Why Aetna Short-Term Care (STC)/Recovery Care?

A recovery care insurance plan can help your customers plan now for the level of care and comfort they deserve in case of an accident or illness that requires assistance and care during recovery.

  • Freedom to choose how and where to recover
  • Helps to pay for out-of-pocket costs for medical expenses
  • Protects savings
  • Can offset the cost of deductibles, co-pays, and unexpected expenses not covered by other insurance plans
  • Paid in addition to any other health care coverage
  • Benefits paid directly to the policyholder or a designated medical provider
  • Issue ages 50-89

Aetna Recovery Care Insurance Plans – Protection Series

Daily Nursing Facility*
Including Assisted Living and Bed Reservation

The benefit is available:

  • Up to $300 daily maximum
  • with choice of covered days: 90, 180, 270, or 360 days
  • with a lifetime maximum equal to twice the number of covered days
  • with waiting period: 0, 20, or 100 days

*At least one unit ($10 per day) of Hospital Indemnity must be purchased with the Daily Nursing Facility benefit.

This coverage will pay a daily benefit for confinement in a nursing or assisted living facility, provided you cannot perform two or more Activities of Daily Living (ADLs) or you have a cognitive impairment. No prior hospital stay is required.

The bed reservation coverage will pay up to a maximum benefit of 10 days if you return to the facility where you resided prior to your hospital confinement. The covered lifetime maximum is 20 days.

Daily Hospital Indemnity*

The benefit is available:

  • Up to $300 daily maximum (for each day of confinement)
  • with 20 days per period of care
  • with a lifetime maximum of 365 days

*At least one unit ($10 per day) of Hospital Indemnity must be purchased with the Daily Nursing Facility benefit. This coverage will pay a daily hospital benefit if you are confined in a hospital, including observation stays in a hospital.

Home Care Rider

The benefit is available:

  • Up to $1200 weekly maximum
  • with choice of covered weeks: 13, 26, or 52 weeks
  • with a lifetime maximum equal to twice the number of covered weeks

This rider pays a benefit for each week you receive three or more professional home care service visits of at least one hour per visit in your home, provided you cannot perform two or more ADLs or you have cognitive impairment.

What's Covered?

How to Calculate Rates for Aetna's Recovery Care Product

Read: Video: How to Calculate Rates for Aetna’s Recovery Care Product

Aetna Recovery Care State Availability

The Aetna Recovery Care product is available in all states except California, Connecticut, Florida, Kansas, Minnesota, North Dakota, New Hampshire, New Jersey, New Mexico, Pennsylvania, South Dakota, Virginia, Vermont, and Washington.

Aetna Recovery Care Consumer Ads

Aetna is one of the few carriers that provides agents with customizable consumer advertisements.

The Dental, Vision, and Hearing product actually has three consumer ads including a consumer mailer and postcard.

New to Short-Term Care/Recovery Care Sales?

We are so passionate about Short-Term Care that we created a complete Short-Term Care Training & Marketing Kit. This kit includes a training video playlist, a 22-page e-book guide, and marketing materials.

You can also check out some of the content we've developed about selling Short-Term Care:

Plus, watch the STC training video playlist.

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This product may be available in other states not listed. Please contact us to inquire.