Assessing the Cost of Care: AARP® Short-Term Care Insurance from Medico®

Assessing the cost of care

Life is full of surprises. With AARP® Short-Term Care Insurance from Medico®, you can prepare now for the out-of-pocket costs associated with extended care.

Hip fracture

If you’ve fractured a hip, you’re not alone: Every year, more than 300,000 people in the United States experience this serious injury. With an estimated lifetime cost of $81,000, a hip fracture can be a setback in more ways than one — but AARP Short-Term Care Insurance from Medico can step in to help.


Stroke recovery is different for everyone. Whether you choose to recover in a nursing or assisted living facility or to use in-home healthcare services, AARP Short-Term Care Insurance from Medico can help cover out-of-pocket costs.


Suffering with pneumonia is serious for anyone, but it tends to affect those 50-plus even more. It often requires a recovery period of two months or longer. AARP Short-Term Care Insurance from Medico can support you through each phase of care to recovery.

Selecting your benefits

Are you wondering what benefit levels are right for you? Use the Benefit Selection Tool to help you make informed decisions.

Use Benefit Selection Tool

Estimating the cost of care

Level of Care Daily Cost Monthly Cost

Home healthcare

Care provided in the comfort of your own home with the help of a home health agency to provide medical services specified by your doctor

$21 per hour


Adult daycare

A daily program that includes social- and health-related services for a group of six people or more

$25-$100 per day

$500-$2,000 (based on usage 20 days per month)

Assisted living facility

Room, board, and personal care for individuals who can’t completely care for themselves at home, but do not need the skilled care of a nursing home facility


$3,700 (national median)

Nursing home

A licensed healthcare facility that provides 24-hour skilled nursing care, intermediate nursing care, or custodial care

$270 for a private room
$238 for semi-private

$8,121 for a private room
$7,148 for semi-private

Coverage for five types of care

When the need for care arises, you can select the type of care that is right for you. If you discover you need more or less care during your recovery, you have the freedom to change facilities and the benefits will follow you.

Learn About the Five Types of Care Covered


Quick Quote

$ per day

Estimated Costs

Plans available from

--- / month

Rate quotes are for illustrative purposes only and are not guaranteed. This quote is not an offer or contract. Medico reserves the right to adjust quoted rates based on information provided by the application, the underwriting process, applicant interviews, or to correct any errors on the quotation. Any coverage is effective only after approved by Medico, and only after premium has been received. All plan provisions apply. If an applicant’s age increases after the quote is submitted and the coverage is not yet approved by Medico, the premium will be adjusted to reflect the new age in the rates.


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Get information about AARP Short-Term Care Insurance from Medico sent to you via mail or email.

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Learn More About Costs of Care

Planning for Your Future Care

Budget now for the care you’ll need later to limit stress and live your best life in your golden years.

Learn More

Hip Fracture Recovery: Short-Term Care Insurance Can Be With You Every Step

You might think of a hip fracture as just a broken bone, but it can impact your overall health, and if you’re not properly insured, can diminish your savings.

Learn More

Short-Term Care Insurance Can Cover Essential Early Pneumonia Care

The key to pneumonia recovery is ensuring steps are taken early. In other words, if you’re able to properly care for yourself following a hospitalization, particularly early on, your chances of full recovery increase.

Learn More

Short-Term Care Insurance Can Ease Costs of the Stroke Recovery Process

Each road to stroke recovery is different, and AARP Short-Term Care Insurance from Medico helps cover five types of care to suit your needs.

Learn More

Plan Ahead

Make AARP Short-Term Care Insurance from Medico a part of your future care plan.

Medico Insurance Company Disclosures

Exclusions and limitations (may vary by state)

No benefits will be paid for any expense not identified and included as a covered loss under the policy. You will be fully responsible for payment of any expense that is not a covered loss. We will not pay benefits for:

  1. Any loss that occurs while this policy is not in force.
  2. Services or supplies not covered under this policy or not included in your plan of care.
  3. Treatment of complications of a non-covered loss.
  4. Any treatment for loss that: 
    1. Is not medically necessary.
    2. Is not prescribed by a physician as necessary to treat a sickness or injury.
    3. Is determined to be experimental or investigational.
    4. Is received without charge or legal obligation to pay.
    5. Would not routinely be paid in the absence of insurance.
    6. Is received from any family member.
  5. Any suicide attempt, while sane or insane, or any intentionally self-inflicted injury.
  6. Alcoholism, drug addiction, or their complications, unless addiction resulted from narcotics prescribed by a physician.
  7. Injuries received or caused directly or indirectly while under the influence of a controlled substance, unless prescribed by a physician, or by intoxication as defined by the laws and jurisdiction of the geographic area in which the loss or cause of loss was incurred.
  8. Loss to which a contributing cause was your commission of or attempt to commit a felony or being engaged in an illegal occupation.
  9. Loss that occurs outside the territorial limits of the United States.
  10. Any loss resulting from war, declared or undeclared, or actively serving in the armed forces or their auxiliary units, including any country’s National Guard or Army Reserve or their equivalent.
  11. Any loss resulting from any device for aerial navigation, except as a fare-paying passenger.

STCI-010 Rev. 05/20