Cash benefits · Family caregiver support
Recover at home — and get paid to do it.
Medicare covers the hospital. It does not cover the months of help you need afterward. Short-Term Home Health Care insurance pays you up to $450 a day in cash, reimburses up to $900 a year of prescriptions, and hands your family caregiver a $3,500 lump sum.
- $450
- Daily maximum
- 360
- Days of benefits
- $3,500
- Caregiver benefit
Real example
A 65-year-old in South Carolina taking 3 generics and 2 brand name drugs nets $3.45 a month on Option C after prescription reimbursement.
Why this coverage
Six reasons families choose it
Benefits paid directly to you
Cash goes to you, not the provider — use it for care, groceries, rent or anything else.
Three plans to choose from
Combined daily maximums of $150, $300 or $450 for up to 360 days of covered home care.
Prescription drug benefit
$10 per generic and $25 per brand name, up to $300, $600 or $900 every policy year.
Support for family caregivers
A $3,500 lump sum plus TCARE® coaching and resources for the person caring for you.
Riders to customize coverage
Add hospitalization, ambulance, dental and vision, critical accident or return of premium.
Care where you want it
Recover in your own home instead of a facility — no prior hospital stay required.
Three plans
Daily benefit maximums by plan
GTL pays a daily benefit for each day you receive covered home health care services. Total benefits for all services are limited to the plan's combined daily maximum, over a maximum benefit period of 360 days (280 in Idaho).
Option A
$150
combined daily max
- $50/day home health aide benefit
- $300/year Rx reimbursement
Option B
$300
combined daily max
- $100/day home health aide benefit
- $600/year Rx reimbursement
Option C
$450
combined daily max
- $150/day home health aide benefit
- $900/year Rx reimbursement
| Covered service | Option A | Option B | Option C |
|---|---|---|---|
| Skilled nursing care, RN | $75 | $150 | $200 |
| General nursing care (LPN/LVN) | $60 | $120 | $200 |
| Physical therapy | $75 | $150 | $200 |
| Speech pathology | $75 | $150 | $200 |
| Occupational therapy | $75 | $150 | $200 |
| Chemotherapy specialist | $60 | $120 | $200 |
| Enterostomal therapy | $50 | $100 | $200 |
| Respirational therapy | $50 | $100 | $200 |
| Medical social services | $100 | $200 | $300 |
| Home health aide | $50 | $100 | $150 |
| Combined daily maximum | $150 | $300 | $450 |
To qualify, a licensed health care practitioner must certify a cognitive impairment or the inability to perform at least two of six Activities of Daily Living.
Prescription drug benefit
Your medications can pay for your policy
This is the benefit almost nobody expects. GTL reimburses $10 for each generic and $25 for each brand name prescription drug you fill, up to your plan's policy year maximum. For most people on several maintenance medications, that reimbursement offsets nearly the entire premium.
Option A
$300
per policy year
Option B
$600
per policy year
Option C
$900
per policy year
Worked example
65 years old in South Carolina, filling 3 generics and 2 brand name prescriptions every month.
- 3 generics × $10 + 2 brands × $25$80 / mo
- Annualized, capped at Option C's $900 maximum$900 / yr
- Option C monthly premium$78.45
- Less monthly Rx reimbursement−$75.00
- Net premium$3.45 / mo
Sample rating tool
See your net premium in seconds
Pick your state and age, tell us how many generic and brand name prescriptions you fill each month, and we'll show all three plans plus the one that gives you the most coverage for the least net cost.
Tell us about you
Rates are illustrative monthly premiums including the $3,500 caregiver benefit and the $1.67 monthly policy fee.
How many prescriptions do you fill each month?
Generic prescriptions
$10.00 reimbursed per generic
Brand name prescriptions
$25.00 reimbursed per brand name
Your prescription activity
3 generics + 2 brand names = $80.00 per month of eligible reimbursement, or $960 a year before plan limits.
Option C — $450 daily maximum
For a 65-year-old in South Carolina, Option C costs $78.45 per month. Your prescriptions qualify for up to $900 a year — $75.00 per month — bringing your net premium to $3.45 per month.
- Monthly premium
- $78.45
- Rx reimbursement
- −$75.00
- Net premium
- $3.45
Compare all three plans
Option A$150/day max · $300 Rx max
Premium
$30.48
Rx credit
−$25.00
Net / month
$5.48
$22.87 base + $5.94 caregiver benefit + $1.67 policy fee · your Rx activity exceeds this plan's $300 annual maximum
Option B$300/day max · $600 Rx max
Premium
$53.35
Rx credit
−$50.00
Net / month
$3.35
$45.74 base + $5.94 caregiver benefit + $1.67 policy fee · your Rx activity exceeds this plan's $600 annual maximum
Option C$450/day max · $900 Rx max
Best fitPremium
$78.45
Rx credit
−$75.00
Net / month
$3.45
$70.84 base + $5.94 caregiver benefit + $1.67 policy fee · your Rx activity exceeds this plan's $900 annual maximum
Sample rates only. Premiums shown are basic monthly rates for a single applicant with the $3,500 caregiver benefit and do not include optional riders. Prescription reimbursement is paid up to the policy-year maximum and is shown here on a monthly basis for comparison. Final premium depends on state, age, underwriting and plan selections.
Family caregiver benefit
$3,500 in cash for the person taking care of you
Roughly 80% of home care is delivered by family. After you have an approved home health care claim and your caregiver registers and completes a caregiver assessment with TCARE, GTL pays a $3,500 lump sum. It can help cover out-of-pocket costs, travel and fuel, lost income from time off — or simply give them a chance to recharge. The money can be paid to you or assigned to your caregiver.
Your caregiver also gets TCARE's tailored action plans, tech-enabled insights and resources built to prevent caregiver burnout.
Additional benefits
Riders to customize your coverage
Accident & Sickness Hospitalization
$100 to $450 a day for hospital confinement, on a 3-, 6- or 10-day benefit period that restores after 60 days. Ages 75+: $100–$300 a day, 3- or 6-day period.
Ambulance Benefit
$200 per ground ambulance trip, up to four times a year and a $2,500 lifetime maximum. No hospital confinement required.
Dental & Vision
Up to $400, $800 or $1,200 a year after the first year, including $200 toward eyeglasses or contacts. Not available in GA, ID, MD or OR.
Critical Accident
$5,000 or $10,000 plan paying a lump sum after an ER visit for accidental death, fractures, dislocations and ligament tears. Not available in MD or WY.
Return of Premium
Returns all premiums paid, minus benefits paid, to your beneficiary at death. Not available in GA, MD, PA or TN.
Home Health Care Aide Benefit
$50, $100 or $150 a day when you cannot perform two Activities of Daily Living or have a cognitive impairment — no prior hospitalization needed.
Questions
What people ask before they enroll
Let's confirm your exact rate
The tool above gives you a sample. A licensed agent can verify availability in your state, apply your rider selections and complete the application with you — usually in one short call.