GTL Short Term Care Insurance

We’re excited to share key takeaways from our recent webinar highlighting GTL’s Short-Term Home Healthcare — a valuable addition to your product portfolio. In this post, we’ll walk you through the essential features of the plan and why it’s an excellent fit for your clients.

Introducing GTL’s Short-Term Home Healthcare Plan

GTL’s Short-Term Home Healthcare insurance is designed to help clients manage out-of-pocket costs for in-home healthcare services, such as deductibles and co-pays.
With recent Medicare and private insurance changes leading to higher costs and reduced benefits, this plan can provide critical support, helping clients fill important coverage gaps and maintain access to the care they need at home.

How the Plan Works

The plan pays a daily benefit for each day that qualifying home healthcare services are received.
There are three plan options available, with benefits extending up to 360 days.
Eligibility requires certification from a licensed healthcare professional that the insured either:

• Has a cognitive impairment, or
• Needs substantial assistance with at least two out of six Activities of Daily Living (ADLs), including feeding, grooming, bathing, toileting, transferring, and dressing.

Where Coverage is Available

GTL’s Short-Term Home Healthcare product is currently offered in multiple states, including Alabama, Alaska, Arizona, and others. Availability varies, so it’s important to confirm your client’s state eligibility before moving forward. 

Addressing Medicare Gaps

Medicare does not cover certain essential services like:

• 24/7 home care
• Home-delivered meals
• Homemaker services
• Personal care from home health aids

GTL’s plan steps in to fill these gaps, providing your clients with coverage for services that traditional Medicare often leaves behind. 

Plan Options and Benefits

Clients can choose from three daily benefit levels:

• Plan A: $150 per day
• Plan B: $300 per day
• Plan C: $450 per day

Each plan covers a range of services, including:

• Skilled nursing care
• General nursing care
• Speech pathology
• Occupational therapy

Additionally, the plan includes daily and lifetime maximums for Home Health Aide services, ensuring broad and flexible support.

Built-In Prescription Drug Benefits

A standout feature of GTL’s offering is the Prescription Drug Benefit.
Depending on the selected plan, clients may receive reimbursement for both brand-name and generic medications, adding meaningful value and helping to offset rising prescription costs. 

Optional Riders for Enhanced Protection

For added customization, clients can enhance their coverage with optional riders such as:

• Accident and Sickness Hospitalization Rider
• Ambulance and Critical Accident Rider
• Return of Premium Upon Death Rider

These riders offer flexibility to tailor the plan to fit unique client needs and concerns.

Final Thoughts: Why GTL’s Short-Term Home Healthcare Matters

GTL’s Short-Term Home Healthcare plan is a smart, straightforward solution to address the growing needs of today’s consumers. 

Watch on YouTube- Webinar | GTL Short Term Home Care

To contract with GTL- https://www.pfsinsurance.com/spot