GoldenCare is proud to offer the Kemper Senior Solutions products (underwritten by Reserve National Insurance Company). Kemper is one of America’s leading financial services providers, with over 7 million policyholders nationwide, and more than 11 billion in assets. Read More
Kemper also maintains an “A- (Excellent)” Financial Strength Rating with A.M. Best, making it an easy choice for consumers.
We especially feel that the Kemper Home Health Care Plan (see the Short-Term Care product area below) is practically a must for any agent’s portfolio.
★ Kemper Health, Home Health Care Insurance Plan
The Kemper Health Home Health Care plan is the perfect product complement for any agent selling health products (especially LTCi!) to the 50+ market. This plan can serve as a GREAT safety net for those who have health issues that prevent them from getting other protection like a long-term care plan. Read More
This is a simple policy to get (only 2 health-related knockout questions), that covers a nice array of services, and the built-in Prescription Drug Benefit can make this plan EXTREMELY affordable!
Here are some details & highlights (using Alabama as common example, see State Variations)*:
- Issue Ages 41 – 85 (IN & NC: 40 – 85)
- HHC Benefit Pays $150 Max./Day for 360 Days ($54,000 Max. Benefit)
- Pays $100/day for Medical Social Services
- Pays $75/day for Skilled Nursing Care (RN), Physical Therapy, Speech Pathology or Occupational Therapy
- Pays $60/day for General Nursing Care (LPN or LVN) or Chemotherapy Specialist Services
- Pays $50/day for Enterostomal Therapy or Respiration Therapy
- HHC Aide Benefit pays $40/day (60 days max.) for Home Health Aide immediately following a hospital confinement of 3+ days (0 day confinement in IA, LA, MD, MI, MO, NV, PA, SC, SD, TN, TX, UT & WV)
- Built-in Prescription Drug Benefit pays 80% of RETAIL drug cost (after $50 Deductible) up to $250 max. per year — this can make the net cost of coverage VERY AFFORDABLE! Ask us!
- Indemnity plan – it pays regardless of Medicare or other coverage
- Can sell TWO plans to the same person — that’s up to $108,000
- Optional Extra Benefits Package Covers:
- Annual Physical Exams, Eye Exams & Eyeglasses, Hearing Exams & Hearing Aides, Ambulance, In-Hospital Private Duty Nurse