RecoveryCare 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 healthcare 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. RecoveryCare 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 and TRICARE For Life
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 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 healthcare expense for you, ROA's RecoveryCare Plan pays.
Coverage You Can Count On
The RecoveryCare Plan pays benefits for your hospitalization and your recovery afterward:
- ROA Hospital and/or Skilled Nursing Facility Benefit: You'll 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'll get an additional $500.00. After 30 days in the Hospital, you'll collect another $200.00. That's up to a maximum of $1,450.00 per year. Time spent as an inpatient in a Skilled Nursing Facility is also included for the purpose of calculating the Hospital benefit. Plus, your ROA Hospital Benefit is unlimited in the number of times you can collect it. For example, if you're hospitalized three times in one year, you'll collect at least $750.00 each time.
- Home Recovery Care Benefits: You'll collect $200.00 a day for each day you incur a covered home healthcare 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 maximum 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
All ROA Members and their spouse who are age 65 or older and enrolled in Medicare or TRICARE are guaranteed acceptance into the RecoveryCare Plan. This means that insurance benefits payable are subject to your 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.
Please note: We're hopeful acceptance into the RecoveryCare 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 66,000 ROA Members, you can take advantage of the RecoveryCare Plan at the economical rates listed below.
Monthly* Group Rates
Member or spouse
*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 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 $200.00 a day for up to 20 days per year. The ROA Hospital Benefit remains the same and remains unlimited, regardless of how many times you're admitted to a Hospital.
Your Protection Can Start Right Away
Your ROA 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 RecoveryCare 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 ROA 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 RecoveryCare Plan, simply call our toll-free helpline at
. 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 RecoveryCare Plan expert. Our experts know the 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.
For the purposes of this limitation, we will consider:
a) Medical care received when:
1) a physician is consulted or medical service is given; or
2) treatment is recommended or prescribed by, or received from a physician
b) Treatment to include but not be limited to, any:
1) medical examination, test, attendance, or observation;
2) medical services, supplies or equipment, including their prescription or use; or
3) prescribed drugs or medicines, including their prescription or use.
All manifestations, symptoms, or findings which result:
a) from the same or related accident or sickness; or
b) from any aggravations of accident or sickness;
are considered to be the same accident or sickness for the purpose of determining a
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).
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.
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.
||This plan is not available in AZ, ID, LA, MN, MT, NM, NV, OR, SD, VT, WA and WV
||Association members and spouses age 65 and over are eligible.
|Type of Insurance
||Hospital Income and Short Term Recovery
||Association members and spouses age 65 and over
||SRP-1151 A (HLA) (5338)
|Group Policy Number
||65 and above
||Hartford Life and Accident Insurance Company
|*This is a listing of highlights for the above Insurance plan. Be sure to review the entire web site for a detailed plan description.
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:
- physician services
- 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.