Frequently Asked Questions

Policy Information

What does this insurance policy cover?

AARP Short-Term Care Insurance from Medico offers policyholders the ability to choose care from five options: nursing home care, assisted living care, home healthcare, adult daycare, and hospice care. This Short-Term Care insurance plan also offers two additional benefits as part of the base plan: household assistance and care coordination services.

What is the Household Assistance benefit?

This benefit will reimburse policyholders up to $500 for services they hire to complete routine household tasks while they receive care at or away from home. These services might include help with laundry, cleaning, transportation, or lawn care.

What is the Care Coordination benefit?

This benefit will reimburse policyholders up to $500 for care coordination services they solicit from an expert when making decisions about when and where to receive care. With five options for care services, it’s important to fully understand all the options so they make the right choice for their specific situation. This benefit helps ensure policyholders get the best value from their Short-Term Care insurance policy.

How old do applicants have to be to qualify for this product?

Applicants must be between the ages of 50 and 79 to qualify for AARP Short-Term Care Insurance from Medico.

Do applicants have to be AARP members to sign-up for this insurance?

Yes, AARP Short-Term Care Insurance from Medico is available exclusively to AARP members.

Why would someone need this product? Doesn’t Medicare cover these types of care?

AARP Short-Term Care Insurance from Medico provides additional coverage for expenses that may not be covered under Medicare. This plan can help protect policyholders from unexpected healthcare expenses so they can maintain their financial well-being.

Will applicants qualify for this insurance if they take prescription medication for a pre-existing health condition?

During the application process, applicants will be asked to answer a series of medical questions and provide a list of the prescription medications they’re currently taking. Some medications and health conditions may make applicants ineligible for this insurance, but not all medications and health conditions will prohibit them from being covered.

What is the difference between this plan and a Long-Term Care insurance plan?

AARP Short-Term Care Insurance from Medico is available for a shorter duration: 120, 240, or 360 days, which makes it the ideal coverage for recovery from an illness or injury. It also helps cover the cost of care while policyholders and their loved ones plan for future care.
Long-Term Care insurance plans often have long elimination or waiting periods, but this Short-Term Care insurance plan offers elimination periods of 0, 15, or 30 days. If policyholders have a Long-Term Care insurance plan, they can use their Short-Term Care insurance plan benefits to cover expenses during the Long-Term Care insurance plan’s elimination period.

Premiums for Long-Term Care insurance plans tend to be more expensive, but AARP Short-Term Care Insurance from Medico may be a more cost-effective solution.
Applicants may qualify for AARP Short-Term Care Insurance from Medico, even if they’ve been turned down for Long-Term Care insurance coverage.

What has to happen in order for policyholders to receive benefits from this policy?

To qualify for benefits, policyholders must experience either loss of functional capacity in at least two activities of daily living (ADLs) or cognitive impairment. ADLs are eating, dressing, toileting, transferring (getting out of bed or a chair), continence, and bathing. Cognitive impairment includes confusion, poor motor coordination, short-term or long-term memory loss, identity confusion, or impaired judgment.

Are there any discounts available for this product?

Yes, if applicants live in a household with another person who is 18 years old or older, they will receive a 12% discount.


What do I need to submit to determine if I qualify for benefits?

To determine your eligibility for benefits, please ask your physician what you will need to complete and submit the AARP Short-Term Care Insurance Claim Form.

What is the process for submitting a claim?

Once you are approved for benefits, you must submit either a copy of or the actual bill or invoice to:
Medico Insurance Company
P.O. Box 1
Des Moines, IA 50306-0001
Please make sure the bill or invoice contains the following information: 
1. Diagnosis code
2. Date(s) of service
3. Billed charge(s)
4. Provider/facility name
5. Provider/facility address

How will I receive the payment?

The claim will be paid with a check.

How long does it take for my claim to be processed?

Once all the information requested is received, it will take approximately 7-10 business days to process the claim.

Can I submit a bill for prepayment?

Claims cannot be submitted for prepayment.

If I am released from care before reaching the lifetime maximum benefit of my policy, will I be able to use the remaining benefit in the future?

Yes, benefits will continue to be available, as needed, until you reach the lifetime maximum benefit.

What criteria is used for restoring my benefits?

  1. You must not require or receive treatment or services for the same cause or causes for which a previous benefit period began for a period of 180 consecutive days.
  2. You must not have met the requirements for benefit eligibility under the policy for a period of 180 consecutive days.
  3. You have not received care in a nursing home, assisted living or hospice care facility and have not utilized home healthcare or adult daycare services or any combination of these services for a period of 180 consecutive days.

How many times can my benefits be restored?

This lifetime benefit will only be restored one time during the lifetime of the policy if the policy is kept in force.

What are the bed reservation requirements?

In order to be eligible for the bed reservation benefit, you must meet the following criteria:
1. You are temporarily absent due to a hospital confinement during the course of your covered stay in a nursing facility, assisted living facility or hospice care facility.
2. The nursing home, assisted living, or hospice care facility charges you to keep your room available during your absence.
3. You must have satisfied any elimination period.  If you have not met your elimination period, your days absent will not apply to the elimination period.

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-011 Rev. 05/20