What Is Short-Term Care Insurance?
Short-term care insurance is designed to cover temporary care needs — like rehab after surgery, a short nursing home stay, or home health care after a hospital discharge.
It provides
affordable protection when you're recovering but not quite ready to return to daily life on your own.
It’s a great option for seniors who want peace of mind without committing to the cost of long-term care insurance.
What It Covers & Our Approach
Plans vary, but short-term care insurance may help pay for:
- Recovery support at home
- Skilled nursing stays (up to 12 months)
- Physical therapy or rehabilitation
- In-facility care after a hospital visit
- Home health aide services
We help you:
- Understand what short-term care covers (and what it doesn’t)
- Compare top-rated plans with flexible coverage periods
- Evaluate how it fits into your existing Medicare, Medigap, or care plans
- Find the most value for your budget and recovery goals
We’ll help you determine whether this is a smart supplement — or if another option may serve you better.
Why People Choose Short-Term Coverage
Lower Premiums Than
Long-Term Care
Budget-friendly for those looking to fill short gaps in coverage.
No Long Commitments
Ideal for temporary recovery periods — coverage typically lasts up to 360 days.
Easier to Qualify
Fewer health requirements make this a good fit for older adults or those who don’t qualify for long-term care insurance.
Protects Savings From Unexpected Costs
Helps avoid dipping into retirement funds to pay for temporary care.
Short-Term Care FAQs
How is this different from long-term care insurance?
Short-term care is for temporary needs — typically 3 to 12 months. It’s more affordable and easier to qualify for, but doesn’t cover extended care situations.
Is this a good backup if I don’t qualify for long-term care insurance?
Yes — many people use short-term care coverage to stay protected if long-term care isn’t an option due to health or budget constraints.
Can I use this with Medicare?
Yes. It helps fill the gap when Medicare’s limited skilled nursing or rehab benefits end.
How fast does coverage start?
Some plans offer quick approval and fast coverage start dates — we’ll help you select the right timing.