Short-Term Recovery Care Insurance | Carriers & Agent Resources

Coverage That Helps During Recovery Periods

Short-term recovery care plans are designed to help cover costs associated with recovery after a health event, such as a hospital stay, surgery, or illness. These plans can provide benefits for services like skilled nursing, home health care, or assisted living during a defined recovery period.

For agents, short-term recovery care can be a practical solution for clients who want additional protection but may not be ready for or eligible for traditional long-term care coverage.

Available Carriers

Access short-term recovery care solutions from a range of trusted carriers, each offering different benefit structures and underwriting approaches.

Aetna

Bankers Fidelity

Guarantee Trust Life Insurance Company (GTL)

ManhattanLife

Standard Life

United National Life

Wellabe

When Short-Term Recovery Care Makes Sense

Flexible Protection for Transitional Needs

Short-term recovery care is often a good fit for clients who:

Want coverage for recovery periods without committing to long-term care insurance
Are concerned about the cost of post-hospital care or rehabilitation
May not qualify for traditional long-term care due to underwriting
Prefer simpler plan designs with defined benefit periods

How These Plans Are Structured

Simple, Defined Benefits

Most short-term recovery care plans include:

Daily or monthly benefit amounts for covered care
Defined benefit periods, often ranging from a few months up to one year
Coverage for care settings such as home health care, assisted living, or skilled nursing
Streamlined underwriting compared to long-term care policies

These plans are generally designed to be easier to understand and position in conversations with clients.

How It Fits Alongside Other Coverage

A Complement to Existing Plans

Short-term recovery care can work alongside:

Medicare coverage, which may have limitations on extended care
Hospital indemnity or critical illness plans
Long-term care strategies, as a more accessible entry point

Positioning this coverage appropriately helps clients better understand gaps and options without overcomplicating the decision.

Support From New Horizons

Practical Guidance and Carrier Access

New Horizons provides:

Access to multiple short-term recovery care carriers
Guidance on positioning these plans with clients
Training resources to help agents understand benefit structures and use cases
Ongoing support for case design and questions

Short-Term Recovery Care