Safeguard Your Financial Future With Affordable, Straightforward Assisted Care Coverage

Worried about the high costs of long-term care? The Nursing Home and Home Health Care policy marketed by Platinum Supplemental Insurance makes it possible to receive the care you need without draining your hard-earned retirement savings and without complicated terms or qualifications.

Receive up to $9,000 per month in lump-sum benefits to cover your expenses.*
You’re empowered to choose the best care option without budget worries.
Your policy kicks in to cover expenses the very first day you qualify.
Live on your terms, without relying on family or friends, even when your health needs change.

Get a Free Quote for Nursing Home and Home Health Care Insurance

We have a real, knowledgeable agent available to answer your questions. No risk, no purchase and no obligations required.

Get Your Personalized Quote Today—With No Obligation

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The Cost of Assisted Care Is Out of Reach for Most Aging Americans

For people over 50, the likelihood of needing some kind of long-term care is high. Unfortunately, many people are surprised to learn their traditional health insurance or Medicare won’t provide full coverage. And, at this stage in life, long-term care insurance is expensive and selective.

70%

Of people who reach age 65 are expected to need some form of long-term care at least once in their lifetime²

$105,850

The median annual cost for private room in a nursing home.¹

$50,000

The average cost of home health care NOT covered by Medicare.³

The Nursing Home and Home Health Care Policy Provides Affordable Solutions

Receive up to $9,000 per month for skilled nursing and home health care.*

Flexible coverage options to match your budget and health care needs.

Benefits paid directly to you, starting from the first day of qualifying care.

Option to restore benefits after a period of non-use, ensuring long-term security.

How Can a Short-Term Care Policy Benefit You?

Short-term care insurance is a type of long-term care coverage that provides financial support for those who need assistance with daily living activities temporarily or for a shorter period. Coverage usually ranges from a few weeks to one year. Benefits could be used toward:

Recovery after a major medical event such as a stroke or heart attack.
Rehabilitation after a joint replacement surgery.
Bridging the gap when transitioning from a hospital stay back to home.
Cognitive care for those experiencing early-stage Alzheimer’s.
Professional hospice services at home to ensure comfort and dignity during the final stages of life.

What Is the Difference Between Short-Term and Long-Term Care Insurance?

Short-Term Care Insurance

Long-Term Care Insurance

Coverage usually ranges from a few weeks to one year.

Provides coverage for extended periods, ranging from several years or even a lifetime.

Often less costly than long-term care insurance.

Typically more expensive than short-term care insurance.

Offers a simpler underwriting process, making it accessible to more people.

Usually has strict underwriting and health requirements.

There are short or no waiting periods to begin receiving benefits in the event of a claim.

May offer more comprehensive protection and care options for people with a family history of chronic illness or prolonged care needs.

Unlike long-term care insurance, short-term care coverage may be used in conjunction with Medicare.

Platinum Helps You Focus on Recovery, Not Expenses

Platinum’s leading supplemental health insurance products protect 70,000+ families in 20 states.

Our customers are always assisted by real, friendly, knowledgeable representatives.

Get Your Quote for Short Term Care Insurance

*Benefit amounts used are based on the Plan C benefit plan of the Limited Long-Term Care Insurance Policy with In-Home Health Care Rider. Other benefit plans are available. Premiums vary by plan.

Benefit amounts listed are based on the highest benefit plan level, other benefit plans are available. Premiums will vary by plans. Product availability varies by state.

¹https://www.medicaidplanningassistance.org/nursing-home-costs

²https://www.naic.org/documents/prod_serv_consumer_ltc_lp.pdf

³https://agingathomeassociation.org/about-us

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