What is Recovery Care insurance?

Recovery Care (also called Short-Term Convalescent or Nursing Home insurance) is a supplemental plan that pays cash benefits if you need care in a skilled nursing facility, assisted living center, or at home after an injury, illness, or hospital stay.

It’s designed to cover the period when you’re recovering but not fully independent — when Medicare’s limited skilled nursing benefits may have ended, yet you still need daily help or therapy.

What does Recovery Care cover?

Coverage varies by plan, but most include:

  • Daily cash benefit for each day you’re in a skilled nursing or rehabilitation facility
  • Home recovery benefits for in-home care or therapy
  • Assisted living benefits for extended recovery needs
  • Optional hospital confinement benefits that pair with your Hospital Indemnity plan

You can use the cash to pay for medical or personal needs — there are no network restrictions or approvals required.

Why Recovery Care matters

Medicare and most Advantage plans only pay for up to 20 days of skilled nursing at full coverage after a qualifying hospital stay — and partial coverage up to day 100. After that, you’re on your own.

Recovery Care insurance fills that gap by providing:

  • Predictable daily income when you need extended rehab
  • Protection for savings while you regain independence
  • Flexibility to receive care where it’s most comfortable for you

How much does it cost?

Premiums are typically $20–$45 per month, depending on age and daily benefit level. Because benefits are paid in cash, you control how and where to use them.

The Bridge Between Hospital and Home

Recovery Care coverage helps ensure that an illness or injury doesn’t turn into a financial setback. Whether you need a few weeks in rehab or help at home, it gives you peace of mind and flexibility while you heal.

We explain how it works — and how to combine it with Hospital Indemnity and Critical Illness — in the Medicare Made Easy Webinar.

In under an hour, you’ll learn:

How Recovery Care fills the gap after Medicare’s nursing coverage ends

The difference between skilled, custodial, and home recovery benefits

How to bundle this protection into your complete Snap Package

👉 Watch the Medicare Made Easy Webinar

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