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. Original Medicare covers some home health care if you qualify, but not around-the-clock care, or help with daily activities when that is the only care you need.
Care in your own home. · Benefits paid on a fixed schedule. · Plans vary by state.
Pick a time that works for you. A short, relaxed 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 →Have Medicare questions too? See the Medicare options I can walk you through.
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 may not fully cover, depending on your situation.
✓ 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.
✓ Fixed-amount benefits paid on a set schedule, as the policy describes.
✓ Optional riders may be available, depending on the plan and your state.
Benefit amounts, riders, issue ages, availability, and exact terms vary by insurance company, plan, and state. Nothing here is a quote. Always review the official outline of coverage before deciding.
A focused set of benefits designed to help ease the financial pressure 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.
Many plans pay fixed amounts directly to you. I’ll show you how each plan pays before you decide.
Add coverage where you want it most. Available riders vary — I'll walk you through the options.
I explain how each plan works, what it pays, and what it excludes before you decide anything.
Short-term home health care plans differ by insurance company. I’ll lay out what’s available in your state side by side.
How much the plan pays per day or per visit of covered care.
How long benefits can be paid during a recovery.
Waiting periods, exclusions, and any pre-existing condition limitation.
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 list above shows what to compare, not the features of any specific plan.
This is short-term home health care coverage, not long-term care insurance, and not a replacement for Medicare. Here's how benefits are often triggered — in plain language.
✓ Many plans require a licensed health care practitioner to certify that you need qualifying care — often 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.
✓ A pre-existing condition limitation and other terms may apply. The exact rules are in each 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 short review can help you decide.
You have a surgery coming up, or you want a plan in place before you need one. Issue ages vary by plan.
You'd rather heal in your own home than worry about the costs of in-home nursing and aide care.
You know Original Medicare doesn't cover every kind of care at home, like help with daily activities when that is the only care you need, and you want fixed benefits to lean on during a recovery.
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.
Pick a time or call me directly. We'll talk through your situation — no obligation.
I confirm which plans are available in your state and walk you through how the benefits actually work.
We compare the plans available to you, 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. There’s no charge for my help. I’m paid by the insurance companies whose plans I offer, not by you.
A few of the questions I hear most often about home health care coverage.
Original Medicare covers part-time or intermittent skilled home health care if you're homebound and meet Medicare's rules. It doesn't cover 24-hour care at home, or personal care with daily activities when that is the only care you need. This plan is separate from Medicare and pays its own fixed benefits for covered short-term care, subject to the policy's terms.
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, the plan, riders, and your state. I'll give you real numbers during your review — never a guess on this page.
Renewal terms differ by plan. I’ll show you the renewal provision in the outline of coverage before you apply.
Availability and exact benefits vary by state. I'll confirm what's offered where you live before we go any further.
A short, no-pressure review to see whether home health care coverage belongs in your plan.
Humam Khan is a licensed independent insurance agent (NPN 21747250), licensed in Ohio, Michigan, Texas, Georgia, Tennessee, South Carolina, Louisiana, Washington, Virginia and West Virginia. We are not connected with or endorsed by the United States government or the federal Medicare program.
We do not offer every plan available in your area. Currently we represent 3 organizations which offer 20 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
TTY users may call 1-877-486-2048. 1-800-MEDICARE is available 24 hours a day, 7 days a week, except some federal holidays.
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 insurance companies I am appointed with. Benefit amounts, riders, limitations, exclusions, a pre-existing condition limitation, issue ages, and availability vary by insurance company, state, and plan, 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.
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