Manage My Account | Need help? Call 1-800-289-2763 | Not a Member?

The American Society of Mechanical Engineers (ASME)

Short-Term Medical Insurance
  • Overview
  • Tell Me More
  • FAQs
  • Forms
  • Contacts

Hospital Income and Short Term Recovery Insurance Plan

At a Glance

When you're recovering at home after a hospital stay, you want to keep your self-reliance — stay in control of your health care choices — and get well quickly. But without a backup plan, you may find out too late that you can't afford the home recovery care you want. You could end up settling for home health care that's just not up to your standards.

You could use your savings or retirement income to help pay for home recovery care or you can enroll in your association's Short Term Recovery Insurance Plan. This member benefit was designed and negotiated to help with expenses Medicare may not cover. (Medicare covers a lot, but it was never meant to cover everything.)

The Short Term Recovery Plan provides cash benefits for Hospitalization for a covered injury or sickness and your recovery afterward. The recovery benefit is provided for the following  services including physical therapy, occupational therapy, speech therapy, nursing care, companion services, home health and homemaker services.

With the Recovery Plan Hospital benefit, you'd collect $750 once you're admitted to a Hospital or Skilled Nursing Facility as an Inpatient for at least one day due to a covered sickness or injury - regardless of whether you need home recovery care later.

And, if you find you need longer care, you'd collect an additional $500.00 after 14 days staying in a Hospital or Skilled Nursing Facility. Another $200.00 after 30 days in the Hospital! That's up to $1,450.00 in cash benefits you could get paid to use toward your recovery care. Benefits are paid directly to you or to anyone you designate.

The Home Recovery Care Benefit pays you $200.00 in cash benefits for each day (from the very first day) you incur a covered home recovery care expense. Benefits are paid up to 40 days per year (maximum 20 days per occurrence).  That's up to $8,000.00* in lump sum cash benefits paid directly to you or you may assign benefits to be paid directly to the Hospital or any other health care facility in which you received care up to $9,450* each year.

*At age 80 the home recovery care benefit would reduce to an annual maximum of $4,000.00 for covered services.

SRP-1151 A (HLA) (5421)

Hospital Income and Short Term Recovery Insurance Plan

All about your valuable member benefit

As you probably know, Medicare is generous in what it pays for. But, it was never designed to cover everything. Home recovery care, including home nursing service, physical and occupation therapy, speech therapy, companion care, home health care, and homemaker services, are frequently not fully covered by Medicare. That’s why ASME negotiated this benefit for you.

EXCLUSIVELY available to ASME members age 65+

This benefit is not available to the general public. You’d be hard pressed to find it on your own in the general marketplace. This plan was designed for retired members and their spouses age 65 and over enrolled in Medicare to help pay for home recovery expenses Medicare doesn’t cover.

How your Recovery Plan works

The ASME Short Term Recovery Insurance Plan (Recovery Plan) has two parts: a Hospital Income/Skilled Nursing Benefit and a separate Home Recovery Care Benefit.

Hospital Cash Benefits

With the Recovery Plan Hospital Benefit, you’d collect $750.00 once you’re admitted to a Hospital or a Skilled Nursing Facility as an Inpatient for at least one day for a covered sickness or injury – regardless if you need home recovery care. Benefits are paid directly to you or to anyone you designate.

And, if you find you need longer Hospital care, you’d collect an additional $500.00 after 14 days in the Hospital. Another $200.00 after 30 days in the Hospital! That’s up to $1,450.00 in cash benefits you could get paid to use toward your recovery care.

Home Recovery Cash Benefits

The Association Home Recovery Care Benefit pays you $200.00 in cash benefits for each day (from the very first day) you incur a covered Home Recovery Care Expense. Benefits are paid up to 40 days per year (maximum 20 days per occurrence). That’s up to $8,000.00* in lump sum cash benefits paid directly to you, or anyone you may assign, to help you with your recovery expenses.

And this benefit would be paid in addition to any other insurance coverage you may have.

When your Home Recovery benefits kick in

You’d get paid cash benefits when your doctor says you need care in your home after a Hospital stay, and Medicare approves the home recovery care your doctor recommends. That’s all there is to it.

Why you should consider this coverage

When you recover from an Injury, surgery or Sickness, you’ll want to stay independent and in better control of your care.  With a backup plan like the Recovery Plan, you may be able to better afford the care you want.

The Association Recovery Plan helps put you in charge of your care. And with this plan, you have protection to help you confidently make the home recovery care choices you want.

Affordable group rates

This plan was carefully created so you can get benefits that you may need. Affordable monthly rates start at $19.95. That’s less than a dollar a day. Check out how affordable your rate is:

Monthly Rates

Monthly Group Rates
Age Member or Spouse
65-69 $19.95
70-74 $27.95
75-84* $39.95
85+* $47.95

For your convenience, you’ll be billed quarterly. You cannot be singled out for a rate increase. Rates and/or benefits may be changed on a class-wide basis. Rates are based on your attained age and increase as you enter a new age category.

*At age 80 the home recovery care benefit would reduce to an annual maximum of 20 days or  $4,000.00 for covered services. 

Keep your coverage as long as you want

Your protection starts as soon as the first day of the month after we receive your Confirmation Form and first premium payment. Then, you can keep your Recovery Plan as long as you want. Your coverage won’t end due to age. As long as the Master Policy remains in force, you only need to pay your premiums when due and remain an ASME member to keep your protection. A member’s spouse’s coverage ends when the member’s does, the Master Policy terminates, and when premiums are not paid. Your spouse can not be legally separated or divorced from you.

Satisfaction Guaranteed

We’ll send you an official Recovery Plan Certificate of Insurance. Take up to 30 days to decide if the plan is right for you. If you like what you see, pay your premium. If not, let us know and we’ll cancel your enrollment. No questions asked.

Pre-Existing Conditions 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. 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 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 and Colorado). Any loss caused or contributed to by war or act of war, whether war is declared or not, pregnancy or childbirth, except Complications of Pregnancy.

Definitions

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 Plan Is underwritten by Harford Life and Accident Insurance Company, Hartford, CT 06155.

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.

Policy Form #SRP–1151 A (HLA) (5421)

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.


     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.

Medicate pays extensive benefits for medically necessary services regardless of the reason you need them. These include:

  • hospitalization
  • physician services
  • hospice
  • 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.

Form PA-9055
Printed in U.S.A.

Hospital Income and Short Term Recovery Insurance Plan

Answers about the plan, including eligibility, options, enrollment, customer service and more.

The plan would pay cash benefits for your hospitalization for a covered sickness or injury and your recovery afterward:

  1. Hospital Benefit: You'd collect $750 when you're admitted to a Hospital as an Inpatient for at least one day, regardless of whether you need home recovery care later. If your Hospital stay exceeds 14 days, you'd get an additional $500. After 30 days in the Hospital, you'd collect another $200. That's a total of $1,450!
  2. Home Recovery Care Benefits: You'd collect $200 a day for each day you incur a covered home health care expense. Benefits are paid to you or anyone you choose for benefit periods up to 40 days* per Accrual Year. (Maximum of 20 days per occurrence.)

That's up to a total of $8,000* per year for the home recovery care you need.

Conditions for which you've received medical care or treatment in the 6 months before your effective date will be covered after you've been in the plan for 6 months; or when you've gone 6 months without treatment for the condition, whichever is sooner.

* At age 80, Home Recovery Care Benefits reduce to $200 a day for you up to 20 days per Accrual Year (one benefit period) and an annual maximum of $4,000.

The Short Term Recovery Plan pays you or anyone you choose cash benefits once you're admitted to the Hospital as an Inpatient.

This plan also helps pay benefits that can be applied for home health care expenses when you're recovering at home after the Hospital stay. You'd receive benefits for physical, speech and occupational therapy. Nursing services by a Registered Nurse (RN) and Licensed Practical Nurse (LPN) are also covered.

In some cases, you may need personal care after your Hospital stay as well. The Short Term Recovery Plan helps to pay when a Home Health Aide to assist you with items such as bathing and getting dressed. It even can help to cover homemaker services if you need someone to help with your laundry, shopping, cleaning and cooking.

You can keep the Short Term Recovery Plan as long as you want. Your coverage won't end due to age. 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 association member to keep your protection. A member's spouse's coverage ends when the member's does, the Master Policy terminates, and when premiums are not paid. Your spouse can not be legally separated or divorced from you.

We're hopeful it will be. However, it's unclear at this point whether underwriting will be necessary in the future for you to qualify.

This means now is the perfect time to get in on the plan, when you can't be turned down for any reason (subject to the Pre–Existing Conditions Limitation).

Issuance of this policy is handled over the Internet and the mail. You can review the materials in the privacy of your home and purchase your policy directly through the mail without meeting with an agent. You can, of course, talk to a licensed representative if you'd like. Please click the Contacts section for the toll-free number.

All members, over age 65 and their spouse, are guaranteed acceptance into this plan.  Insurance benefits payable are subject to your policy's Pre-Existing Conditions limitation.  All active members who are age 65 or over who are enrolled in Medicare.

Your protection starts as soon as the first day of the month after we receive your Confirmation Form and first premium payment.

You will have 30 days from the date of receipt to review the insurance Certificate. If you are not satisfied with the terms of the Certificate, simply return it to the Insurance Administrator and any premiums paid will be refunded in full, minus any claims paid.

SRP-1151 A (HLA) (5421)

Hospital Income and Short Term Recovery Insurance Plan

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.

Insurance Enrollment Form and Brochure

Statement of Claim



This plan is not available in all states.

Download Adobe Acrobat Reader

SRP-1151 A (HLA) (5421)

Hospital Income and Short Term Recovery Insurance Plan

We're here to help! Please contact us in whatever manner is most convenient for you.

ASME Insurance Program Administrator

Mercer Consumer
12421 Meredith Drive
Urbandale , IA 50398
Phone: 1-800-289-2763
asme.service@mercer.com
7:30 a.m. to 6:00 p.m. M-F (Central)
8:00 a.m. to 5:00 p.m. Central, Saturday and Sunday
http://www.mercer-web.com/products/mercerhealthbenefits.html

Application Mailing Address

Administrator, ASME Insurance Program
P.O. Box 10374
Des Moines , IA 50306-8812

Payment Billing Address

Administrator, ASME Insurance Program
P.O. Box 10425
Des Moines , IA 50306-0425

Insurance Company

Hartford Life and Accident Insurance Company
One Hartford Plaza
Hartford, CT 06155
http://www.mercer-web.com/products/thehartford.html

SRP-1151 A (HLA) (5421)

Get a Quote

Insurance Enrollment Form and Brochure Download

Additional Peace of Mind with Short Term Recovery Video

View Video
View Video
View Video
Our Role & Compensation

Details of Mercer disclosure of the compensation.

Read More