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

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

Nearly 800,000 strokes occur annually in the United States. Although a stroke can happen at any age, roughly 75% of strokes affect adults aged 65 and older and can lead to a reduction in mobility for more than half of stroke survivors.
You can try to prevent strokes, or at least reduce their likelihood, by making healthy lifestyle choices. Eating healthy foods, exercising regularly, and drinking in moderation are ways you can reduce the risk of stroke. But sometimes even seemingly healthy people suffer from stroke. If that happens to you, what should you do?
If you or a loved one suffer a stroke, your life will significantly change. The only thing you’ll want to focus on is the stroke recovery process. What type of stroke occurred, and what physical and cognitive functions have been affected? What sort of care will be needed to rehabilitate and recover? What is the likelihood of a full recovery?
At a time like this, you don’t want to have to stop and think about insurance coverage. You want to be sure that you or your loved one will be able to receive the necessary care in recovery to regain the level of functionality enjoyed prior to the stroke.
Because each stroke is different, the road to recovery is different for every stroke survivor. And depending on the severity, type, and location of the stroke in the brain, you may face varying challenges in performing some or all the six activities of daily living (ADLs).
With the five types of extended care included with AARP® Short-Term Care Insurance from Medico®, you’ll have the ability to coordinate the level of care needed with the appropriate care option. For example, you may begin your journey to recovery after leaving the hospital with a short-term nursing home stay or in an assisted living facility and continue to receive ongoing assistance at home with the help of home healthcare services. 
AARP Short-Term Care Insurance from Medico plan also offers a One-time Restoration of Lifetime benefit. This feature allows you to restore your benefits after exhausting them as long as you haven’t received care or benefits for 180 consecutive days. So, if you suffer another stroke, or experience any other health issue once the benefit has been restored and you’re eligible to receive benefits, your policy will continue to pay for the cost of your care, adding an extra layer of protection.
Regardless of the type of care you need to receive, AARP Short-Term Care Insurance from Medico offers the flexibility for your unique situation. You can have peace of mind knowing that you can have coverage to get you the short-term care you will need when you need it. For more information on how AARP Short-Term Care Insurance from Medico can help you recover, click here.

Photo credit: iStock

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-005 Rev. 05/20