Home Health Care

Many Medicare beneficiaries prefer to have home healthcare rather than to be confined to an assisted living or long-term care facility. True Freedom offers a home health care program through a service agreement (rather than through insurance). This is not a replacement of any insurance policy. Medicare beneficiaries who have deferred buying long term care insurance in many cases cannot afford to buy long term care insurance nor can they meet the underwriting standards for such insurance, so this an is an attractive option where an individual can defray at least some home health care expenses at an affordable price. This plan is offered nationally and is regulated by State Attorneys General rather than Departments of Insurance.

See this video for a description:

There is no underwriting requirement to join True Freedom but the applicant must sign and agree to a set of terms and conditions. One requirement is that the potential member must be able to certify that s/he is able to live independently at time of enrollment and cannot currently be in need of or requiring any assistance (including from family members) with activities such as bathing, dressing, and transferring at time of enrollment. If the intent upon enrollment is to go on service for a current condition following the initial 90-day waiting period that would not be a suitable membership. The program is NOT designed for people who intend to use the plan immediately after the 90-day waiting period but can be used if an unexpected condition develops after enrolling in the program.

As an incentive for not using the plan until services are really needed, the plan gives discounts for any year in the first four years if the beneficiary does not use the program; regular premiums are reinstated if and when the individual eventually starts using the program. In addition, the program offers 10% discounts for 2 household members buying the program and a 5% discount if a member pays annual premiums. (A couple can obtain a 15% annual discount if they pay annually.)

This brochure outlines the features of the plan; this is the rate sheet; and these are the terms and conditions to which an applicant must certify in order to be eligible to join the plan.

This plan:

• Is the only nationwide homecare option for Medicare beneficiaries
• Is a leading alternative to Long Term Care Insurance
• Offers membership plans for services up to $250,000
• Has no age limits or medical underwriting
• Contracts start at only $95 a month.
• Enrollment involves signing a two -page agreement; online enrollment is available.

CONTACT US AT 786-970-0740 (Cell) FOR MORE DETAILS AND TO ARRANGE ENROLLMENT