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Short Term Care

ShortTermCareThis is an ancillary product that I often recommend for those who, for whatever reason, have not been able to qualify for traditional long term care insurance and are looking for a product that will help them age in place in their home (which is what most of us want to do, if possible). Available in Montana and Idaho. Not currently available in Washington. Can match us well with True Freedom home care plans which are available in Montana, Idaho and Washington. (See short videos on both products on this website).

What is it?

GTL’s Short-Term Home Health Care Insurance can help you cover deductibles and co-payments for home health care services. It also includes a Short-Term Home Health Care Aide Benefit, a Prescription Drug Benefit, policyholder access to Ask Mayo Clinic online, and a great set of riders for you to choose from.

How does it work?

GTL’s Short-Term Home Health Care Insurance will pay a daily benefit for each day you receive a variety home health care services. Daily benefit amounts will vary by plan selected (maximum benefit period is 360 days). To qualify for benefits, a Licensed Health Care Practitioner must certify you as having a Cognitive Impairment or the inability to perform at least two (2) of six (6) Activities of Daily Living without substantial assistance (bathing, continence, dressing, eating, toileting and transferring).

Why do I need it?

Because, like most Americans, you would prefer to recuperate at home. Benefits are paid directly to you to help cover deductibles and co-payments, regardless of any other insurance you may have. To collect the Short-Term Home Health Care benefits, a prior hospitalization stay is not required. You can even combine your Short-Term Home Health Care Benefits with coverage for hospital stays and accidents to enhance your coverage!