Home Health Care Indemnity Policy
The need for care following a procedure or hospital stay has increased in recent years, as patients are being discharged from the hospital sooner following surgeries and other procedures. But with a home health care insurance policy, there are options.
Policy Features
- Benefits are paid directly to you, in addition to any other coverage you have – including Medicare.
- Benefits help with costs not covered by your medical insurance, like deductibles and co-pays.
- Use the money any way you choose.
- No network restrictions – use the doctor or health care provider of your choice.
- No medical exam to qualify.
- Fill the gap in your long-term care policy by receiving care at home during that policy’s elimination period
Included Benefits
With the MedMutual Protect Home Health Care Indemnity policy, fixed benefits include the following*:
- Prescriptions
- Home Health Care Services
- Home Health Care Aide
- Adult Day Care
- Home Medical Equipment
- Home Doctor Calls
- Emergency Room
- Urgent Care Center Visits
- Home Hospice Services
- Physical Therapy
- Occupational Therapy
- Speech Therapy
- Chemotherapy Specialist Services
- Enterostomal Therapy
- Respiration Therapy
- Medical Social Service
Optional Benefits
Choose the Optional benefits that include the following coverages:
- Ambulance
- Annual Physical Exams
- Eye Exams, Lenses and Frames
- Hearing Exams and Hearing Aids
- Dental Exams
Included Benefits
With the MedMutual Protect Home Health Care Indemnity policy, fixed benefits include the following*:
- Prescriptions
- Home Health Care Services
- Home Health Care Aide
- Adult Day Care
- Home Medical Equipment
- Home Doctor Calls
- Emergency Room
- Urgent Care Center Visits
- Home Hospice Services
- Physical Therapy
- Occupational Therapy
- Speech Therapy
- Chemotherapy Specialist Services
- Enterostomal Therapy
- Respiration Therapy
- Medical Social Service
Optional Benefits
Choose the Optional benefits that include the following coverages:
- Ambulance
- Annual Physical Exams
- Eye Exams, Lenses and Frames
- Hearing Exams and Hearing Aids
- Dental Exams
IMPORTANT: This is a fixed indemnity policy,
NOT health insurance
This fixed indemnity policy may pay you a limited dollar amount if you're sick or hospitalized. You're still responsible for paying the cost of your care.
- The payment you get isn't based on the size of your medical bill.
- There might be a limit on how much this policy will pay each year.
- This policy isn't a substitute for comprehensive health insurance.
- Since this policy isn't health insurance, it doesn't have to include most Federal consumer protections that apply to health insurance.
Looking for comprehensive health insurance?
- Visit HealthCare.gov or call 1-800-318-2596 (TTY: 1-855-889-4325) to find health coverage options.
- To find out if you can get health insurance through your job, or a family member's job, contact the employer.
Questions about this policy?
- For questions or complaints about this policy, contact your State Department of Insurance. Find their number on the National Association of Insurance Commissioners' website (naic.org) under "Insurance Departments."
- If you have this policy through your job, or a family member’s job, contact the employer.
*ACA plans are brokered through Summerset Marketing Company.
MedMutual Protect is the brand name for insurance products issued by subsidiary insurance companies controlled by Medical Mutual of Ohio. Each subsidiary of Medical Mutual of Ohio is solely responsible for the insurance products it underwrites and issues. Insurance benefits under Medicare Supplement Plans are underwritten by United Insurance Company of America, Reserve National Insurance Company, or MedMutual Life Insurance Company. United Insurance Company of America is not financially affiliated with Medical Mutual of Ohio. Insurance benefits under other available coverages are provided by Reserve National Insurance Company. Form numbers, availability and policy provisions may vary by state. A company agent may contact you with details about benefits, costs, limitations, exclusions, renewability and waiting periods. Each individual's eligibility is subject to underwriting guidelines. This coverage is designed to supplement, and not take the place of, "minimum essential coverage" under the federal Patient Protection and Affordable Care Act. Not affiliated with or endorsed by the U.S. Government or the Federal Medicare Program.