Even though Medicare does pay for some home health care, they are also limited to what is covered in your home for care. It's limited to medically-necessary part-time or intermittent skilled nursing care or physical therapy, speech-language pathology, or a continuing need for occupational therapy. Care must be ordered by a doctor and provided by a Medicare-certified home health agency. Home health services may also include medical social services, part-time or intermittent home health aide services, durable medical equipment, and medical supplies for use at home. You must be home-bound, which means leaving home is a major effort.

Medicare will not pay for general care, supervision, bathing, walking, transferring, meal preparation or transportation.

 

Daily Hospital Indemnity—This plan will pay a daily benefit for each day you are confined in a hospital for a covered sickness or injury with a lifetime maximum of 365 days. The benefit is variable and may be purchased in $10 increments up to the daily maximum of $150.

Available Daily Hospital Indemnity Benefit:

Issue ages 50-89: $10-$150

Home Care Indemnity—This plan will pay the amount you choose per week for each week you receive three or more practitioner visits on serrate days to provide medically necessary home care, not to exceed 26 weeks during any Period of Care. There is no limit to the number of Periods of Care.

Payments of:

· $150/week
· $300/week
· $450/week
· $600/week
· $750/week

Registered Nurse Indemnity

In-Hospital Indemnity

· When hospital confined, this plan will pay $30 per shift, maximum of two shifts per day (up to a total of $60), not to exceed 30 days per Period of Care, for the services of a private duty, graduate or registered nurse. The services must be certified medically necessary by a doctor.

At-Home Indemnity

· This plan will pay $30 per shift, maximum of two shifts per day (up to a total of $60), not to exceed 30 days per Period of Care, if a doctor certifies that in-home services of a private duty graduate, or registered nurse are medically necessary.

Renewability

This policy is "Guaranteed Renewable", which means that as long as you pay your premiums on time, either in advance or during the grace period, Continental Life Insurance Company of Brentwood, Tennessee will renew your policy regardless of health or claims. The premium rates may change. A change will apply to all contracts with the same form number, and by Underwriting class (contracts that are enforce in each state).

Pre-existing Conditions

Your policy covers pre-existing conditions after it has been in-force for six months. A pre-existing condition means the existence of symptoms what would cause someone to seek diagnosis, care or treatment within six months of the date of the application.

 

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