NEA Hospital CarePlus Insurance Plan

How the Plan Works

Pays you up to $1,450 additional cash benefits for hospital and/or skilled nursing facility stays
The NEA Hospital CarePlus Plan pays you a lump sum cash benefit depending on how long your stay is to help pay for your hospital stay and other recovery expenses.

Pays you up to $8,000 additional cash benefits for home recovery care
Hospital CarePlus Plan doesn’t stop paying once you’re out of the hospital. Since more and more patients are being released from the hospital sooner, this plan pays you additional cash to help with your recovery at home.

With this plan, you’ll collect $200 for each day you incur a covered home recovery care expense. Benefits are paid for up to 40 days per year (maximum 20 days per occurrence).* Services must be received within 90 days of discharge from the hospital and must have a home health care plan of treatment approved by Medicare or TRICARE.

That’s up to a total of $8,000 a year you won’t have to pay out of pocket for the home recovery care you need.

Plus, your Home Recovery Benefits will be PAID IN ADDITION TO your Hospital Benefits.

These home recovery benefits are designed to help cover lost income, pay for medical or adaptive home equipment, or home health aide or convenience items like a heating pad, over the counter medications, etc.

Affordable monthly premium
Thanks to the group buying power of 3.2 million NEA members, you pay an affordable group rate. See below for your economical group rate.

*At age 80, home recovery benefits reduce to a maximum of 20 days per accrual year or a maximum of $4,000. (one benefit period.)

All premiums are based on the age at enrollment and increase as you reach each new age bracket.

The company reserves the right to change rates and/or benefits on a class basis. You will be billed quarterly.

You cannot be turned down
Your acceptance in the NEA Hospital CarePlus Plan is guaranteed as long as you are age 65 or older. This means that although you will not be asked to take a medical exam or answer medical questions at the time of enrollment, insurance benefits payable are subject to your policy’s pre-existing conditions limitations.

Your spouse or domestic partner is also guaranteed acceptance as long as he or she is over age 65.

Keeps on paying if hospitalized again
Unlike some plans, this plan picks up from where you left off if you’re hospitalized again within 90 days for the same or related illness or injury. And there is no limit on the number of hospital stays per year.

Coverage you can keep for life
Many health plans end once you reach a certain age, which is when you usually need it most. The NEA Hospital CarePlus Insurance Plan is yours for as long as you want it—no matter what your age.

You can keep this coverage as long as you want provided you continue to pay your premiums when due, NEA continues the plan, you continue NEA membership and the group Master Policy stays in force.

Your spouse or domestic partner can continue this coverage as long as he or she meets eligibility requirements. If you were to die, your spouse or domestic partner can continue this coverage (see your Certificate of Insurance for more details).

Effective Date
Your coverage will become effective on the first day of the month after approval of your Enrollment Form and first premium payment are received, provided you are not confined in the hospital. If you are hospital-confined, your effective date will be when you resume your normal activity.

Pre-existing conditions
During the first 6 months of a coverage, losses incurred for Pre Existing Conditions are not covered. A Pre Existing condition means any injury or sickness, including pregnancy; diagnosed or undiagnosed, for which you have received medical care within the 6-month period prior to your coverage effective date or the date of an increase in coverage. During that time, benefits for all othr accidents or illnesses will be paid under the policy provisions. You are urged to consider this limitation before dropping any coverage you may have until the waiting period is over.

Exclusions
To help keep your rates affordable, this plan does not cover intentionally self-inflicted injuries, suicide or attempted suicide, whether sane or insane (in Missouri or Colorado, while sane)

“Confined or Confinement” means being an inpatient in a hospital due to a sickness or injury.

Hospital does not mean a nursing home, convalescent home; a place for rest, custodial care, or for the aged; a clinic; a place for the treatment of mental illness, alcoholism, or drug addiction. A place for the treatment of Mental, Nervous, or Emotional Disrders will be regarded as a Hopsital if it is part of an institution that meets the above requirements and it is listed in the American Hospital Association Guide as a general hospital.

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 the benefits are subject to the terms and conditions of the policy. Policies underwritten by the 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.

SRP-1151 A (HLA) (5464)

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