Exploring Plan Details: AARP® Short-Term Care Insurance from Medico®

Exploring plan details

AARP® Short-Term Care Insurance from Medico® provides flexible care options and the ability to customize your plan.

Know Your Options

Whether you need care for one week or one year, AARP Short-Term Care Insurance from Medico provides many choices to help you customize your care plan.

Five types of care to cover your needs

AARP Short-Term Care Insurance from Medico covers five types of care to meet your specific needs. And, if you discover you need more or less care, you have the freedom to change facilities while keeping the same benefits.

  • 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

  • Adult daycare

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

  • 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

  • Nursing home

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

  • Hospice care facility

    Compassionate care for terminally ill patients expected to live six months or less

Customize your plan

Get the most out of your plan by tailoring it to your needs.

  • Household discount

    If you live with another adult age 18 or older, a 12% discount may be available. The other adult does not have to be a policyholder.

  • Inflation Protection rider

    Today’s $100 may not be worth the same 10 years from now. The Inflation Protection rider adds 5% to your original daily benefit annually for the life of your policy.

  • Survivorship benefit

    If you and your spouse have the same coverage and policy date and your policies have been active for 10 years, your premium payments will stop, and your coverage will continue if your spouse passes away.

Household Assistance benefit

Don’t stress about household management during your recovery process. Your policy includes a $500 benefit that can be used toward lawn care, housekeeping, and more.

Care Coordination benefit

Is it unclear which type of care is right for you or how to find a facility? This benefit provides $500 to consult an expert for advice.

Restoration of benefits

When the maximum benefit is used, policyholders who continue to pay premiums can have the policy's benefits restored once during the lifetime of the policy after the insured has not received treatment or services for 180 consecutive days.

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


Quick Quote

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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.


Explore Plan Details

5 Types of Care to Cover Your Needs

AARP Short-Term Care Insurance from Medico not only provides benefits toward days of care in five locations, you also receive help coordinating your care among them.

Learn More

Understanding Your Care Planning Options

When it comes to your healthcare, you want to make wise, informed choices, so you’ll want to take a few minutes to learn how different types of coverage compare.

Learn More

Benefits and Riders Increase Value of Short-Term Care Insurance

It’s important to maximize your finances in retirement while also planning for future care needs. That’s why AARP Short-Term Care Insurance from Medico was designed with value in mind.

Learn More

Request more information

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

Request a Product Guide


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-009 Rev. 05/20