Short-term & home care: protect your savings and your independence

What Medicare covers — and where it stops

Many people assume that if they ever need help recovering at home, Medicare will simply pay for it. In reality, Medicare covers limited skilled care — the kind of short-term recovery care a doctor orders after a hospital stay or while you're getting better from an illness or injury. That coverage is meant for recovery, not for the long haul.

Where Medicare stops is custodial care — ongoing, non-medical help with everyday activities like bathing, dressing, preparing meals, and getting around. That's the type of help people are most likely to need as they age, and extended home care or assisted living can add up quickly. Original Medicare alone wasn't built to cover that gap, which is exactly where short-term care and home health care plans come in.

How short-term & home care plans help

• They pay benefits where you need care. Plans can pay toward home health aides, assisted living, or recovery care — so you can get help at home or in a facility, whichever fits your situation.
• They're easier on your budget. Because the benefit period is shorter, these plans are generally more affordable and easier to qualify for than traditional long-term care insurance.
• They protect what you've built. Benefits help cover the cost of care so a health setback doesn't force you to drain your retirement savings — and so you can keep your independence.

Who it's a fit for

Short-term and home care plans tend to fit retirees who want to stay in their own home rather than move to a facility, and who want a way to pay for help if they need it. They're also a practical choice for people who looked at traditional long-term care insurance and found it too costly, too hard to qualify for, or both. If you want meaningful protection without the price tag of a full long-term care policy, this is often the sweet spot — and we're happy to compare the options with you.

How Honorbrook helps — at no cost to you

We're an independent agency, so we don't push one company's plan. We compare short-term care and home health care plans across carriers, match you to one whose underwriting and benefits fit your situation, and explain the elimination periods, benefit amounts, and tradeoffs in plain English before you decide. Our help is always free, and everything can be handled by phone. We're licensed in Virginia, Maryland, Georgia, Texas, Michigan, North Carolina, South Carolina, Alabama, Louisiana, Indiana, West Virginia — 11 states in all — so wherever you are, we can help.