According to Health and Human Services, 70% of Americans will need some type of home care in their lifetime. That is nearly three out of four of us! Many American seniors are under the impression that traditional health care programs will provide the desired services in the home such as meal preparation, assistance with hygiene, dressing & grooming, etc. Medicare, Medigap and most Medicare Advantage Plans are designed to cover hospital stays, doctor bills and some short term skilled nursing. Unfortunately, they do not cover the cost of everyday assistance in your own home.
While your loved ones will have the best intentions to be there for you when a crisis arises, many are not prepared and quickly become overwhelmed by the amount of work involved in care giving. Traditional home health care insurance is an option for such services, however it is limited to only the extremely healthy, creating challenges for many.
True Freedom Plans are a viable alternative to traditional home health care insurance.
Our plans support seniors with their regular activities while providing them with independence and privacy in the comfort of their own home.
True freedom Home Care Plans are Service Contracts, NOT Insurance
Once a member has exhausted all service hours in their initial bundle, the benefit rejuvenates after 90 days. (Example: The Platinum Plan = 10 X 1000 Hour Bundles. When the initial 1000 hours have been fully utilized, there is a 90-day Rejuvenation Period. On the 91st day, there is full and immediate access to an additional 1000 hours of home care.) Home Care Services can continue to restore for up to the Maximum Lifetime Membership Hours (A total of 10x the initial hours of your chosen plan.) There are no health requirements for the rejuvenation of services.
Because members are contracting for access to “Hours” and not “Days” or “Dollars”, the value of plan hours automatically increases over time. As the cost of home care steadily rises through the years, the increased expense is covered at the point in time a member chooses to access their contract hours.
Members earn a discount of 10% upon the anniversary and renewal of membership for each year that no home care services have been utilized. That savings will continue for up to 4 years. (Example: In the 5th True Freedom membership year and beyond, members will save 40% on the cost of maintaining their contract for as long as no home care service has been required.)
Prospective members must be able to live independently and cannot be current receiving essential home care service or assistance (including from family members) at the time of enrollment.