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Short-Term Care Insurance

Short-Term Care insurance explained

Short-Term Care insurance can be used to help cover the cost of care received outside of a hospital or doctor’s office setting. This may include non-medical care, such as assistance with bathing and getting dressed, or medical care, including medication administration or the changing of bandages or dressings.

You can use Short-Term Care insurance when recovering from an illness or injury, or when additional assistance is needed as you age. It can help pay for five different types of care, including home healthcare, and care received at an assisted living or nursing home facility.

Recognizing the need for Short-Term Care insurance

Have you started thinking about how you will pay for the care you may need in the future? Check out this video to make sure you have a plan for whatever life brings.

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Is Short-Term Care insurance right for you?

Take a few minutes to think about the following questions to determine if Short-Term Care insurance is right for you.

  1. Do you have a family history of medical conditions that required your loved one(s) to receive care?
  2. Are you looking for ways to help protect your retirement savings in the event of an unexpected illness or injury?
  3. Do you want to maintain your independence and remain in your home as long as possible?
  4. Are you single, or do you live far away from loved ones who may be able to help provide care in the future?
  5. Do you worry about how you’ll pay for the cost of care you may need as you age?

If you answered yes to any of the questions above, Short-Term Care insurance may be the right solution for you.

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You may be eligible for AARP® Short-Term Care Insurance from Medico if you meet the following basic eligibility criteria:

  • You are between the ages of 50 and 79
  • You live in one of these states: AL, AR, AZ, CO, DE, GA, IL, IN, IA, KY, LA, ME, MI, MS, MT, NC, NE, NV, OH, OK, PA, SC, TN, TX, UT, WI, WV, WY
  • You are not an insulin-dependent diabetic
  • You do not require regular use of oxygen

Answering yes to these questions does not guarantee eligibility for this insurance coverage. Additional medical history screening questions will be included as part of the application process. If you have specific questions regarding your eligibility, call a licensed agent/producer at 888-801-6886 Mon-Fri 8:30 a.m. – 6:00 p.m. ET.

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Customize your plan

Flexible plan options allow you to select the coverage that fits your needs. Review your options and get a quote today.

Elimination Period

Choose a 0, 15, or 30-day
waiting period before
benefits begin.

Daily Benefit Amount

Choose the level of coverage per day, ranging from $100
to $300 in $10 increments.

Lifetime Benefit Period

Choose to receive benefits
for 180, 240, or 360 days.

Get Started Today

Call to speak to a licensed agent/producer

Mon-Fri 8:30 a.m. – 6:00 p.m. ET.

Frequently Asked Questions

Is Short-Term Care insurance the same as Short-Term Major Medical insurance?

A short-term major medical policy covers things like doctor’s visits or hospital stays for a brief period of time. Short-Term Care insurance helps cover the cost of care received through in-home health services or at an assisted living facility or nursing home. It also can help pay for the cost of adult daycare.

How is this plan different from Long-Term Care insurance?

The main difference between Long-Term Care insurance and Short-Term Care insurance is the length of time the benefits can be used. Individuals who already have a Long-Term Care insurance plan may use Short-Term Care insurance to help cover costs during the elimination period of the Long-Term Care insurance plan.

Who is the ideal consumer for this type of insurance?

This Short-Term Care insurance plan is designed for people who want to proactively plan for their future care, and not necessarily for individuals who are currently receiving care.

Why might someone need this type of insurance?

This product can help individuals maintain their independence as long as possible, without relying on their children for care support. It can also help protect your savings by helping to cover the cost of care without having to use your hard-earned retirement savings.

*Insurance products sold and serviced by independent licensed insurance agencies, agents or companies. Catalyst360, LLC, a Pennsylvania resident licensed insurance agency (license #485699) serves as the agent/producer for the Short-Term Care Insurance Plans for enrollments made through the advertised toll-free number on AARPConverge.com. Catalyst360, LLC is also licensed as a nonresident insurance agency, or otherwise authorized to transact business as an insurance agency, in all 50 states (including California, license #OF74410) and the District of Columbia. Otherwise, AARP Short-Term Care Insurance from Medico is sold directly by Medico Insurance Company, an Iowa domestic insurance company, or through Medico’s licensed agents. Medico Insurance Company holds insurance licenses in all states in which the Short-Term Care Insurance plan is offered. AARP and its affiliates are not licensed agents/producers and do not sell or service insurance products. Softheon does not sell insurance.

View Important Disclosures Below

AARP Converge powered by Softheon is an AARP-branded eCommerce website. Softheon, Inc. powers this online insurance marketplace by providing web-based information systems. Softheon does not sell insurance.

This website makes available insurance products and services issued and sold through unaffiliated third parties but does not include all insurance companies or all types of insurance products available in the marketplace. You are encouraged to consider your needs when selecting products. AARP does not make product recommendations for individuals.

Catalyst360, LLC, a Pennsylvania resident licensed insurance agency (license #485699) serves as the agent/producer for the Short-Term Care Insurance Plans for enrollments made through the advertised toll-free number on AARPConverge.com. Catalyst360, LLC is also licensed as a nonresident insurance agency, or otherwise authorized to transact business as an insurance agency, in all 50 states (including California, license #OF74410) and the District of Columbia. Otherwise, AARP Short-Term Care Insurance from Medico is sold directly by Medico Insurance Company, an Iowa domestic insurance company, or through Medico’s licensed agents. Medico Insurance Company holds insurance licenses in all states in which the Short-Term Care Insurance plan is offered.

Providers that offer AARP-branded insurance products pay royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP and its affiliates are not insurers, agents, brokers or producers and do not employ or endorse agents, brokers or producers.

Please note that each insurer has sole financial responsibility for its products.

AARP® Short Term Care Insurance from Medico® Disclosures:

AARP® Short-Term Care Insurance from Medico® is insured by Medico Insurance Company. This is a supplemental policy. This is not a short-term major medical policy. This is not a long-term care policy.

AARP Short-Term Care Insurance from Medico is a limited policy. The policy levels selected for purchase are maximum monetary amounts and may not cover all costs. Consumers should review the policy in its entirety, including the levels and duration of benefits. The consumer has the right to return the policy within the time period specified in the policy. This is a solicitation of insurance and a licensed agent/producer may contact you.

Policy form numbers: STC150(MI); STC150(MT); STC150(NC); STC150(OH); STC150(OK); STC150(OR); STC150(PA); STC150(TN); STC150(WI)

This policy is not available in the states of: Alaska, California, Connecticut, Florida, Hawaii, Kansas, Maryland, Massachusetts, Minnesota, New Hampshire, New Jersey, New York, North Dakota, Rhode Island, South Dakota, Vermont, and Washington.

Preexisting condition limitation

Medico will not pay benefits for any loss for a preexisting condition during the first six months after the policy date. If after the policy date a rider is added to the policy, or benefits are increased under the policy or any attached rider, we will not pay the increased benefits for any loss for preexisting conditions during the first six months after the date the increased benefits become effective.

Policy provisions and benefits may vary from state to state. Please see the policy in your state for complete details. This policy has exclusions and limitations and terms under which the policy can be continued in force or discontinued. For costs and further details of coverage, see your producer or write to Medico Insurance Company at P.O. Box 10386, Des Moines, IA 50306-0386.

This policy is not major medical insurance and is not a substitute for major medical insurance. It does not qualify as minimum essential health coverage under the Federal Affordable Care Act. If you purchase this policy only, you will not satisfy the federal requirement that you have health coverage, which is in effect beginning Jan. 1, 2014.

Exclusions and limitations (may vary by state) No benefits will be paid for any expense not identified and included as a covered loss under the policy. You will be fully responsible for payment of any expense that is not a covered loss. We will not pay benefits for:
1. Any loss that occurs while this policy is not in force.
2. Services or supplies not covered under this policy or not included in your plan of care.
3. Treatment of complications of a non-covered loss.
4. Any treatment for loss that:
a. Is not medically necessary.
b. Is not prescribed by a physician as necessary to treat a sickness or injury.
c. Is determined to be experimental or investigational.
d. Is received without charge or legal obligation to pay.
e. Would not routinely be paid in the absence of insurance.
f. Is received from any family member.
5. Any suicide attempt, while sane or insane, or any intentionally self-inflicted injury.
6. Alcoholism, drug addiction, or their complications, unless addiction resulted from narcotics prescribed by a physician.
7. Injuries received or caused directly or indirectly while under the influence of a controlled substance, unless prescribed by a physician, or by intoxication as defined by the laws and jurisdiction of the geographic area in which the loss or cause of loss was incurred.
8. Loss to which a contributing cause was your commission of or attempt to commit a felony or being engaged in an illegal occupation.
9. Loss that occurs outside the territorial limits of the United States.
10. Any loss resulting from war, declared or undeclared, or actively serving in the armed forces or their auxiliary units, including any country’s National Guard or Army Reserve or their equivalent.
11. Any loss resulting from any device for aerial navigation, except as a fare-paying passenger.

THIS IS A LIMITED POLICY. IT IS NOT A SHORT-TERM MAJOR MEDICAL PRODUCT. For Pennsylvania, the product name is Supplemental Short-Term Care Insurance Policy.

Not connected with or endorsed by the United States government or the federal Medicare program. This is a solicitation of insurance and a licensed agent/producer may contact you.

Medico® is a registered trademark owned and licensed by Medico Insurance Company. ©2021 Medico Insurance Company. All rights reserved.

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Rev. 03-12-2021