Recovery Care Insurance

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

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.

What Is Recovery Care?

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

• Follow-up therapy or nursing care



• Temporary stays in a skilled nursing facility

Medicare's Limits on Recovery Support

Medicare does cover certain post-acute care services, but with strict conditions and time limits. For example:

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

• Home health services require you to be homebound and under a doctor’s care

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



Without additional coverage, you may be responsible for costly out-of-pocket expenses for services that aren’t deemed “medically necessary.”

How Recovery Care Insurance Helps

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

• Flexible use of funds for both medical and non-medical expenses

• 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.

Focus on healing, not bills. Talk to an broker about Recovery Care coverage ➜