Options

Choose Your Plan

Home Care Only Plan — Pays for the services provided to you while you are living in your home.

Life Care Plan — Pays for covered services at home, and if it is deemed necessary, also covers an assisted living facility or a nursing home.

Choose Your Options

Elimination Period

Similar to the deductible expense on an insurance policy, you choose when you want the plan to become active. Select a zero-day elimination period, and your paid benefits begin on the first day you need care. Choose up to a 365-day elimination period and reduce the cost of your plan.

Here’s the key: Even if you choose an elimination period, you are still entitled to all the benefits and care offered under the plan. The difference is that you must pay for those services directly until the plan kicks in. At the end of your one-time elimination period, the cost for your care is covered for as long as you are a member. Many members are willing to accept the relative out-of-pocket risk of this arrangement in exchange for lower annual payments.

Daily Benefits

Select the level of daily benefits you would like covered in your plan in increments from $50 to $250 per day.

Minimum Benefit Period

Select the length of time benefits are payable: two, three, four, or five years, or a lifetime of care. Any unused benefits remain in your account and can be applied later.

Inflation Protection

Choose from 0 percent, 5-percent simple (20 years) or 5-percent compound (lifetime) inflation protection to cover the escalating costs of care over time.

Estate Reimbursement

Select this plan option, and payment for any unused benefits is returned to your estate at the time of your death.

Easy Payment Terms

Pay in easy monthly installments or pay for your plan annually. Members with preferred health status, as determined during the application process, and household memberships qualify for a 20-percent discount. Healthy couples can save more than 40 percent in combined discounts!