Short-Term Home Health Care Insurance is designed to help you recover in the comfort of your own home while easing the financial burden of medical and caregiving expenses. This coverage helps pay for home health care services, prescription drugs, and provides support for family caregivers—without requiring a prior hospital stay.
At Foxworth Insurance Agency, we help individuals and families protect themselves from unexpected out-of-pocket medical costs. GTL’s Short-Term Home Health Care Insurance offers flexible, affordable coverage with benefits paid directly to you, so you can focus on recovery instead of finances.
Short-Term Home Health Care Insurance from GTL helps cover the costs associated with receiving care at home, including deductibles and co-payments from medical services. Coverage includes daily benefits for eligible home health care services and can be customized with optional riders such as:
Benefits are paid directly to you, giving you the flexibility to use the funds where they are needed most.
GTL’s Short-Term Home Health Care Insurance works by providing a daily benefit for various home health care services. The benefit duration depends on your chosen plan, and to qualify, a Licensed Health Care Practitioner certifies a Cognitive Impairment or difficulty performing two of six Activities of Daily Living without substantial assistance. As an added benefit, policyholders have access to TCARE’s Family Caregiver Concierge Services designed to help support your loved ones and prevent caregiver burnout.
Like most Americans, you would prefer to recuperate from the comfort of your own home. Benefits are paid directly to you, and can help cover deductibles and co-payments, regardless of existing insurance. Short-Term Home Health Care is flexible, with no prior hospitalization stay needed to collect benefits. You can also combine Short-Term Home Health Care Benefits with hospital stay and accident coverage to enhance your overall protection from GTL.
Receive cash benefits you can use toward eligible home care expenses.
Access concierge services designed to help loved ones manage caregiving responsibilities.
Coverage includes prescription drug benefits to help reduce medication costs.
Choose plan levels and riders that fit your needs and budget.
Cash benefits for covered hospital stays due to illness or injury.
Refunds eligible premiums under qualifying conditions.
Pays benefits for covered emergency ambulance services.
Helps cover routine dental and vision care.
Lump-sum benefit for covered serious accidents.
Powered by high-tech and human touch, TCARE supports caregivers through the complexities of caregiving to help health plans, employers, and families get to a place of better care.
TCARE’s Family Caregiver Concierge Service is designed to support your loved ones and prevent caregiver burnout. By offering a variety of tools and targeted resources, TCARE empowers loved ones to take care of themselves while providing care and support to you!
Choosing the right policy is important. When structured correctly, it can support retirement planning, income replacement, and long-term wealth management. When structured poorly, it can become costly. Foxworth Insurance Agency ensures every policy is tailored to your goals so you get the best possible outcome.
980-689-0662
980-689-0662
Please find the Short-Term Home Health claim form here. Print and complete the form and return it with the required documentation to the address noted on the first page of the form.
There is no waiting period to use the prescription benefit. Once your policy is active, you can immediately take advantage of the benefit for both initial prescriptions and refills.
Yes. You can receive the full prescription benefit under your Short-Term Home Health Care Insurance policy even if you do not have a co-pay. GTL does not coordinate benefits with your primary health insurance, allowing you to receive prescription benefits without an additional co-pay requirement.
To receive reimbursement for prescription benefits, you may:
Mail a copy of your prescription receipt(s) directly to GTL, or
Request your pharmacy to print a list of filled prescriptions and submit it to GTL on your behalf
The $3,500 Caregiver Benefit may be paid to a family member or friend who provides care and has completed the required TCARE assessment.
The Maximum Benefit Period for Covered Home Health Care Services will be fully restored when both of the following conditions are met:
Covered Home Health Care Services have not been received for 180 consecutive days, and
A Licensed Health Care Practitioner provides written certification that you have recovered sufficiently and:
No longer qualify as having a Functional Impairment or Cognitive Impairment, and
No longer require Covered Home Health Care or other nursing or home care services
While the premium rates for Short-Term Home Health Care’s base plan and hospital indemnity rider may increase upon aging into the next age band or reaching the policy anniversary date, it’s important to note that the premium for the TCARE benefit and all other riders remains consistent, providing stable and predictable coverage as you age.
No, you may use this coverage in any of the 50 states.
To qualify for claim benefits, it’s essential that Professional Home Health Care and Home Health Care Aide services are administered by a licensed/certified caregiver employed by a licensed Home Health Care agency that can provide a comprehensive and itemized bill for each service date.
