Hospital Income and Short Term Recovery Insurance Plan
The Short Term Recovery Insurance Plan is designed for Military Officers Association of America (MOAA) members and spouses age 65 and older. It pays cash benefits if you're admitted to the Hospital as an inpatient for a covered Injury or Sickness. Then, it provides a benefit that helps pay for home health care expenses when you're recovering at home after the Hospital stay. You'll receive benefits for physical, speech, and occupational therapy. Benefits would be payable for nursing services by a Registered Nurse (RN) and Licensed Practical Nurse (LPN).
In some cases, you may need personal care after your Hospital stay as well. The Military Officers Association of America (MOAA) Short Term Recovery Insurance Plan provides a benefit that can help pay for a home health aide to assist you with items such as bathing and getting dressed. It can even help pay for homemaker services if you need someone to help with the laundry, shopping, cleaning, and cooking.
Pays in Addition to Medicare and TRICARE For Life
Although TRICARE For Life (TFL) and Medicare are generous in what they pay for, they don't cover everything.
For example, Medicare only covers intermittent and part-time care. In addition, it does not cover 24-hour care or homemaker services. If you need more home health care than what Medicare covers, you may have to choose between paying for it yourself or go without it. Plus, you may end up having to pay someone to do things you normally do yourself such as lawn care or home maintenance. The Short Term Recovery Benefits can help.
Note: In most cases, you can't rely on your TRICARE For Life or Medicare supplement to pick up all the home recovery costs, either. (This common misconception can really cost you if you're not careful.) TFL has strict criteria to qualify and does not cover home health aide, homemaker, or companion services at all.
As long as Medicare or TRICARE (if you're not Medicare-eligible) approves just one home health care expense for you, the Military Officers Association of America (MOAA) Recovery Plan pays.
Benefits You Can Count On
The Short Term Recovery Insurance Plan pays benefits for your Hospitalization and your recovery afterward:
- Military Officers Association of America (MOAA) Hospital and/or Skilled Nursing Facility Benefit: You'll collect $750 when you're admitted as an inpatient to a Hospital for at least one day. If your Hospital stay exceeds 14 days, you'll get an additional $500. If you're in the Hospital or 31 days or more, you'll collect another $200. Time spent as an inpatient in a Skilled Nursing Facility is also included for the purpose of calculating the Hospital benefit. Plus, your Military Officers Association of America (MOAA) Hospital and/or Skilled Nursing Facility Benefits are unlimited in the number of times you can collect it as long as your Periods of Confinement are unrelated and separated by more than 90 days. For example, if you're Hospitalized three times in one year, you're eligible to collect at least $750 each time.
- Home Recovery Care Benefits: You'll collect $200 a day for each day you incur a covered home health care expense. Benefits are paid for two benefit periods, up to 40 days per Accrual Year.* (There is a maximum of 20 days per benefit period and each benefit period must follow a separate Hospitalization.)
That's up to a total of $8,000 a year you won't have to pay out of pocket for the home recovery care you need.
* At age 80, Home Recovery Care benefits reduce to $200 a day for up to 20 days per Accrual Year (one benefit period). The Military Officers Association of America (MOAA) Hospital and/or Skilled Nursing Facility Benefits remain the same and remain unlimited, regardless of how many times you're admitted to a Hospital. 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.
Currently, all Military Officers Association of America (MOAA) members and spouses age 65 and older are guaranteed acceptance in the Short Term Recovery Insurance Plan. This means your acceptance into this plan is guaranteed. However, the insurance benefits payable are subject to the policy's Pre-Existing Conditions Limitation.
You'll have protection for new health conditions right away. Any pre-existing health conditions are not covered for 6 months, or until you've gone 6 months without treatment, whichever is sooner. (See Other Important Information for details found below.)
Your Protection Starts Right Away
Your Military Officers Association of America (MOAA) Short Term Recovery Insurance Plan will start the first day of the month after we receive your enrollment form and first premium payment.
Coverage for the Long Haul
You can keep your Military Officers Association of America (MOAA) Short Term Recovery Insurance Plan as long as you want. It won't end due to age, unlike many other insurance plans on the market. At age 80, home recovery benefits reduce from a $8,000 per year maximum to a $4,000 per year maximum. As long as the Group Master Policy remains in force, you only need to pay your premiums when due and remain an Military Officers Association of America (MOAA) member to keep your protection. Your spouse’s coverage will remain in effect as long as your coverage is active, premiums are paid, and they meet the eligibility requirements.
Whenever you have questions about your Military Officers Association of America (MOAA) Short Term Recovery Insurance Plan, simply call our toll-free helpline at 1-800-247-2192. If you have an easy question like how to submit a claim or about your premium status, our phone system will handle it quickly and efficiently.
If you have a more difficult question, you'll talk to a helpful Military Officers Association of America (MOAA) Short Term Recovery Insurance Plan expert. Our experts know the Military Officers Association of America (MOAA) Recovery Plan inside and out and will make sure you get the answers you need.
Affordable Group Rates
|Monthly Group Rates |
|Age ||Member or Spouse |
|65-69 ||$ 19.95 |
|70-74 ||$ 27.95 |
|75-79 ||$ 39.95 |
|80-84 * ||$ 39.95 |
|85+* ||$ 47.95 |
*At age 80, Home Recovery Care Benefits reduce to $200 a day for up to 20 days per Accrual Year (one benefit period). The Military Officers Association of America (MOAA) Hospital and/or Skilled Nursing Facility Benefit remains the same and remains unlimited, regardless of how many times you're admitted to a Hospital.
For your convenience, you'll be billed quarterly. You cannot be singled out for a rate increase. Your rates will not be increased or decreased unless they are increased or decreased for everyone in your classification or age group. Rates are based on individual age and increase as you enter a new age category.
Details – This is a listing of highlights for this Insurance plan. Be sure to review the entire website for a detailed plan description.
|Type of Insurance: ||Short Term Recovery |
|Designed For: ||Military Officers Association of America (MOAA) members and spouses age 65 and older |
|Underwritten by: ||Hartford Life and Accident Insurance Company, Hartford, CT 06155 |
The Hartford® is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company
|Policy Form Number: ||SRP-1151A (HLA)(5280)-1 |
|Policy Number: ||AGP-5280 |
Other Important Information
Pre-existing Condition 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.
Conditions Prior to Effective Date: 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 a 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).
Successive Periods of Coverage
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.
A Hospital must be engaged primarily in medical care and treatment of sick and injured persons on an inpatient basis, have full surgical facilities, be under the supervision of legally qualified physicians, and provide 24-hour nursing services by R.N's to qualify. A sanitarium operated by or certified by the First Church of Christ Scientist, Boston, Massachusetts, or a Skilled Nursing Facility also qualifies. A convalescent home; a place for rest; custodial care or for the aged; or a place primarily caring for mental illness, drug addiction, or alcoholism does not qualify. In certain situations, an institution for the treatment of nervous, mental, or emotional disorders is considered a Hospital under this plan.
Confined or Confinement means being an Inpatient in a Hospital due to Sickness or Injury for which a room and board charge, per diem or daily subsistence charge is made.
Exclusions and Limitations
This Plan does not cover intentionally self-inflicted injuries, suicide or attempted suicide, whether sane or insane (while sane in Missouri or Colorado).
This Web site 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 Web site and the contract, the terms of the contract 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 the insured individual. This program may vary and may not be available in all states.
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.
IMPORTANT NOTICE TO PERSONS ON MEDICARE THIS INSURANCE DUPLICATES SOME MEDICARE BENEFITS
This is not Medicare Supplement Insurance
This insurance pays a fixed dollar amount, regardless of your expenses, for each day you meet the policy conditions. It does not pay your Medicare deductibles or coinsurance and is not a substitute for Medicare Supplement insurance.
This insurance duplicates Medicare benefits when:
any expenses or services covered by the policy are also covered by Medicare.
Medicare generally pays for most or all of these expenses.
Medicare pays extensive benefits for medically necessary services regardless of the reason you need them. These include:
- physician services
- hospice care
- other approved items and services
Before You Buy This Insurance
Check the coverage in all health insurance policies you already have.
For more information about Medicare and Medicare Supplement insurance, review the Guide to Health Insurance for People with Medicare, available from the insurance company.
For help in understanding your health insurance, contact your state insurance department or state senior insurance counseling program.
Plan may not be available in all states.
The information on this site describes benefits available through this insurance program and is intended to provide a brief overview of the coverage. In the event of any conflict or inconsistency between the information on this site and the information contained in the underlying plan documents, the plan documents will in all respects control and govern. If any provision is not explained or only partially explained, your rights will always be determined under the provisions of the underlying plan documents. Insurance coverage and availability may differ by state. For complete plan details, please contact the Program Administrator, Military Officers Association of America (MOAA) Insurance Plans at 1-800-247-2192, Monday-Friday, 7:30 a.m. - 5:00 p.m. and Saturday8:00 a.m. - 1:00 p.m. Central Time.