Recovery Care Insurance

Short-term support when you need help getting back on your feet after illness, injury, or surgery

Short-Term Support After Illness or Injury

After a hospital stay or major health event, the road to recovery can be just as challenging as the event itself. You may need weeks—or even months—of assistance with daily tasks, mobility, or follow-up medical care. That’s where Recovery Care Insurance can make all the difference.



This type of insurance provides short-term financial support to help you heal comfortably, safely, and affordably—especially when Medicare alone doesn’t cover everything you need.

회복 관리란 무엇인가요?

Recovery care—sometimes referred to as short-term care—offers temporary assistance during the period following hospitalization, surgery, injury, or illness. It is especially valuable for older adults who may not qualify for long-term care but still need help while regaining strength and independence.

Recovery care services may include:


  • Assistance with bathing, dressing, and meals


  • Supervision during medication use


  • Support with mobility or fall prevention


  • 후속 치료 또는 간호



  • Temporary stays in a skilled nursing facility


회복 지원에 대한 메디케어의 제한

메디케어는 특정 급성기 이후 치료 서비스를 보장하지만, 엄격한 조건과 시간 제한이 있습니다. 예를 들면 다음과 같습니다.


  • Skilled nursing care is only covered after a qualifying 3-day hospital stay and is limited to 100 days


  • 가정 건강 서비스를 받으려면 집에 머물러야 하며 의사의 치료를 받아야 합니다.


  • Custodial care (help with daily activities) is generally not covered



추가 보장이 없으면 "의학적으로 필요하지 않은" 서비스에 대해 비싼 비용을 직접 부담해야 할 수도 있습니다.

회복 케어 보험이 어떻게 도움이 되나요?

Recovery Care Insurance is designed to step in where Medicare leaves off. These policies typically offer:


  • Daily cash benefits for up to 6 or 12 months


  • Coverage for in-home or facility-based care


  • 의료비와 비의료비 모두에 대한 자금의 유연한 사용


  • Simplified underwriting, making it easier to qualify than traditional long-term care policies



This benefit can be used for professional caregivers, temporary facility stays, transportation, or even help from friends and family.

비용 부담이 아닌 회복에 집중하세요. 회복 케어 보험에 대해 브로커와 상담하세요 ➜