Short-term home health care insurance helps pay for skilled and general nursing care, home health aides, and therapy in your own home after a hospital stay, surgery, or illness — the kind of day-to-day care Original Medicare was never built to cover for the long run.
Care in your own home. · Benefits paid on a fixed schedule. · Renewable for life.
Pick a time that works for you. A relaxed 15-minute call to see whether home health care coverage fits your situation — no obligation.
Choose a time →Prefer to talk now? Call and you'll reach me, Humam Khan — a licensed agent, not a call center.
(614) 295-9485 →Home health care often pairs with a Medicare review. See how the pieces fit together for your coverage.
View Medicare →When you come home from the hospital, recovery doesn't stop at the door. Short-term home health care insurance is a fixed-benefit policy that helps cover in-home nursing, home health aide services, and therapy during your recovery — expenses that primary medical coverage often leaves on your shoulders.
✓ Skilled & general nursing care delivered in the comfort of your own home.
✓ Home health aide services to help during your recovery period.
✓ Therapy coverage — including physical and occupational therapy on your road to recovery.
✓ Prescription drug reimbursement built into the plan.
✓ Optional riders let you add coverage tailored to your needs.
✓ Renewable for life — the plan stays with you year after year.
Benefit amounts, riders, availability, and exact terms vary by state and by the plan option you choose. Figures shown are general plan features, not a quote. Always review the official outline of coverage before deciding.
A focused set of benefits designed to take the financial pressure off while you heal at home.
Financial support for skilled and general nursing care provided where you're most comfortable — at home.
Help with the day-to-day support that recovery requires, covered through your benefit period.
Coverage designed to include physical and occupational therapy as you work back toward independence.
Built-in prescription drug reimbursement helps offset medication costs during recovery.
Add coverage where you want it most. Available riders vary — I'll walk you through the options.
A household discount may apply when more than one person in your home enrolls in coverage.
The Secure Choice Short-Term Home Health Care plan comes in three options, so you can match coverage to your needs and budget. I'll help you compare them side by side.
Essential home health care protection for a straightforward recovery.
A balanced middle option with broader benefits for most recoveries.
The highest-benefit option, for the broadest in-home recovery support of the three.
Specific benefit amounts, daily limits, and rider availability differ by plan option and by state, and are subject to underwriting and the official outline of coverage. The comparison above describes general differences between options, not exact dollar figures or a quote.
This is short-term home health care coverage, not long-term care insurance, and not a replacement for Medicare. Here's how benefits are generally triggered — in plain language.
✓ A licensed health care practitioner certifies that you need qualifying care — generally a cognitive impairment, or the inability to perform two of six daily living activities without substantial assistance.
✓ Covered care is intended to be short-term — the kind that follows a hospital stay, surgery, or acute illness.
✓ Benefits can restore after a continuous period without covered services, subject to the policy's terms.
✓ A pre-existing condition limitation and other terms apply. The exact rules are in your policy.
This is a fixed-benefit, short-term home health care policy that pays benefits on a defined schedule. It is not comprehensive health coverage and is not a substitute for major medical insurance, Medicare, or long-term care insurance.
Home health care coverage tends to make the most sense for people in these situations. A quick review is the best way to know for sure.
The plan is available for adults between issue ages 40 and 85, with options that fit a range of needs.
You'd rather heal in your own home than worry about the costs of in-home nursing and aide care.
You know Original Medicare wasn't designed to cover extended day-to-day care at home, and you want a plan for that gap.
You'd rather have a single licensed agent who knows your full picture than juggle call centers.
Four steps from first conversation to coverage in place — at your pace.
Grab a 15-minute slot or call me directly. We'll talk through your situation — no obligation.
I confirm the plan is available in your state and walk you through how the benefits actually work.
We compare Basic, Standard, and Complete, plus any riders, so you choose with full clarity.
If it's right for you, I help you apply. If it's not, I'll tell you that too.
Every question about your home health care coverage is handled personally by me, Humam Khan, a licensed independent agent. No phone trees, no handoffs, no pressure — just straightforward guidance, and my help is always free to you.
A few of the questions I hear most often about home health care coverage.
Original Medicare was never built to cover extended day-to-day care at home. This plan helps fill that gap with fixed benefits for short-term in-home care.
No. This is short-term home health care coverage for recovery periods, not long-term care insurance. They're different products with different purposes.
No. It's a fixed-benefit policy that works alongside your primary coverage. It does not replace major medical insurance or Medicare.
Premiums depend on your age, plan option, riders, and state. I'll give you real numbers during your review — never a guess on this page.
The plan is renewable for life, so it stays with you year after year as long as you keep it in force, subject to its terms.
Availability and exact benefits vary by state. I'll confirm what's offered where you live before we go any further.
A free, no-pressure review — fifteen minutes to see whether home health care coverage belongs in your plan.
Humam Khan | HK Insurance is a licensed independent insurance agency (NPN 21747250). We are not connected with or endorsed by the United States government or the federal Medicare program.
This page describes short-term home health care insurance, a fixed-benefit policy. It is not long-term care insurance, not major medical or comprehensive health coverage, not a Medicare Supplement or Medigap policy, and it does not replace Medicare. It is not a substitute for major medical coverage.
Coverage is offered through Heartland National Life Insurance Company. Benefit amounts, riders, limitations, exclusions, a pre-existing condition limitation, issue ages, and availability vary by state and by plan option, and all coverage is subject to underwriting approval and the terms of the policy. The information on this page is a general summary for educational purposes only, is not an insurance contract or an offer of coverage, and is not a quote. Always review the official outline of coverage for complete details before making a decision.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
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