Home Health Care Insurance
Affordable support when you want to recover at home
What Is Home Health Care Insurance?
Home Health Care (HHC) Insurance is a supplemental insurance policy that helps pay for in-home recovery services after an illness, injury, or hospitalization. It is designed to help you stay at home — instead of a nursing facility — while still getting the skilled care and personal support you need.
This plan pays cash benefits directly to you, giving you flexibility to hire qualified home health aides, nurses, or therapists while keeping your independence and comfort at home.
Why It Matters with Medicare
Medicare often does not cover long-term home care — especially when you need help with daily tasks like bathing, eating, or dressing. Without extra coverage, families are left to pay out of pocket or rely on unpaid caregivers.
Home Health Care Insurance helps bridge this gap by offering:
Up to 360 days of in-home care
Coverage for skilled nurses, therapists, and aides
A Home Health Aide Rider for 60 extra days of personal care
Cash benefits you can use for transportation, prescriptions, or daily living expenses
What’s Covered?
Most plans include:
Skilled nursing and therapy services at home
Personal care assistance (bathing, dressing, eating, etc.)
Medical social services
Prescription drug benefit
Daily cash benefits during recovery
60-day extension with Home Health Aide Rider
You choose how to use the benefits — medical bills, groceries, caregiver costs, or travel — the money is paid directly to you.
Who Should Consider It?
Home Health Care Insurance is ideal for:
Medicare Advantage enrollees who want in-home support
Adults planning for aging in place
Seniors with chronic conditions or mobility issues
Anyone recovering from surgery, illness, or injury
Families wanting to reduce the caregiving burden
Key Benefits
✔️ Stay home instead of a nursing facility
✔️ Daily cash benefits for up to 360 days
✔️ Optional 60-day rider for extended care
✔️ Coverage for skilled and non-skilled care
✔️ Affordable premiums and easy qualification
✔️ Use any licensed provider — no network restrictions
Get Coverage That Keeps You Comfortable
Home is where healing happens best. Home Health Care Insurance helps you or a loved one
recover safely, affordably, and with dignity — in the comfort of your own home.
Call Cole Insure at (816) 307‐6165 or request a free quote today.
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