Understanding Short-Term Care Insurance

Understanding Short-Term Care Insurance

You may not know what type of care you'll need as you age, but when you incorporate AARP® Short-Term Care Insurance from Medico® into your future care plan, you'll have options to meet your needs.

Flexible care

AARP Short-Term Care Insurance from Medico offers coverage for five types of care, including everything from home healthcare options to care received in a nursing home. You can also switch among facilities if your circumstances change and you require more or less care.

Complete your coverage

Be prepared to cover expenses that may not be covered by Medicare or other supplemental insurance coverage.

Affordable plans

Set the number of days covered in your plan and the daily amount of coverage you think you’ll need to find a premium that fits your budget.

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

Knowing when care is needed

Every situation is different. That’s why it’s important to talk with your doctor or other licensed healthcare practitioner to determine the level of care you need. To qualify to receive benefits through AARP Short-Term Care Insurance from Medico, you’ll need a statement from a board-certified physician acknowledging you no longer have functional capacity in two or more of the following Activities of Daily Living.

Activity of Daily Living Definition


The ability to wash body in the bath or shower


The ability to control bladder and bowel movements


The ability to dress oneself without assistance


The ability to feed oneself, not necessarily just preparing food


The ability to get on and off the toilet and other personal hygiene functions


The ability to get in and out of a bed or chair without assistance

AARP Short-Term Care Insurance from Medico also provides benefits for individuals who suffer from a cognitive impairment, including confusion, poor motor coordination, loss of short-term or long-term memory, identity confusion, or impaired judgment. A board-certified physician statement is also required to receive benefits.

Request more information

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

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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.


Learn More About Short-Term Care Insurance

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Learn more about how you can receive care at home — and why it might even be a better option for you and your family.

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Are you covered? A guide to planning for future care

Learn more about what Medicare does (and doesn’t) pay for so you can plan accordingly

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Using Short-Term Care insurance with Long-Term Care insurance

Study up on these insurance options that can supplement your Medicare coverage.

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Is Short-Term Care insurance right for you?

Find out more about Short-Term Care insurance and how it can help you prepare for rising costs of health care.

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Short-Term Major Medical Insurance vs. Short-Term Care Insurance

Short-term major medical insurance is often mistakenly confused with Short-Term Care insurance, but they are quite different.

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Options for Short-Term Care After Hospitalization

Get ready for recovery with advanced planning and learning about short-term care

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Why Short-Term Care Insurance is a Growing Trend

Americans are spending less time in hospitals and are recovering in rehabilitative centers, skilled nursing care facilities, or at home.

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Who Needs Short-Term Care Insurance

Short-Term Care insurance can make financial sense for anyone, but particularly for those age 50 and over.

Learn More

How Short-Term Care Insurance Can Help Protect You and Your Family

Short-Term Care insurance lets you prepare for care and protect you and your family from unexpected costs.

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-008 Rev. 05/20