When you're recovering at home after an inpatient hospital stay, you want to keep your self-reliance; stay in better 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 use Military Officers Association of America (MOAA's) Short Term Recovery Insurance Plan. This member benefit was designed and negotiated to help with expenses Medicare may not cover. (Medicare covers a lot, but it was never meant to cover everything.)
You or anyone you choose can collect up to $1,450 in cash benefits for each inpatient Hospital and/or Skilled Nursing Facility stay for a covered Injury or Sickness - even if you don't need home health care afterwards.
Following your Hospitalization, the Home Recovery Benefit will kick-in as soon as TRICARE or Medicare approves any post-Hospital home recovery treatments your doctor recommends as long as services are received within 90 days of discharge.
With the Home Recovery Benefit 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.)
*At age 80 or if you are already age 80, Home Recovery Care benefits reduce to $200 a day for up to 20 days per Accrual Year (one benefit period).
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.
How the plan works
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.
The Short Term Recovery Insurance Plan pays benefits for your Hospitalization and your recovery afterward:
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 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.
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 $4,000 per year maximum. As long as the Group Master Policy remains in force, you only need to pay your premiums when due and remain an Military Officers Association of America (MOAA) member to keep your protection. Your spouse’s coverage will remain in effect as long as your coverage is active, premiums are paid, and they meet the eligibility requirements.
Whenever you have questions about your Military Officers Association of America (MOAA) Short Term Recovery Insurance Plan, simply call our toll-free helpline at 1-800-247-2192. If you have an easy question like how to submit a claim or about your premium status, our phone system will handle it quickly and efficiently.
If you have a more difficult question, you'll talk to a helpful Military Officers Association of America (MOAA) Short Term Recovery Insurance Plan expert. Our experts know the Military Officers Association of America (MOAA) Recovery Plan inside and out and will make sure you get the answers you need.
|Monthly Group Rates|
|Age||Member or Spouse|
|80-84 *||$ 39.95|
*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.
Additional Plan Details
|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:||Hospital Indemnity Form Series includes SRP-1151, or state equivalent.|
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).
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.
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 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 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.
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 Saturday, 8:00 a.m. - 1:00 p.m. Central Time.
We're here to help! Please contact us in whatever manner is most convenient for you.
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| Insurance Company Address
Hartford Life and Accident Insurance Company
One Hartford Plaza
Hartford, CT 06155
What benefits would I collect?
This plan would pay for cash benefits for your hospitalization for a covered sickness or injury and your recovery afterward:
That's up to a total $9,450 per year*. You won't have to pay out of pocket for the home recovery care you need. Plus, your Hospital Benefit is 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'll collect at least $750 each time.
Conditions for which you've received medical care or treatment in the 6 months before your effective date will be covered after you’ve been in the plan for 6 months; or when you've gone 6 months without treatment for the condition, whichever is sooner.
* At age 80, Home Recovery Care Benefits reduce to $200 a day for you up to 20 days per Accrual Year (one benefit period and an annual maximum of $4,000).
How does this plan work?
The Short Term Recovery Plan pays you cash benefits once you’re admitted to the hospital as an Inpatient. Or you may assign benefits to be paid directly to the hospital or any other health care facility in which you receive care.
This plan also pays a cash benefit 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. Nursing services by a Registered Nurse (RN) and Licensed Practical Nurse (LPN) are also covered.
In some cases, you may need personal care after your hospital stay as well. The Short Term Recovery Plans pays for a Home Health Aide to assist you with items such as bathing and getting dressed. It even covers homemaker services if you need someone to help with your laundry, shopping, cleaning and cooking.
When does my protection end?
How soon can my protection start?
Who can sign up?
Do I have to meet with an insurance agent?
What if I have second thoughts after I enroll?
How do I enroll?