GTL Short-Term Home Health Care

Every benefit below is transcribed from GTL Short-Term Home Health Care brochure GAD15.1-23 (Rev. 5/24) 15B644. Benefits, amounts and riders vary by state; the policy issued to you governs.

• Home health care daily benefit Included

  A daily cash benefit for covered home health care. Combined daily maximum of $150 on Plan A, $300 on Plan B and $450 on Plan C, across skilled and general nursing, physical, speech, occupational, chemotherapy, enterostomal and respiratory therapy, medical social services and a home health aide. Maximum benefit period 360 days.

  In ID the maximum benefit period is 280 days.

• Home health care aide benefit Included

  $50, $100 or $150 a day by plan. No prior hospital stay is required.

  Counts toward the combined daily maximum.

• Prescription drug benefit Included

  $10 for each generic and $25 for each brand-name prescription, up to $300, $600 or $900 a policy year by plan.

• Family caregiver benefit Included

  A $3,500 lump sum once a home health care claim is approved and your family caregiver has registered and completed a caregiver assessment with TCARE. Payable to you, or assignable to your caregiver.

  Benefits assigned to an informal caregiver may have tax consequences for that person. GTL and its agents do not give legal, financial or tax advice.

• Restoration of benefits Included

  Benefits restore after 180 consecutive days without covered services, once a licensed health care practitioner certifies you have recovered sufficiently to no longer need home or nursing care.

• Accident and sickness hospitalization rider Optional rider

  Up to $300 a day by plan for hospital confinement of at least 24 hours, over a 3-day or 6-day benefit period, restoring after 60 days.

  ID and PA include a reduced daily benefit for the remainder of a 31-day maximum benefit period.

• Ambulance rider Optional rider

  $200 for ground ambulance to or from a medical facility, up to four times a year, $2,500 lifetime. No hospital confinement required.

• Return of premium rider Optional rider

  Returns premiums paid, less benefits paid, on your death.

  Not offered by GTL in Georgia, Tennessee.

• Dental and vision rider Optional rider

  Up to $400, $800 or $1,200 a year for a licensed dentist, ophthalmologist or optometrist after the first year, including $200 toward prescription glasses or contact lenses.

  Not offered by GTL in Colorado, Georgia, Tennessee.

• Critical accident rider Optional rider

  After an emergency room visit, a lump sum by injury: accidental death $5,000 or $10,000; hip or skull fracture $1,250 or $2,500; hip dislocation $1,000 or $2,000; knee dislocation or ligament tear $500 or $1,000; other fracture $250 or $500.

  Not offered by GTL in Colorado, Tennessee.

Pre-existing conditions

Coverage is subject to a pre-existing condition limitation. (In NC, no pre-existing condition limitation for ages 65 and older.)

Policy form

G2370. Rider forms RG23CG, RG16ASH, RG15RPDL, RG15CA, RG16ASB, RG12DV. Form numbers and benefits vary by state.