The logo for the midwest division insurance agency

Flexible Coverage for Recovery

What is Short Term Care Insurance?

Short term care insurance helps pay for temporary care when you’re recovering from an illness, injury, or surgery. It covers care in your home or a facility, bridging the gap between hospital discharge and full recovery. It’s affordable protection that helps you focus on healing—not unexpected bills.

A nurse is holding the hand of an elderly man with a cane.

Why Have Short Term Care Insurance?

This coverage helps pay for recovery care and reduces financial stress after illness or injury.

A hand is holding a dollar sign with an arrow pointing down.

Affordable Coverage

Lower-cost alternative to long-term care insurance.

A black and white icon of a gear with a check mark inside of it.

Flexible Benefits

Covers care at home, assisted living, or skilled nursing.

A hand is holding a cross in a circle.

Focus on Healing

Financial support so you can recover without added stress.

Frequently Asked Questions

  • Is short term care insurance available in all states?

    Plan availability and benefits vary by state.

  • How long does coverage last?

    Coverage typically lasts from a few months to a year, depending on the plan.

  • Does Medicare cover short term care?

    Medicare covers limited skilled nursing care—short term care helps fill the gaps.

  • Can I apply if I have health conditions?

    Many plans offer simplified underwriting, even for seniors with health concerns.

  • How much does short term care insurance cost?

    Premiums depend on your age, health, and coverage amount.

Get Your Personalized Quote

Short term care coverage gives you financial breathing room while you recover. Let’s explore your options and find the right fit.

Share by: