Financial Support for Care at Home
Home Health Care Enhanced provides benefits for covered home health care services when eligibility requirements are met. Benefits are paid directly to the policyholder according to the selected plan and can help offset eligible home care expenses. Benefits may be payable regardless of other insurance coverage, including Medicare.
Covered home health care services may include:
- Nursing care
- Physical therapy
- Occupational therapy
- Speech pathology
- Respiratory therapy
- Medical social services
- Home health care aide services
- Homemaker services
The policy offers three coverage levels, Classic, Premier, and Deluxe, with different benefit amounts depending on the plan selected.
Help When Family or Friends Provide Care
One of the distinguishing features of Home Health Care Enhanced is its Homemaker Services Benefit.
Depending on the policy and benefit level selected, this benefit can provide financial support when covered care at home is provided by an unlicensed family member, friend, neighbor, or other informal caregiver.
For individuals who want to remain at home and may rely on people they already know and trust, this benefit can provide another layer of financial protection.
Home Health Care Insurance and Medicare
Home Health Care Enhanced can also provide supplemental protection for Medicare beneficiaries who are concerned about the potential costs associated with receiving care at home.
The policy benefits are separate from Medicare and may be payable regardless of other insurance coverage, including Medicare.
It is important to understand that this is not Medicare Supplement insurance, Medicare Advantage coverage, major medical insurance, or ACA-compliant health insurance. It is a supplemental home health care insurance policy with benefits paid according to the policy's provisions, limitations, exclusions, and selected riders.
Additional Home Health Care Coverage Options
Depending on availability and the coverage selected, optional riders may provide additional benefits for:
- Routine annual physical examinations
- Ambulance transportation
- Home medical equipment
- Certain accident expenses
- Accidental death and dismemberment
For example, the Home Medical Equipment Benefit Rider can provide benefits for eligible equipment prescribed while receiving home health care services, including certain mobility assistance, transfer, bathroom safety, and home accommodation equipment.
Is Home Health Care Insurance Right for You?
Home health care insurance may be worth considering if you are concerned about how you would pay for assistance at home following an illness, injury, or loss of independence.
Home Health Care Enhanced is available for issue ages 18 through 89 and is guaranteed renewable for life, subject to policy provisions.
Carolina Insurance Professionals can help you review the available coverage, understand the benefits and limitations, and determine whether Home Health Care Enhanced from ManhattanLife is appropriate for your situation.