UNL Home Health Care Shield Plan

An affordable alternative to Long Term Care


On-line enrollment available; sell over the phone, or face to face

Did You Know...

  • Medicare, at most, only covers up to 21 days, fewer than 8 hours a day, and fewer than 7 days a week for home health care (with some excemptions in special circumstances).1
  • Almost 70% of people turning 65 will need long-term care at some point in their lives.2
  • The median cost for home health care is almost $50,000 per year.3

Many seniors may have a looming $100,000 (or more) home health care burden based on the misconception that Medicare will offer full benefits in their time of need. However, the UNL Home Health Care Shield can help alleviate this concern for, in some cases, less than a dollar a day.

Benefit Options

  • Plan A up to $150 / Day (up to 360 days); over $50,000 of benefits
  • Plan B up to $300 / Day (up to 360 days); over $100,000 of benefits
  • Plan C up to $450 / Day (up to 360 days); over $150,000 of benefits

Covered Services

  • Skilled Nursing Care (RN)
  • General Nursing Care (LPN or LVN)
  • Physical Therapy
  • Speech Pathology
  • Occupational Therapy
  • Chemotherapy Specialist Services
  • Enterostomal Therapy
  • Respiration Therapy
  • Medical Social Services
  • Home Health Care Aide Benefit - Up to 60 Days
    (Plan A; $40/day - Plan B; $80/day - Plan C; $120 / day)

Prescription Drug Benefit:

  • For each UNL HHC Shield insured, the company will pay a benefit amount of $10 for each generic or $25 for each brand name prescription drug up to a policy year maximum of:
  • TruScript offers a Drug Pricing Schedule - organized into four (4) pricing tiers:
    • Plan A; up to $300
    • Plan B & C; up to $600

Underwriting/Eligibility for Coverage:

  • Only 2 medical questions to qualify for coverage:
    1. Are you currently living in a nursing home or assisted living facility or currently receiving home health care or similar-type benefits?
    2. Are you physically unable to perform routine activities such as bathing, dressing, eating, toileting or transferring to or from a bed or chair?

      Answer ‘no’ to both of these 2 questions and coverage is approved.

Restoration of Benefits.

Policy is Guaranteed renewable for life.

Optional Extra Benefits are also offered:

  • Accident & Sickness Hospitalization Rider; choose from $100 / day up to $300 / day when hospitlized - for 3 or 6 days (depending on benefit option chosen)
  • Critical Accident Rider; after an Emergency Roo, visit - lump sum benefits paid for specific covered accidents
  • Return of premium Death Benefit Rider; provides a return of premium benefit in the event of death prior to attained age 86 (not available in all states)
  • Ambulance
READ OUTLINE OF COVERAGE AND POLICY FOR ALL DETAILS, BENEFIT DESCRIPTIONS, LIMITATIONS AND EXCLUSIONS. BENEFITS MAY VARY BY STATE.

View UNL Home Health Care Shield Brochure

Who purchases this coverage?
    • Persons looking for Long Term Coverage, but can't afford or qualify.
    • Persons looking for lower cost coverage which allows them to remain in their home as long as possible.


UNL Home Health Care Shield Plan
Product available in the following states:

AZ, AR, CO, IL, IN, IA, KY, LA, MN, MO, NE, NV, NC, OH, OK, SC, TN, TX, UT, WV


800-366-2467

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