At a Glance

When you're recovering at home after a hospital stay, you want to keep your self-reliance, stay in control of your health care choices, and get well quickly. But without a backup plan, you may find out too late that you can't afford the home recovery care you want. You could end up settling for home health care that's just not up to your standards.

You could use your savings or retirement income to help pay for home recovery care or you can enroll in your association's Short Term Recovery Insurance Plan. This member benefit was designed to help with expenses Medicare may not cover. (Medicare covers a lot, but it was never meant to cover everything.)

The Short Term Recovery Insurance Plan provides cash benefits for Hospitalization for a covered injury or sickness ($750.00 when you're admitted to a Hospital as an Inpatient for at least one day; if your Hospital stay exceeds 14 days, an additional $500.00; after 30 days in the Hospital you'll collect another $200.00 for a total of $1,450.00), plus up to $8,000.00* each year ($200.00 a day) for your recovery afterward. The recovery benefit is provided for services including physical therapy, occupational therapy, speech therapy, nursing care, companion services, home health and homemaker services.

*At age 80 the home recovery care benefit would reduce to an annual maximum of $4,000.00 for covered services.

All about your valuable member benefit
As you probably know, Medicare is generous in what it pays for. But, it was never designed to cover everything. Home recovery care, including home nursing service, physical and occupation therapy, speech therapy, companion care, home health care and homemaker services are frequently not fully covered by Medicare. That's why your alumni association endorses the Short Term Recovery Insurance Plan for its members.

EXCLUSIVELY available to members age 65+
This benefit is not available to the general public. You’d be hard pressed to find it on your own in the general marketplace. This plan was designed for retired members and their spouses age 65 and over enrolled in Medicare to help pay for home recovery expenses Medicare doesn’t cover.

How your Recovery Plan works
The Association Short Term Recovery Plan (Recovery Plan) has two parts: a Hospital Income/Skilled Nursing Facility Benefit and a separate Home Recovery Care Benefit.

Cash benefits for Hospital Stays 
With the Recovery Plan Hospital Benefit, you’d collect $750.00 once you’re admitted to a Hospital or a Skilled Nursing Facility for at least one day for a covered Sickness or Injury - regardless if you need home recovery care later.

And, if you find you need longer care, you’d collect an additional $500.00 after 14 days in the Hospital or Skilled Nursing Facility, and another $200.00 after 30 days in the Hospital! That’s up to $1,450.00 in cash benefits you could get paid to use toward your recovery care. Benefits are paid directly to you or to anyone you designate.

Cash benefits for Home Recovery
The association Home Recovery Care Benefit pays you $200.00 in cash benefits for each day you incur a covered home recovery care expense, starting with the very first day. Benefits are paid up to 40 days per year (maximum 20 days per occurrence). That’s up to $8,000.00 in lump sum cash benefits paid directly to you — or you may assign benefits to be paid directly to the Hospital or any other health care facility in which you received care.

This benefit would be paid in addition to any other insurance coverage you may have.

When your Home Recovery benefits kick in 
You’d get paid cash benefits once Medicare or TRICARE approves just one home recovery care your doctor recommends. That’s all there is to it.

Why should you consider this coverage?
When you recover from an Injury, surgery or Sickness, you’ll want to stay independent and in better control of your care. This Recovery Plan can help you afford that peace-of-mind.

Affordable group rates 
This plan was carefully created so you can get benefits that you may need. Affordable monthly rates start at $19.95. Check out how affordable your rate is:

Monthly Rates

For your convenience, you’ll be billed quarterly. You cannot be singled out for a rate increase. Rates and/or benefits may be changed on a class-wide basis. Rates are based on your attained age and increase as you enter a new age category.

*At age 80 the home recovery care benefit would reduce to an annual maximum of 20 days or $4,000.00 for covered services.

If applicable, an additional $2 billing fee will be included on your billing notice payable to the administrator. To save the fee, select Electronic Funds Transfer (EFT) as a safe and secure payment option.

Your coverage cannot be cancelled due to health or age 
Your protection starts as soon as the first day of the month after we receive your Confirmation Form and first premium payment. Then, you can keep your Recovery Plan as long as you want. Your coverage won’t end due to age. Your spouse’s coverage ends when your coverage terminates, premiums are not paid, or the date you and your spouse are legally separated or divorced from one another. As long as the Master Policy remains in force, you only need to pay your premiums when due and remain an alumni association member to keep your protection.

Satisfaction Guaranteed 
We’ll send you an official Recovery Plan Certificate of Insurance confirming your enrollment. Take up to 30 days to decide if the plan is right for you. If you like what you see, pay your premium. If not, let us know and we’ll cancel your enrollment. No questions asked.

Pre-Existing Conditions Limitation
A Pre-Existing Condition means any Injury or Sickness, diagnosed or undiagnosed, for which medical care is received by a covered person within the 6-month period prior to the covered person’s effective date of insurance. During the first 6 months of a covered person’s insurance, losses incurred for Pre-Existing Conditions are not covered. This will not apply to loss that the covered person incurs after being free of medical care for the condition for a 6-month period (ending any time on or after his or her effective date).

Exclusions
This Plan does not cover intentionally self-inflicted Injuries, suicide or attempted suicide, whether sane or insane (while sane in Missouri and Colorado); any loss caused or contributed to by war or act of war, whether war is declared or not.

Definitions
Confined or Confinement means being an inpatient in a Hospital due to Sickness or Injury.

Skilled Nursing Facility and Hospital do not mean any institution or part thereof used primarily as: a rest home or convalescent home; a home for the aged or a place for rest of custodial care; a clinic; or a place for the care of drug addicts, alcoholics, or the mentally ill.

Periods of confinement in a Hospital separated by less than 90 days and due to the same or related causes are considered part of the same Period of Confinement.

This Plan Is Underwritten by Harford Life and Accident Insurance Company, Hartford, CT 06155.

This website explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of a discrepancy between this website and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life and Accident Insurance Company detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the Association and Society Group Insurance Trust. This program may vary and may not be available to residents of all states.

Policy Form #SRP-1151 A (HLA) (5476)

THIS IS A HOSPITAL CONFINEMENT INDEMNITY POLICY. THE POLICY PROVIDES LIMITED BENEFITS.

This limited health benefit plan (1) does not constitute major medical coverage, and (2) does not satisfy the individual mandate of the Affordable Care Act (ACA) because the coverage does not meet the requirements of minimum essential coverage.

Hospital Income and Short Term Recovery Insurance  - FAQs

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