Do You Have Aging Parents? Help Protect Their Care at Home Before a Crisis Happens
Watch the Short Overview
About home health care
Who is a Home Health plan for
This plan is a good fit for people who want to 1) Plan ahead for the unknown 2) Add to their budget 3) Protect their quality of life 4) Lessen the burden on their family or friends.
Why you should consider obtaining Home Healthcare plan?
- Create a funding source for care at home
- Create additional funding when Medicare or the VA already pays the Home Health bill
- Help support non-medical day-to-day care you need
- Give you more flexibility and peace of mind
- Bring in an additional funding source for funeral expenses when you do go on hospice
Why having a separate Home Health Plan matters
Many people assume their Medicare plan will fully protect them if they ever need help, especially at home. What they often find out later is that some medically-based services may be covered, but everyday non-medical help is much harder to fund. That can leave people relying on family, draining savings, or feeling pushed toward a facility simply because they do not have enough support at home.
We are here to help you understand that gap and explore a strategy that may help create a funding source for the kind of support that makes daily life easier.
Can I still buy the plan if I have pre-existing conditions?
Pre-existing conditions are fine but have a six month waiting period for Home Health benefits. All other benefits and new conditions are available for immediate benefit. All that matters is that you are NOT in a skilled nursing facility or on current Home Health benefits.
Understanding Home Healthcare
Many people assume home healthcare is fully covered the way they expect. In reality, there is often a big difference between medical home healthcare and non-medical home healthcare, and that gap can create real stress for families.
What is Medical Home Healthcare
Medical home healthcare may include services like skilled nursing, physical therapy, occupational therapy, speech therapy, respiratory therapy, and wound care. In some situations, Medicare may help cover these medically-based services.
What is Non-Medical Home Healthcare
Non-medical home healthcare may include help with bathing, dressing, meals, bedding changes, light housekeeping, mobility support, and other day-to-day needs at home. This is often the kind of support families need most, and it is also where many people discover they have the biggest gap.
Is this Home Health plan expensive
Assuming you qualify, it’s actually very affordable. This is what is called an indemnity plan which reimburses you for many things you likely are using today. For instance, $25 per medication filled(up to $600/yr), $200 for a physical, $100 per Dental visit(up to 2/yr). This money can be used to offset your annual premiums and now you have an affordable Home Health plan when you need it.
How This Strategy May Help
By putting a separate Home Health plan in place, this helps individuals and families bring in additional resources when you need it most. This funding strategy will create cash benefits for care at home. Depending on eligibility and plan design, it may provide access to substantial benefits that can help support medical & non-medical home healthcare and give families more flexibility.
Details about the plan
Details about the Home Health Plan
How much Home Healthcare benefit is there in these plans?
Up to $180,000 in one year. And if you ever go 6 months without utilizing the benefit, it goes back to zero. If you utilize the full $180,000 without a 6 month gap, you’ve exhausted the benefit and the plan ends.
How long can I keep the plan
One of the great things about this plan is once you get the plan in place, you can keep as long as you want. There is no expiration or Age Out date.
Who is eligible to apply
- Anyone under the age of 86 and can meet the following criteria:
- You cannot currently be in a Skilled Nursing facility?
- You cannot currently be receiving Home Health benefits?
You CAN have pre-existing conditions but cannot utilize the Home Health benefits of the plan for 6 months from symptoms stemming from that pre-existing condition. All other symptoms are eligible for immediate benefit.
How much does this plan cost
This plan is an Indemnity Plan, meaning it pays directly to you regardless of what things cost you. We submit a claim, you get a check that correlates with a specific schedule(request brochure to see payout schedule). There are indemnity benefits outside of Home Health specific benefits to help you offset the cost of premium. This makes the plans even more affordable for you.
Cost of Plan before Reimbursements for everyday expenses:
Age 18-60 is $771.60 per year, Age 61-75 is $1178.50 per year, Age 76-86 is $1666.50 per year for life.
Everyday care and Preventative Care Reimbursements totaling up to $1180 per year:
- $600 - $25 per Rx(up to $600 per year)
- $200 for annual Physical Exam
- $200 - $100 per Dental exam(up to 2 per year)
- $80 - for annual Vision Exam
- $100 - for annual Hearing exam
Example Net Costs: If you’re on 2 prescriptions(1), get a physical(2) and your teeth cleaned(3)...this drops your net price of the plans for Ages 18-60=-$218.40(you made money), Ages 61-75=$178.50, Ages 76+ $666.50 per year. Great value to have access to $180,000 worth of benefit.
request your brochure today to find out more
this strategy may be a fit for your situation.
Explore Other Home Healthcare Topics
What Is a Home Health Plan?
A Home Health Plan is designed to provide financial support for qualifying home health-related needs. It can help create added flexibility for individuals and families who want protection beyond what they may already have in place. For many seniors, this type of plan becomes especially important when planning for future care needs at home while trying to stay within a limited monthly budget.
Who Should Consider a Home Health Plan?
A Home Health Plan may be worth considering for seniors, retirees, and families who are concerned about the cost of future care at home. It may also be helpful for people who want to prepare for unexpected health-related expenses while protecting savings and maintaining greater financial stability. For Arizona residents living on a limited budget, planning ahead can make a meaningful difference.
Why Medicare May Not Cover All Home Care Costs
Many people believe Medicare will cover all home care needs, but coverage can be limited depending on the situation. Families are often surprised to learn that ongoing support, non-medical assistance, and other day-to-day care needs may still create out-of-pocket expenses. That is why many people explore additional protection to help fill possible gaps and reduce financial strain.
How a Home Health Plan Can Help Seniors on a Limited Budget
For seniors on a limited budget, even a temporary care need can create financial pressure. A Home Health Plan may help provide added financial flexibility for qualifying situations, making it easier to manage costs without placing the full burden on personal savings. This can be especially valuable for Arizona families who want to prepare ahead rather than react during a stressful time.
Can I Apply If I Have Pre-Existing Conditions?
Eligibility depends on the specific plan and the underwriting guidelines that apply at the time of application. Some applicants may still qualify even if they have certain health concerns. The best way to know what options may be available is to review your situation with MAPFL and compare plans based on your needs, budget, and health history.
How Much Does a Home Health Plan Cost?
The cost of a Home Health Plan can vary based on age, plan design, benefit structure, and other factors. For many people, the goal is to find a plan that offers meaningful support while still fitting into a manageable monthly budget. MAPFL helps Arizona clients compare available options and choose coverage based on both affordability and long-term value.
Why Arizona Families Review Home Health Plan Options
Arizona families often look for practical ways to prepare for future care costs without overextending their budget. A Home Health Plan can be one way to add financial protection and improve peace of mind. MAPFL works with people in Phoenix and across Arizona who want straightforward guidance, affordable options, and a better understanding of how to prepare for possible care expenses at home.
Talk to MAPFL About Your Home Health Plan Options
If you are concerned about future home care costs and want to see whether a Home Health Plan may fit your needs, MAPFL can help. We work with Arizona clients who want simple guidance, personalized support, and coverage options that make sense for their budget. Contact MAPFL today to review your options and request a quote.
Frequently Asked Questions About Home Health Plans
What is the home healthcare gap for aging parents?
What does medical home healthcare usually include?
What does non-medical home healthcare usually include?
Who is this type of home health plan for?
Can someone with pre-existing conditions still apply?
Who is eligible to apply for the plan?
How much home healthcare benefit is available?
How much does the plan cost?
Is the plan expensive?
How long can someone keep the plan?
Key Takeaways
- Many seniors on a limited budget are not fully prepared for the cost of care at home.
- Medicare Advantage may not fully cover non-medical home care needs.
- A home healthcare plan may help provide an additional source of financial support.
- Non-medical home care costs can add up quickly over time
- Reviewing plan benefits, reimbursement options, and eligibility details is an important step before enrolling.
About the Author
Mario Lizarraga helps individuals and families understand insurance and financial protection options, including coverage strategies that may help support future care needs at home. MAPFL serves Arizona clients who want straightforward guidance and practical planning solutions.
For personalized help, contact MAPFL directly.
Next Steps / CTA
- Eligibility
- Pre-existing conditions
- Benefit structure
- Reimbursement options
- Monthly cost
- How the plan may help support care-at-home planning