Home – It’s Where You Want to Be.
If you’re like most, you want to live in your own home for the rest of your life
But are you prepared to do so?
Nearly 2/3 of Americans over the age of 65 will need help at some point to live at home. The costs can be significant – nearly $50,000 on average* – which Medicare does not pay for.
And if this help is not well planned or delivered, the risk of falls and injury can increase, which can result in a move from a cherished home to a nursing home.
That’s why the Aging at Home Association now offers the option of including Home Care Secure with its membership – an innovative insurance offering designed to help cover your future costs of care.
Use our Quote tool to price your membership with Home Care Secure.
Choose your coverage amount – anywhere from $20,000 – $60,000 (in $10,000 increments).
Request a call from HCG Brokerage – an authorized representative of this membership option – to discuss your quote and secure your membership.
Or, call 1-844-424-2757 anytime from 9:00 a.m. – 5:00 p.m. Monday through Friday EST
How It Works
Home Care Secure Home Care Secure short term home health care insurance provides weekly cash payments of between $400 – $1,200 for up to 50 weeks when you need help living at home. Your payments will depend on the total level of coverage you select – anywhere between $20,000 and $60,000 (in $10,000 increments).
Payments are flexible and may be used to pay for home care services and other supports whether it’s just for a few weeks or for your ongoing needs.
Plus, Home Care Secure includes your enrollment as an Aging at Home Association member. This means you’ll have access to tools, resources, discounts and special values designed to improve your well-being and plan for long-term aging in the place you call home.
Features & Benefits
Aging at Home Association Membership with Home Care Secure means:
You’ll Have a Plan
- Assessments – to measure your well-being over time
- Tools and Guidance –to create an informed plan for aging at home
You’ll Have Support With Access To:
- Discounted coordination services to help you find, schedule and manage your care team
- Medical care with free, unlimited in-home telehealth visits
- An array of discounts and special values which can save you time and money
You’ll Have More Financial Resources
- Cash – insurance benefits to help pay for home care products and services not covered by Medicare
- Peace of Mind – with affordable lifetime benefits from $20,000- $60,000
Available at Affordable Monthly Rates
with Simplified Underwriting
Selected Rates Below:
Coverage amounts are available from $20,000 – $60,000 in $10,000 increments
Note: Rates include membership fees for the Aging at Home Association. Home Care Secure may not be purchased on its own.
Membership Options
Membership in the Aging at Home Association can be purchased on its own. You are also automatically enrolled as a member when you purchase Home Care Secure.
Information, guidance and tools to create informed plans for aging at home.
Information, guidance and tools to create informed plans for aging at home.
Yearly access to Total Well-Being*, a comprehensive assessment covering dimensions of health, life and money.
*Developed by Fidelity® Investments in collaboration with the Stanford Center on Longevity.Yearly access to Total Well-Being*, a comprehensive assessment covering dimensions of health, life and money.
*Developed by Fidelity® Investments in collaboration with the Stanford Center on Longevity.Recommendations to help improve Total Well-Being scores and sustain them over time.
Recommendations to help improve Total Well-Being scores and sustain them over time.
Access to discounts and special values which can help save time and money.
Access to discounts and special values which can help save time and money.
Up to 50 weeks of cash payments paid directly to you to help cover the costs of home care and other needs when you need help to live at home.
A range of lifetime benefit options – from $20,000 to $60,000 with optional inflation protection.
Flexibility to use benefits for short-term needs (such as after a hospitalization) or longer term.
Note: Purchase of Home Care Secure is not required to become an Aging at Home Association Member.
Aging at Home Association Membership may be purchased for $9.99 per month.
*Developed by Fidelity® Investments in collaboration with the Stanford Center on Longevity
Membership Discounts & Values
Membership in the Aging at Home Association gives you access to a world of tools, discounts and special values designed to save you time and money. This includes:
- A comprehensive assessment based on Life, Health and Money
- Personalized scoring with recommendations to improve them and sustain them over time.
- Yearly invitations to re-score yourself and compare with your past assessments
- Developed by Fidelity Investments® in collaboration with the Stanford Center on Longevity
Explore tools, information and resources designed to build your plan for aging at home
- Home Environment and Day-to-Day Living
- Health and Wellness
- Finance and Legal
- Social and Community Connections
- Family Caregiving
Telehealth
MDLIVE
Care Coordination
Wellthy
Durable Medical Products
Credit for Caring
Prescriptions
FairScripts
Vision
Outlook Vision
Dental Care
DenteMax
Hearing
Association Hearing Benefits
Pet Supplies
Identity Theft Protection
LifeLock
DISCLOSURES
BENEFIT ELIGIBILITY TERMS DEFINED:
Cognitive Impairment: A deterioration or loss in intellectual capacity which requires Substantial Supervision to protect You from threats to your health and safety. Cognitive Impairment is evaluated and measured by clinical evidence and standardized tests which. reliably measure impairment in one’s: (1) short or long-term memory; (2) orientation as to people, places, or time; and (3) deductive or abstract reasoning. Such deterioration or loss of intellectual capacity can be the result of Alzheimer’s disease or similar forms of senility or irreversible dementia. Functional Impairment: means the inability to perform at least two (2) of the six (6) Activities of Daily Living, listed below, without substantial assistance.
Activities of Daily Living: means the following six (6) basic activities of daily living: 1. Bathing: Washing oneself by sponge bath in either a tub or shower, including the task of getting into or out of the tub or shower. 2. Continence: The ability to maintain control of bowel or bladder function; or, when unable to maintain control of bowel or bladder function, the ability to perform associated personal hygiene (including caring for a catheter or colostomy bag). 3. Dressing: The ability to put on or take off all items of clothing and any necessary braces, fasteners or artificial limbs. 4. Eating: The ability to feed oneself by getting food into the body from a receptacle (e.g., plate, cup, table) or by a feeding tube or intravenously. 5. Toileting: The ability to get to and from the toilet, getting on and off the toilet, and performing associated personal hygiene. 6. Transferring: The ability to move into or out of a bed, chair or wheelchair without assistance.
MAXIMUM BENEFIT PERIOD: The maximum number of Calendar Weeks we will pay a Weekly Benefit for Your receipt of Home Health Care Services during Your lifetime, unless any remaining Lifetime Maximum Benefit dollars are available as provided in this Certificate’s Remaining Lifetime Maximum Benefit provision. The Maximum Benefit Period is shown on the Certificate Schedule.
PRE-EXISTING CONDITIONS LIMITATION: A sickness or injury, disclosed or not disclosed on the application, for which medical care, treatment, diagnosis or advice was received or recommended within the six (6)-month period immediately prior to your Effective Date of coverage under this Certificate; or the existence of symptoms which would cause an ordinarily prudent person to seek diagnosis, care or treatment within the six (6) months prior to Your Effective Date of coverage under this Certificate. Treatment includes the taking of prescription drugs or medicines. Pre-existing conditions are not covered unless the loss begins more than 6 months after your Effective Date.
BENEFIT PAYMENT AND LIMITATION ON BENEFITS: Subject to the Qualifying for Benefits provision, We will pay a Weekly Benefit while You are receiving Home Health Care Services. Weekly Benefits paid while You are receiving Home Health Care Services are subject to not exceeding: (a) the allowable Maximum Benefit Period; and (b) the Lifetime Maximum Benefit. We will not pay Weekly Benefits beyond the allowable Maximum Benefit Period, as shown on the Certificate Schedule. Any remaining Lifetime Maximum Benefit dollars are eligible for future benefit payment as provided in this Certificate’s Remaining Lifetime Maximum Benefit provision. Home Health Care Services are incurred on the date the service or treatment is provided. To be payable, the Loss must be incurred while this Certificate is in force and not excluded from coverage under the General Exclusions or Pre-existing Conditions Limitation provision. When multiple Home Health Care Services are received during a Calendar Week that begins in the last week of a Certificate Year and ends in the first week of the next Certificate Year, the Weekly Benefit will be payable under the Certificate Year in which Loss began for that Calendar Week.
REMAINING LIFETIME MAXIMUM BENEFIT: After Weekly Benefits have been paid up to the Maximum Benefit Period, You will be eligible for any remaining Lifetime Maximum Benefit dollars when: 1. You have not received Home Health Care Services for a period of at least thirty (30) consecutive days; and 2. A Licensed Health Care Practitioner has certified that You have sufficiently recovered enough to no longer qualify as having a Functional or Cognitive Impairment and have been advised You no longer require Home Health Care Services or other nursing or home care services, whether or not such services are covered under the terms of this Certificate. Remaining Lifetime Maximum Benefits are subject to not exceeding the allowable Maximum Benefit Period. Coverage under this Certificate ends when the Lifetime Maximum Benefit has been exhausted. Exclusions We will not pay Weekly Benefits for Loss: 1. That is a result of war or any act of war, declared or undeclared or any other armed conflict; 2. Due to intentionally self-inflicted injury while sane or insane; 3. Due to injury or sickness arising out of or in the course of employment or which is compensable under any workers’ compensation or occupational disease act or law; or motor vehicle no-fault law; 4. For services provided by a member of the Immediate Family unless: (a) he or she is employed by the Home Health Care Services provider; (b) the Home Health Care Services provider receives payment for the services; and (c) he or she receives no compensation other than the normal compensation for employees of the Home Health Care Services provider. 5. For services not included in Your Plan of Care; 6. For services that would not routinely be paid in the absence of insurance; 7. For care received outside the United States or its territories; or 8. For alcoholism, drug addiction, or chemical dependency, unless as a result of a medication prescribed by a Doctor. Home Care Complete, Group Short-Term Home Health Care insurance, is issued on Policy/Certificate Form Series GP-2070/GC-2070, and Rider Form Series RG20IP by Guarantee Trust Life Insurance Company, Glenview, IL. This product, its features, and riders are subject to state availability and may vary by state. Certain exclusions and limitations may apply. For cost and complete details of coverage, please contact us or your agent. GTL and their licensed agents are not connected with or endorsed by the US Government or the Federal Medicare Program. Guarantee Trust Life Insurance Company (GTL), Aging at Home Association, and Vantage America Solutions, Inc are separate legal entities and have sole financial responsibility for their own products. GTL provides the insurance coverage and does not provide, nor is affiliated with the discount programs provided as a part of membership in the Aging at Home Association.
AGING AT HOME ASSOCIATION
Please Note: AGING AT HOME ASSOCIATION IS AN ASSOCIATION NOT INSURANCE. Not all programs are available in all states. AAHA complies with all Federal and State Regulations. Services are provided by a registered discount medical provider organization (DMPO) where required.
Discounts and services provided for Telehealth, Prescription Drugs, Vision, Dental and Pet Supplies are managed and administered by the discount medical plan organization: VantageAmerica Solutions, Inc. (VAS), 1275 Milwaukee Avenue, Glenview, IL 60025. a. The discount medical card program is NOT health insurance. b. Discounts are provided at certain health care providers for medical services. c. No payments are made directly to the providers of medical services. d. The range of discounts for medical or ancillary services provided will vary depending on the type of provider and medical or ancillary services received. e. The member is obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with VAS. This discount program is not a qualified health plan under the Affordable Care Act. Not available in all states. Member benefits are subject to change.
Discount programs in the Aging at Home Association are subject to change. Please refer to the Aging at Home Association Web site (www.agingathomeassociation.org) for the most current listing of benefits.
Use our Quote tool to price your membership with Home Care Secure.
Choose your coverage amount – anywhere from $20,000 – $60,000 (in $10,000 increments).
Request a call from HCG Brokerage – an authorized representative of this membership option – to discuss your quote and secure your membership.
Or, call 1-844-424-2757 anytime from 9:00 a.m. – 5:00 p.m. Monday through Friday EST