Ongoing Care Outside the Hospital
Protecting your health and finances, beyond hospital walls.
When you need care, Medicare may not cover everything.
Many people are surprised to learn that Medicare has strict limits on coverage for ongoing or long-term care outside the hospital. If you require extended care — whether at home, in an assisted living facility, or a nursing home, you may find that Medicare provides little or no financial support.
According to the U.S. Department of Health and Human Services, about 70% of Americans over age 65 will need some form of long-term care during their lifetime, and more than 40% will require care in a nursing home. The costs can be staggering, often over $200 per day for round-the-clock assistance.
To help safeguard your savings and ensure access to the quality care you deserve, an insurance plan designed for ongoing care can make all the difference. Mesplay Insurance Services can help you explore coverage options that protect your health, your independence, and your financial security.
Home Health
Home health plans will pay for care in your home regardless of Medicare approval.
This can include skilled nursing, physical therapy, speech therapy, and medical monitoring for patients recovering from illness, surgery, or managing chronic conditions.
Customize your coverage to fit your needs, from short-term recovery to ongoing care,while getting help from licensed nurses and therapists, remaining in familiar surroundings.
Hybrid Long Term Care
Planning for potential long-term care needs can be challenging, but it’s an important part of securing your financial future.
Hybrid long-term care solutions combine the protection of a whole life insurance policy with long-term care benefits, giving you a flexible, asset-based approach.
This type of plan helps cover care costs, protect your savings, and preserve your legacy — all while providing peace of mind for you and your loved ones.
Short Term Care
When you need care for a limited time, after an illness, injury, or hospital stay — short-term care coverage can help you recover comfortably and affordably.
Short-term care provides help with daily living and skilled medical services, but for a shorter duration, often a few weeks to several months.
Coverage can include care provided in your home, an assisted living facility, or a skilled nursing center, depending on your recovery needs.
Long Term Care
Covers Extended Care Needs – Long-term care plans help pay for more than a year of care in a nursing home, assisted living facility, or in your own home.
Medicare and traditional health insurance plans typically offer limited or no coverage for extended care, leaving families responsible for significant expenses. Long-term care insurance helps protect your savings and assets while giving you the freedom to choose the care setting that best fits your lifestyle and needs.
Planning for your care needs can feel overwhelming, but you don’t have to navigate it alone. Understanding your options and identifying the right coverage is the first step toward protecting your health, your finances, and your peace of mind.
Contact us to review your situation, explore your options, and find a plan that fits your unique needs.