential health benefits” required by that law.

The dental/vision and/or hearing insurance

products are available both on an insured or discount basis

We offer short-term health insurance policies

for those who are looking for more inexpensive coverage and shorter term alternatives.

We offer Medicare Supplement, Medicare Advantage, and Part D Drug plans

to Medicare beneficiaries. Our site is compliant with federal, state, and carrier guidelines in selling these policies. See the Medicare section of this site for details.

We represent many carriers that offer supplemental benefits

to both individuals and families and Medicare beneficiaries, and the site contains information about hospital indemnity, cancer, critical illness, gap, accident, and international medical insurance offered by many different carriers. This section of the site also contains valuable information and tools about lowering the cost of prescription medications. Call us if you want more information about or would like to enroll in one of these products.

We also offer Short- and Long-Term Disability products

and can also help you meet the costs of long-term care, nursing home, or short-term (recovery) care needs.

Finally, we have a complete array of Life, Final Expense, and Annuity products

and offer pre-need services in Florida, as we have both life insurance and pre-need licenses in that state.

You pay nothing for our services:

we’re paid directly from the carriers we represent, Premiums are NEVER EVER marked up to include paying us for our services: you pay the same whether you order directly from the carrier or the marketplace on your own or directly through us or from our site.

We ONLY offer alternatives that are suitable for you and for which we feel meet YOUR needs.
When or if we feel a product or service is not appropriate for you from either a cost or benefit point of view we will tell you so.

We’re fully compliant with privacy and security guidelines, have signed all required privacy and security agreements, have developed a privacy and security policy, and take extraordinary steps to safeguard your protected health and personal information.
In short, we’re experts in all aspects of health and life insurance and also have relationships with professionals who can help you with very specialized situations.

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