Hospital, Disability & Long-Term Care
overview
If you’re 65 and older, the NEA Hospital Income and Short Term Recovery Insurance Plan (CarePlus) provides a benefit that can help pay for some of the costs associated with a hospital stay and recovery time that your health insurance may not cover. This is in addition to your existing health insurance coverage.
Are you under age 65 and interested in hospital insurance? Please see the NEA Group Hospital Income Insurance Plan.
Pays up to $9,5001 cash benefits for hospital and home recovery for a covered injury or illness. This means you can collect $750 for your covered hospital or skilled nursing facility stay starting on day one, an additional $500 if you're in there for 14 days and an additional $200 if hospitalized or in a nursing home for more than 31 days.Receive up to $1,4502 cash benefit for hospital and/or skilled nursing facility stay ($750 on day one, $500 for 14 days and $200 for more than 31 days)Cash benefit up to $8,000 ($200 a day for up to 40 days)1You won’t lose coverage due to your age or healthUse the money to pay for expenses such as over-the-counter drugs, medical equipment, childcare and pet care, meals and lodging, private room upgrades and more Watch a brief overview of how this plan can help pay the “extra” hospital and recovery expenses Medicare or your current health care plan doesn’t pay. Enjoy greater freedom to take charge of your own care.
how it helps
During and after a hospital stay, you can receive payments regardless of any medical insurance you already have. Use the money to pay for costs not covered by Medicare, as well as pay for supportive services such as a home caregiver, childcare and more. You decide what to do with the money.
Pay an affordable group rate based on your age, thanks to the buying power of 3 million NEA members.
Acceptance is guaranteed for both you and your spouse or domestic partner over age 65 (subject to pre-existing condition limitations).
Choose to receive payments directly, or have them paid out to anyone you like, to pay for your recovery expenses.
You eat right, exercise and are in great health. Here’s why you should still consider having extra insurance for hospital stays. The average cost of a hospital stay is over $14,000 (for ages 65-74).*
How It Works
How to enroll
Learn more about the NEA CarePlus Hospital Insurance Plan
Important Information
1. At age 80, home recovery benefits reduce to a maximum of 20 days per accrual year (one benefit period), and the maximum benefit is $4,000 for recovery benefits.
2. Hospital or skilled nursing stays pay up to $1,450 cash benefit for hospital and/or skilled nursing facility stays. You can collect $750 for your covered hospital or skilled nursing facility stay starting on Day One, an additional $500 if you’re there for 14 days, and an additional $200 if you’re hospitalized or in a nursing home for more than 31 days.
* HCUP Fast Stats. Healthcare Cost and Utilization Project (HCUP). June 2018. Agency for Healthcare Research and Quality, Rockville, MD. www.hcup-us.ahrq.gov/faststats/landing.jsp.
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. Policies 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.
Underwritten by Hartford Life and Accident Insurance Company, Hartford, CT 06155
THIS IS A HOSPITAL CONFINEMENT INDEMNITY POLICY. THE POLICY PROVIDES LIMITED BENEFITS. This limited 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.
The Hartford® is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company.
Hospital Indemnity Form Series includes SRP-1151, or state equivalent.
