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.
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.
These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.
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. |
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.
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 |
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Phone: 1-800-233-5764 |
Hours M-F 7a-5p CT |
Email [email protected] |
Website https://www.mercer-web.com/products/mercerhealthbenefits.html |
Insurance Company
Address Hartford Life and Accident Insurance Company One Hartford Plaza Hartford, CT 06155 |
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How does this plan work?
What benefits would I collect?
The plan would pay cash benefits for your hospitalization for a covered sickness or injury and your recovery afterward:
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?
When does my protection end?
How soon can my protection start?
Do I have to meet with an insurance agent?
What if I have second thoughts after I enroll?
How do I enroll?