National Benefits - Home Health care
Home Health Care Insurance Plan
Most People Would Prefer Not To Enter A Nursing Home
Insurance Benefits Provided by Reserve National Insurance Company, A Kemper Life & Health Company
Most People Would Prefer Not To Enter A Nursing Home
Insurance Benefits Provided by Reserve National Insurance Company, A Kemper Life & Health Company
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FACTS YOU SHOULD KNOW ABOUT HOME HEALTH CARE INSURANCE:
• Most people prefer to recover at home instead of a nursing home.
• Benefits under this policy are payable regardless of any other coverage you may have, including Medicare.
• Hospital stays are getting shorter. More people are recovering at home instead of having extended hospital stays.
• In many cases, home health care is a cost-effective service, not only for individuals recuperating from a hospital stay but also for those who, because of a functional or cognitive disability, are unable to care for themselves.
• Estimates indicate that nine to eleven million Americans need home health care services.*
• Home care is the fastest growing segment of the health care industry.*
SOURCE: Basic Statistics About Home Care, National Association for Home Care.
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Home Health Care insurance is an affordable solution that gives you the flexibility to utilize the type of care that’s right for you . . . in the comfort of your own home
HOME HEALTH CARE BENEFITS
We will pay, subject to the policy provisions and limitations, a benefit each day you receive the following services in your home from an Approved Home Health Care Practitioner, up to a daily maximum benefit of $150:
• Skilled Nursing Care (RN)........................................$ 75
• General Nursing Care (LPN or LVN)........................$ 60
• Physical Therapy......................................................$ 75
• Speech Pathology......................................................$ 75
• Occupational Therapy...............................................$ 75
• Chemotherapy Specialist Services............................$ 60
• Enterostomal Therapy...............................................$ 50
• Respiration Therapy...................................................$ 50
• Medical Social Services..............................................$100
Home Health Care Aide Benefit
We will pay, subject to the policy provisions and limitations, a daily benefit of $40 for each day you require the services of a home Health Care Aide immediately following a hospital confinement of not less than three days.
Prescription Drug Benefit
If you incur expenses in excess of the deductible of $50 per policy year for Prescription Drugs, we will pay 80% of these expenses, limited to a maximum benefit of $250 per policy year.
The Home Health Care Benefit and the Home Health Care Aide Benefit are subject to the Maximum Benefit Periods provided in the policy. See the policy and/or outline of coverage for details.
Guaranteed renewable for life
The Home Health Care Benefit and the Home Health Care Aide Benefit are subject to the Maximum Benefit Periods provided in the policy. See the policy and/or outline of coverage for details. This is a brief description of some of the provisions of policies individually underwritten by Reserve National Insurance Company. Only the actual policy provisions will control. Benefits and policy provisions may vary by state. This policy is not a Medicare supplement or long-term care insurance plan.
SEE THE POLICY AND/OR OUTLINE OF COVERAGE FOR LIMITATIONS AND EXCLUSIONS.
Policy Form Series HHC with PD-2
Form numbers and availability may vary by state.
• Most people prefer to recover at home instead of a nursing home.
• Benefits under this policy are payable regardless of any other coverage you may have, including Medicare.
• Hospital stays are getting shorter. More people are recovering at home instead of having extended hospital stays.
• In many cases, home health care is a cost-effective service, not only for individuals recuperating from a hospital stay but also for those who, because of a functional or cognitive disability, are unable to care for themselves.
• Estimates indicate that nine to eleven million Americans need home health care services.*
• Home care is the fastest growing segment of the health care industry.*
SOURCE: Basic Statistics About Home Care, National Association for Home Care.
____________________________________________________________________________________________________________________
Home Health Care insurance is an affordable solution that gives you the flexibility to utilize the type of care that’s right for you . . . in the comfort of your own home
HOME HEALTH CARE BENEFITS
We will pay, subject to the policy provisions and limitations, a benefit each day you receive the following services in your home from an Approved Home Health Care Practitioner, up to a daily maximum benefit of $150:
• Skilled Nursing Care (RN)........................................$ 75
• General Nursing Care (LPN or LVN)........................$ 60
• Physical Therapy......................................................$ 75
• Speech Pathology......................................................$ 75
• Occupational Therapy...............................................$ 75
• Chemotherapy Specialist Services............................$ 60
• Enterostomal Therapy...............................................$ 50
• Respiration Therapy...................................................$ 50
• Medical Social Services..............................................$100
Home Health Care Aide Benefit
We will pay, subject to the policy provisions and limitations, a daily benefit of $40 for each day you require the services of a home Health Care Aide immediately following a hospital confinement of not less than three days.
Prescription Drug Benefit
If you incur expenses in excess of the deductible of $50 per policy year for Prescription Drugs, we will pay 80% of these expenses, limited to a maximum benefit of $250 per policy year.
The Home Health Care Benefit and the Home Health Care Aide Benefit are subject to the Maximum Benefit Periods provided in the policy. See the policy and/or outline of coverage for details.
Guaranteed renewable for life
The Home Health Care Benefit and the Home Health Care Aide Benefit are subject to the Maximum Benefit Periods provided in the policy. See the policy and/or outline of coverage for details. This is a brief description of some of the provisions of policies individually underwritten by Reserve National Insurance Company. Only the actual policy provisions will control. Benefits and policy provisions may vary by state. This policy is not a Medicare supplement or long-term care insurance plan.
SEE THE POLICY AND/OR OUTLINE OF COVERAGE FOR LIMITATIONS AND EXCLUSIONS.
Policy Form Series HHC with PD-2
Form numbers and availability may vary by state.