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NEA Hospital CarePLUS Plan
Additional Cash Protection up to $5,000.00 for Hospital and Home Recovery Expenses
Since more and more patients are being released from the hospital sooner and needing care at home, this plan goes one step further than the Traditional In-NEA Hospital Care Plan and pays additional cash benefits for your recovery care.
It was designed to help pay the "extra" hospital and recovery expenses Medicare or your current health care plan doesn’t pay and allows you greater freedom to take charge of your care.Plan Highlights:
Guaranteed acceptance for both you and your spouse or domestic partner over age 65 (subject to the Pre - Existing Condition Limitation) Pays up to $1,000.00 additional cash benefits for your hospital and/or skilled nursing facility stays Pays up to $4,000.00 cash benefits for your home recovery care * Affordable group rate Benefits paid directly to you How the Plan Works
Pays you up to $1,000.00 extra cash benefits for hospital and/or skilled nursing facility staysThe 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.
Number of Days in the Hospital/Skilled Nursing Facility
Your Cash Benefits
• 1-14 Days $300.00 • 15-30 days $650.00 • More than 31 days $1,000.00
Pays you up to $4,000.00 additional cash benefits for home recovery careHospital CarePLUS 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 $100.00 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).*
That’s up to a total of $4,000.00 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 2.7 million NEA members, you pay an affordable group rate. See below for your economical group rate.
Age Member only Member and Spouse or Domestic Partner
*At age 80, home recovery benefits reduce to a maximum of 20 days per accrual year or a maximum of $2000.00 (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 this plan is guaranteed as long as you are age 65 or older.
No medical exams. No lengthy applications to complete.
Application Form: PDF Format | HTML Format
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!Confined or Confinement
Inpatient in a hospital due to a sickness or injury.
Hospital
Hospital does not mean any institution or part thereof which is used primarily as: a nursing home, convalescent home,or skilled nursing facility: a place for rest, costodial care, or for the aged; a clinic; or a place for the treatment of mental illness, alcohol or mental illness, alcholism or drug addiction.
Lifetime benefits
Many health plans end once you reach a certain age, which is when you usually need it most.
The NEA In-HospitalPLUS 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 detail).Effective Date
Your coverage will become effective on the first day of the month after approval of your Enrollnent Form and first premium payment are received, provided you are not confined in the hospital. If you are hospital-confined, your effective day will be when you resume your normal activity.
Pre-existing Conditions:
During the first 12 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 one-year period (ending any time on or after his or her effective date). (A pre-existing condition, as used in this limitation, means any injury or sickness, diagnosed or undiagnosed, for which medical care is received by a covered person within the 12-month period prior to the covered person’s effective date of insurance.)
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)
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 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.
Underwritten by:
Harftord Life and Accident Insurance Company
Simsbury, CT 06089
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