Hospital Income and Short Term Recovery Insurance

Hospital Income and Short Term Recovery Insurance  

Overview

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 type of 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 NARFE Insurance Service's Hospital Income and Short Term Recovery Insurance Plan. This member benefit was designed and negotiated to help take care of the additional expense that may not be covered by other plans. Medicare and your FEHB plan respond to only those Medicare-covered services as defined in your Home Health Care plan of treatment. Unfortunately you may need additional help outside this plan of treatment. That is what the Short Term Recovery Plan is designed to do help meet those extra needs.

 

The Short Term Recovery Plan provides cash benefits. With the Hospital and/or Skilled Nursing Facility Benefit you'd collect $750.00 when you're admitted to a Hospital for at least one day. If your Hospital stay exceeds 14 days, you'd get an additional $500.00. After 30 days in the Hospital, you'd collect another $200.00. With the Home Recovery Care Benefits you'd collect $200.00 a day for each day you incur a covered home health care expense. You can receive up to $1,450.00 per Hospitalization for a covered Injury or Sickness and up to $8,000.00* each year for your recovery afterward. Covered services include physical therapy, occupational therapy, speech therapy, nursing care, companion services, home health and homemaker services. These Recovery Services will help give you peace of mind after returning from a Hospital stay.

 

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


Want More Information?

View the Forms section and download a no-obligation enrollment form and brochure containing detailed plan information including costs, exclusions, limitations and terms of coverage.

Forms

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.

 

Enrollment Form and Brochure

 

Tell Me More

  • Rate Information

    Hospital Income and Short Term Recovery Insurance Rate Information

    Monthly Group Rates
    Age Member or Spouse
    65-69 $19.95
    70-74 $27.95
    75-84* $39.95
    85+* $47.95

     

    *At age 80, Home Recovery Care Benefits reduce to 20 days per Accural Year (one benefit period).
     

    You'll be billed quarterly. If applicable, an additional $2.00 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. You cannot be singled out for a rate increase. Your rates and/or benefits will not be increased or decreased unless they are increased or decreased for everyone in your classification or age group. Rates are based on your attained age and increase as you enter a new age category.
     

    Hospital Indemnity Form Series includes SRP-1151, or state equivalent.

     

  • Plan Details

    Valuable Protection
    The Short Term Recovery Insurance Plan 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'd 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) are also covered. 

    In some cases, you may need personal care after your Hospital stay as well. The NARFE 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
    Although Medicare is generous in what it pays for, it doesn'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 going without it. 

    RecoveryCare was specifically designed to provide benefits to help pay for costs caused by a Hospital stay and recovery period. These costs include homemaker services not considered "necessary" by your doctor, gas and other travel expenses to see doctors, as well as over-the-counter medications and supplies not covered by a health insurance plan.

    If you're Medicare eligible, as long as Medicare approves just one home health care expense for you, the NARFE Recovery Plan pays. 

    Coverage You Can Count On
    The NARFE Short Term Recovery Plan pays benefits for your Hospitalization and your recovery afterward: 

    • NARFE Hospital and/or Skilled Nursing Facility Benefit: You'd collect $750.00 when you're admitted to a Hospital for at least one day, regardless of whether you need home recovery care later. If your Hospital stay exceeds 14 days, you'd get an additional $500.00. After 30 days in the Hospital, you'd collect another $200.00. That's up to a maximum of $1,450.00 per stay. Time spent as an inpatient in a Skilled Nursing Facility is also included for the purpose of calculating the Hospital benefit. Plus, your NARFE 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.
    • Home Recovery Care Benefits: You'd collect $200.00 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 occurrence.) That's a total of up to $8,000.00 a year for members under age 80 (up to $4,000.00 a year for members age 80 and over), you won’t have to pay out of pocket for the home recovery care you need.

     

    Your Acceptance is Guaranteed

    This policy is guaranteed acceptance, but does contain a Pre-Existing Condition Limitation. Please refer to this website for more information on exclusions and limitations, Such as Pre-Existing Conditions.
     

    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.
     

    Please note: We're hopeful acceptance into the Short Term Recovery Plan will always be guaranteed. However, it's unclear whether health questions or other underwriting will be necessary in the future for you to qualify.

     

    You Pay Economical Group Rates

    Thanks to the group purchasing power of more than 400,000 NARFE members, you can take advantage of the Short Term Recovery Plan at the economical rates listed below.

    Monthly Group Rates
    Age Member or Spouse
    65-69 $19.95
    70-74 $27.95
    75-84* $39.95
    85+* $47.95

     

    You'll be billed quarterly. If applicable, an additional $2.00 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. You cannot be singled out for a rate increase. Your rates and/or benefits will not be increased or decreased unless they are increased or decreased for everyone in your classification or age group. Rates are based on your attained age and increase as you enter a new age category.

    * At age 80, Home Recovery Care Benefits reduce to 20 days per year.

     

    Your Protection Can Start Right Away

    Your NARFE Short Term Recovery Plan will start the first day of the month after we receive your Enrollment Form and first premium payment (subject to the Pre-Existing Condition Limitation).

     

    Your Protection Won't End Because of Your Health or Age

    You can keep your NARFE Short Term Recovery 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 health benefits reduce from a $8,000.00 per year maximum to a $4,000.00 per year maximum. As long as the Master Policy remains in force, you only need to pay your premiums when due and remain an NARFE member to keep your protection in place. Your spouse’s coverage ceases when your coverage terminates; premiums are not paid; the Master Policy is no longer in force; or they become legally separated or divorced from you.

     

    You Get Top-Notch Service

    Whenever you have questions about your NARFE Short Term Recovery Plan, simply call our toll-free helpline at 1-800-233-5764. If you have a 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 NARFE Short Term Recovery Plan expert. Our experts know the NARFE Recovery Plan inside and out and will make sure you get the answers you need.

     

     

    Other Important Information About This Coverage

     

    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).

     

    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).

     

    Definitions

    A Hospital or a Skilled Nursing Facility does not mean any institution or part thereof used principally as a rest home, a home for the aged, or a place for custodial care; or a place for the care of drug addicts, alcoholics, or the mentally ill.
     

    Confined or Confinement means being an Inpatient in a Hospital due to Sickness or Injury
     

    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.
     

    Hospital Indemnity Form Series includes SRP-1151, or state equivalent.

     

    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.

    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:

    • hospitalization
    • physician services
    • hospice
    • 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.

    Form PA-9055
    Printed in U.S.A.

Eligibility

Where available Coverage may not be available in all states.
Coverage is not available for overseas residents.
Notes NARFE members and spouses age 65 and over who are enrolled in Medicare or TRICARE are eligible.

 

Details

Type of Insurance Short Term Recovery
Designed For NARFE members and spouses age 65 and older.
Form Number Hospital Indemnity Form Series includes SRP-1151, or state equivalent
Group Policy Number AGP-5384
Underwritten by Hartford Life and Accident Insurance Company

The Hartford® is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company.

 

Important Notes:

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. Polices 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 policyholder. This program may vary and may not be available to residents of all states.

Contact Us

We're here to help! Please contact us in whatever manner is most convenient for you.

Program Administrator

 Address
NARFE Insurance Plans
12421 Meredith Drive
Urbandale, IA 50398
 Phone:
1-800-233-5764
 Hours
 M-F 7a-5p CT
 Email
narfe.service@mercer.com
 Website
https://www.mercer-web.com/products/mercerhealthbenefits.html


Insurance Company

 Address
Hartford Life and Accident Insurance Company
One Hartford Plaza
Hartford, CT 06155
 Website
http://www.mercer-web.com/products/thehartford.html

FAQs

  • How does this plan work?

    The Short Term Recovery Insurance 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 each day that a covered home health care expense is incurred when you're recovering at home after the Hospital stay. This benefit is available when your doctor says that you need care at home and Medicare has approved the home recovery care your doctor recommends. 

    Your cash benefit provided by the Short Term Recovery Plan can be used for your personal care after the Hospital stay to pay for a Home Health Aide to assist you with items such as bathing and getting dressed. It could even helps to cover homemaker services if you need someone to help with your laundry, shopping, cleaning and cooking. 

  • What benefits would I collect?

    The plan would pay cash benefits for your hospitalization for a covered sickness or injury and your recovery afterward:

    1. Hospital Benefit: You'd collect $750 when you're admitted to a Hospital as an Inpatient for at least one day, regardless of whether you need home recovery care later. If your hospital stay exceeds 14 days, you'd get an additional $500. After 30 days in the Hospital, you'd collect another $200.
    2. Home Recovery Care Benefits: You'd collect $200 a day for each day you incur a covered home health care expense. Benefits are paid to you or anyone you choose for benefit periods, up to 40 days* per Accrual Year. (Maximum of 20 days per occurrence.)
       

    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 20 days per Accrual Year and an annual maximum of $4,000 (one benefit period).

  • Who can sign up?

    All members and their spouse, age 65 and older, and enrolled in Medicare or TRICARE, are guaranteed acceptance into this plan. This policy is guaranteed acceptance, but does contain a Pre-Existing Condition Limitation. Please refer to this website for more information on exclusions and limitations, such as Pre-Existing Conditions. This plan is yours for the asking.

  • When does my protection end?

    You can keep the Short Term Recovery Plan as long as you want. Your coverage won't end due to age. At age 80, home health benefits reduce from a $8,000.00 per year maximum to a $4,000 per year maximum. As long as the Master Policy remains in force, you only need to pay your premiums when due and remain a NARFE member to keep your protection. Your spouse’s coverage ceases when your coverage terminates; premiums are not paid; the Master Policy is no longer in force; or they become legally separated or divorced from you.

  • How soon can my protection start?

    Your protection starts as soon as the first day of the month after we receive your Enrollment Form and first premium payment.

  • Do I have to meet with an insurance agent?

    Issuance of this policy is handled over the Internet and the mail. You can review the materials in the privacy of your home and purchase your policy directly through the mail without meeting with an agent. You can, of course, talk to a licensed representative if you'd like by calling 1-800-233-5764.

  • What if I have second thoughts after I enroll?

    You will have 30 days from the date of receipt to review the insurance Certificate. If you are not satisfied with the terms of the Certificate, simply return it to the Insurance Administrator and any premiums paid will be refunded in full, minus any claims paid.

  • How do I enroll?

    Visit the Forms section and download a no-obligation enrollment form and brochure containing detailed plan information including costs, exclusions, limitations and terms of coverage. You can also call our toll free number 1-800-233-5764 to learn more about the NARFE Short Term Recovery Plan. 

    Hospital Indemnity Form Series includes SRP-1151, or state equivalent

Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.