To speak with a licensed insurance agent
To speak with a licensed insurance agent
Getting Started
Affordable Protection for Recovery and At-Home Care
what
Short-Term Home Care Insurance is designed to help pay for home health services for a limited benefit period — typically up to 12 months.
These plans can help cover:
In-home nursing care
Home health aide services
Assistance with daily activities (bathing, dressing, meals)
Therapy services at home
Recovery care following surgery or hospitalization
This type of coverage is often easier to qualify for and more affordable than traditional long-term care insurance.
How
While plans vary by carrier, most short-term home care policies include:
A daily or weekly benefit amount
A benefit period (often up to 360 days)
A short elimination period before benefits begin
Simplified underwriting
Benefits are typically paid directly to you or the provider, depending on the policy structure.
Who
Short-Term Home Care Insurance may be a good fit if you:
Want protection for recovery after surgery
Are not ready to purchase full long-term care insurance
Want affordable coverage with limited duration
Are concerned about protecting savings from short-term care costs
Are between ages 40–75 and in reasonably good health
It is especially popular among individuals planning ahead for retirement but looking for cost-conscious options.
Considerations
Short-Term Home Care Insurance:
Is not traditional long-term care insurance
Does not typically provide lifetime benefits
May have health underwriting requirements
May not cover pre-existing conditions
Has specific policy definitions for eligibility
We will review policy details carefully so you understand coverage limits, exclusions, and benefit triggers.
Team Pellegrini is not affiliated with or endorsed by the government or the federal Medicare program. Medicare has neither reviewed nor endorsed this information. We do not offer every plan available in your area. Currently we represent 1-10 organizations which offer 1-50 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. © Copyright 2026 Team Pellegrini | All rights reserved.Website created by MedicarePRO|Marketing
