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for health and life Insurance!
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Or call today!
877-734-3884

Short-Term Care (STCI) Insurance

What Is Short-Term Care Insurance?

A number of leading insurance companies now offer coverage that is often referred to as "Short-Term Care" or "Home Health Care" insurance. These policies are very attractive to individuals who can't afford traditional Long-Term Care policies.

The typical Short-Term Care insurance (STCI) policy provides coverage for 1 year or less. For many people, this is a very appropriate and affordable amount of coverage.

Although it's true that some long-term care claims last for many years, the National Advisory Center for Short-Term Care Insurance estimates that almost half (49%) of Long-Term Care (LTC) insurance claims last one year or less.

The majority of Short-Term Care policies have no waiting period and pay on the first day the policy holder qualifies for benefits. In contrast, over 90% of Long-Term Care policies have 90-day waiting periods that must be met before benefits are payable.

These policies can pay in addition to Medicare.

Short-Term Care policies can include benefits for home care, assisted living and nursing home care. The typical benefit amount is $100, $150, or $200 per day. The minimum applicant age is between 40 and 50 and the maximum age is between 85 and 89, depending on the carrier and the state.

The typical Short-Term Care premium at age 65 is $105 per month and is $141.00 monthly at age 70. This makes Short-Term Care an attractive option, particularly for those who can't afford traditional Long-Term Care insurance.

Short-Term Care policies are medically underwritten (that is they ask health questions that must be answered in order to qualify for coverage). Most Short-Term Care applications have 7-to-10 health questions. If you can answer "NO" to all the questions, you are 95% through the health underwriting process. However, there are policies that have only two "YES"/"NO" questions, and these policies can be ideal for people with existing health problems.

Who Should Consider A Short-Term Care Policy?

  • Individuals who were declined for traditional LTC insurance.
  • Those who want a less expensive option (than traditional LTC insurance).
  • People who waited too long to buy LTC (i.e. the cost is now too high).
  • Women. Rates for Short-Term Care policies are not gender based as they are with traditional LTC insurance. (Since women on average live longer than men, "unisex" premiums for men and women on Short-Term care insurance mean that these policies, on average, are less expensive for women than for men.)
  • Individuals who have a LTC policy who want to have coverage during the LTC waiting period.
  • Individuals who were declined for traditional LTC insurance.
  • Those who want a less expensive option (than traditional LTC insurance).
  • People who waited too long to buy LTC (i.e. the cost is now too high).
  • Women. Rates for Short-Term Care policies are not gender based as they are with traditional LTC insurance. (Since women on average live longer than men, "unisex" premiums for men and women on Short-Term Care Insurance mean that these policies, on average, are less expensive for women than for men.)
  • Individuals who have a LTC policy who want to have coverage during the LTC waiting period.

Please contact us at 877-734-3884 for additional information. Plan designs, cost, and availability and issue ages differ between carriers and states, and these types of policies are not approved for issue in all states (for example, Florida).

2020 Schedule
Affordable Care Act Open Enrollment
November 1, 2019 Open Enrollment begins.
December 15, 2019 is the last day to enroll for 2020 on the federal facilitated marketplace.
January 1, 2020 Coverage starts.

2020 Schedule
Medicare Annual Enrollment Period
October 1, 2019 Pre-enrollment period starts. 2020 plans can be discussed.
October 15, 2019 Enrollment starts.
December 7, 2019 is the last day to enroll for a 2020 plan.
January 1, 2020 Coverage starts.

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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