Home Care Plans
Planning for Care at Home
According to the U.S. Department of Health and Human Services, nearly 70% of adults age 65 and older will need some form of long-term care during their lifetime. That means most families will face decisions about care — and how to pay for it.
Many people assume their health insurance will cover in-home assistance with daily activities such as:
- Meal preparation
- Grocery shopping
- Bathing and personal hygiene
- Dressing and grooming
- Companionship
- 24-hour non-medical care
However, programs such as Medicare, Medigap, and most Medicare Advantage plans are primarily designed to cover hospital care, physician services, and short-term skilled nursing. They generally do not cover long-term custodial or everyday assistance in the home.
That gap can create significant out-of-pocket expenses.
Our Home Care Plans are designed to help families prepare financially for non-medical home care needs — helping you maintain independence and dignity in the comfort of your own home.
Available Membership Plans
Platinum Plan
10,000 Lifetime Membership Hours
- $5,700 annually or $475 monthly
- 5% annual payment discount: $5,415
- 10% couples/domestic partners discount: $427.50 monthly (per membership)
- 15% annual payment for couples/domestic partners: $4,845 (per membership)
Gold Plan
6,000 Lifetime Membership Hours
- $3,540 annually or $295 monthly
- 5% annual payment discount: $3,363
- 10% couples/domestic partners discount: $265.50 monthly (per membership)
- 15% annual payment for couples/domestic partners: $3,009 (per membership)
Silver Plan
3,000 Lifetime Membership Hours
- 3,000 Lifetime Membership Hours
- 5% annual payment discount: $1,995
- 10% couples/domestic partners discount: $157.50 monthly (per membership)
- 15% annual payment for couples/domestic partners: $1,785 (per membership)
Bronze Plan
1,500 Lifetime Membership Hours
- $1,140 annually or $95 monthly
- 5% annual payment discount: $1,083
- 10% couples/domestic partners discount: $85.50 monthly (per membership)
- 15% annual payment for couples/domestic partners: $969 (per membership)
Why Plan Ahead?
- Protect retirement savings
- Reduce financial strain on loved ones
- Maintain independence at home
- Create a clear care strategy before a crisis occurs
Planning ahead allows you to make decisions on your terms — not during an emergency.
Important Disclosure
Home Care Plans are membership-based programs and are not health insurance policies. Benefits, hours, eligibility, pricing, and availability may vary by provider and state. Services are subject to program terms and conditions. This information is for educational purposes only and is not a guarantee of benefits.
