Short-Term Care Insurance
Compare Plans, Costs & Coverage Options
For more than 30 years, ACACIA Insurance has helped clients plan for long-term care with clear, unbiased guidance. As fully independent advisors, we compare Short-Term Care insurance options from highly rated carriers to help you find coverage that fits your needs and budget.
Short-Term Care insurance can provide an affordable alternative when traditional long-term care insurance may not be practical or available. Share your age and state to compare available plans, benefits, and pricing.
Compare Quotes & OptionsAdvantages of Short-Term Care Insurance
Simplified Underwriting
A key advantage of short-term care insurance policies is the simplified underwriting process.
Most applications only have 3 to 10 health questions, and if you can answer “NO” to all of them, you are 95% through the process.
There is also a policy with no health-related questions, as long as you don’t need care within the next six months. An ideal option for people with existing health problems.
Some policies are even available up to age 89.
No Deductible
Another advantage of short-term care insurance is that most policies have a 0-day deductible. This means that benefits are paid out as soon as you qualify.
This is a great feature compared to traditional long-term care insurance policies which typically have a 90-day deductible before benefits are paid.
Pays in Addition to Medicare
Short-term care insurance policies can pay in addition to Medicare or any medical insurance. This makes STCi an ideal option for those who want to supplement their Medicare coverage or are looking for a more flexible policy to pay for custodial care.
Who Should Consider a Short-Term Care Policy?
Short-term care insurance can be an ideal option for you if:
- You’ve been declined for traditional LTC insurance (in many cases)
- You want a less expensive option than long-term care insurance
- You’re a woman, since short-term care insurance rates are not gender-based like LTCi
- You have a long-term care insurance policy and want to cover the elimination period
- You have a need for Custodial Care that will not last 90 days or longer
- You’re 75 years or older
The typical person buying short-term care insurance today is between the ages of 50 and 89. If you’re looking for an affordable and flexible alternative compared to LTCi, short-term care insurance may be the perfect solution for you.
Ready to start a conversation?
Our advisors can help you determine whether Short-Term Care insurance is right for you. Expect personalized guidance on:
✓ Comparing Short-Term Care plans and benefits
✓ Finding coverage based on your age, health, and budget
✓ Reviewing insurers available in your state
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About the Author: Craig Matesky
Reviewed by: Mike Berger