Short Term Recovery insurance helps pay for hospitalization and home recovery care services that Medicare doesn’t cover. It can provide extra funds to pay for hospital deductibles and cost-shares as well as for expenses related to home recovery care, including physical therapy, occupational therapy, speech therapy, nursing care, companion services, home health and homemaker services.
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.
Hospital Indemnity Form Series includes SRP-1151, or state equivalent
All about your valuable member benefit
EXCLUSIVELY available to ASME members age 65+
How your Recovery Plan works
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
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:
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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
Pre-Existing Conditions Limitation
Exclusions and Limitations
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.
THIS IS A HOSPITAL CONFINEMENT INDEMNITY POLICY. THE POLICY PROVIDES LIMITED BENEFITS.
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 Insurance Duplicates Some Medicare Benefits
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:
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:
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.
Printed in U.S.A.
What benefits would I collect?
The plan would pay cash benefits for your hospitalization for a covered sickness or injury and your recovery afterward:
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.
How does this plan work?
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.
When does my protection end?
Will acceptance into this plan always be guaranteed?
Do I have to meet with an insurance agent?
Who can sign up?
How soon can my protection start?
What if I have second thoughts after I enroll?
Underwritten by Hartford Life and Accident Insurance Company, One Hartford Plaza, Hartford, CT 06155.
Hospital Indemnity Form Series includes SRP-1151, or state equivalent.
We're here to help! Please contact us in whatever manner is most convenient for you.
ASME Insurance Program Administrator
12421 Meredith Drive
Urbandale , IA 50398
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Application Mailing Address
Administrator, ASME Insurance Program
P.O. Box 10374
Des Moines , IA 50306-8812
Payment Mailing Address
Administrator, ASME Insurance Program
P.O. Box 10425
Des Moines , IA 50306-0425