Need Some Help with a Customer who Wantgs LTCI.

[yankee466]

She probably can get the Kemper Home Health Care Indemnity policy. Might be better than nothing. There may also be a couple of other short term care-type of options once she goes past two years from the time of surgery.

Kemper may be of value to supplement the co-pays of a MAPD plan, but I really hate to see people even mention that product on this forum as any form of a HHC solution. It is a fundamentally useless product for home health care....unless you think $40/day, for up to 60 days, and ONLY if you first have three days in a hospital and come home immediately. Just my personal opinion.....else, one more way to earn a commission check I imagine.

I'll agree that maybe a STM might work.

 

[ltcadviser]

Maybe she can get State Life Annuity Care II. Call State Life. I would help, but I am slammed with business.

 

[Arthur Rudnick]

originally posted by yankee466

Kemper may be of value to supplement the co-pays of a MAPD plan, but I really hate to see people even mention that product on this forum as any form of a HHC solution. It is a fundamentally useless product for home health care....unless you think $40/day, for up to 60 days, and ONLY if you first have three days in a hospital and come home immediately.

Herman,
I know nothing about Kemper, they're not in NY.
Are you saying their max benefits are $40/day up to 60 days?
$2,400 total coverage?

I find that hard to believe.

Look what they claim to cover:

Kemper Senior Solutions

 

[GreenSky]

originally posted by yankee466



Herman,
I know nothing about Kemper, they're not in NY.
Are you saying their max benefits are $40/day up to 60 days?
$2,400 total coverage?

I find that hard to believe.

Look what they claim to cover:

Kemper Senior Solutions

A friend was pimping this plan a few years ago. They can cover a heart transplant if they want. Hell, I'll cover the transplant but limit my reimbursement to $17.50. (Your annual premium is $20 with a 5 year wait).

It is indeed just next to worthless.

Rick

 

[Arthur Rudnick]

Anyone out there Appointed with Kemper that would like to join the discussion?

 

[GreenSky]

Anyone out there Appointed with Kemper that would like to join the discussion?

If there's a prize I can get contracted.

Rick

 

[Arthur Rudnick]

originally posted by Greensky

If there's a prize I can get contracted.

Here's the deal Rick.......

Enter the contest and have a chance to win a Kemper Home Care Policy. The policy will reimburse you for dehydration. Premiums are reasonable, and considering you're in CA. you may very well require Hydration Therapy within a short period of time.

 

[yankee466]

originally posted by yankee466



Herman,
I know nothing about Kemper, they're not in NY.
Are you saying their max benefits are $40/day up to 60 days?
$2,400 total coverage?

I find that hard to believe.

Look what they claim to cover:

Kemper Senior Solutions

They pay for what a good Medicare supplement will pay for on its own. It primarily pays for skilled care services. If someone does not have a supplement...or maybe a F+ or a MAPD plan, it can help with the deductible or co-pays. Basically it is a short term recovery plan for skilled services....just as your list shows. Maybe someone under age 65 has a high deductible health plan....and this would help with that as well. It is not a HHC product for custodial care of any consequence....which is why I find it odd that it seems to come up periodically on this board. If I am wrong, happy to have someone correct me.

Home Health Care Benefit
Daily Maximum Aggregate Benefit ................................................................................................. up to $150.00
Home Health Care Services:
Skilled Nursing Care (provided by a licensed graduate nurse [R.N.])................................................... $75.00
General Nursing Care (provided by a licensed practical nurse [L.P.N.], licensed
vocational nurse [L.V.N.] or licensed visiting nurse) ............................................................................. $60.00
Physical Therapy .................................................................................................................................. $75.00
Speech Pathology.................................................................................................................................. $75.00
Occupational Therapy............................................................................................................................ $75.00
Chemotherapy Specialist Services ....................................................................................................... $60.00
Enterostomal Therapy........................................................................................................................... $50.00
Respiration Therapy.............................................................................................................................. $50.00
Medical Social Services ........................................................................................................................... $100.00
Home Health Care Aide Benefit
Daily Benefit...................................................................................................................................................... $40.00
Maximum Benefit Periods: The Maximum Benefit Period for the Home Health Care Benefit is 360 days, and the Maximum Benefit Period for the Home Health Care Aide Benefit is 60 days. The Maximum Benefit Period is the maximum number of days we will pay benefits during your lifetime, unless benefits are restored as provided in the Restoration of Benefits provision.

(A) HOME HEALTH CARE BENEFIT: We will pay a daily benefit each day you require Home Health Care provided by an Approved Home Health Care Practitioner, subject to the eligibility conditions below. The amount of the daily benefit for all Home Health Care Services for any one day will be the lesser of: (i) the Daily Maximum Aggregate Benefit shown above; or (ii) the amount set forth opposite the Home Health Care Services listed above.
(B) HOME HEALTH CARE AIDE BENEFIT: Immediately following a Hospital confinement of not less than three days, we will pay a daily benefit of $40.00 for each day you require the services of a Home Health Care Aide in Your Home.

 

[ltcadviser]

It is indeed just next to worthless.

Rick

Not to a marketer.

 

[FRJ]

FYI, I had a contract with Kemper but never sold any of their stuff.

If you want to see all the glorious details - https://portal.reservenational.com/forms.aspx

click on State Specific Applications-Brochures-Forms
pick a state and look for Brochure-HHC-SS....whatever. I'm using IL state data.

why is everyone fixating on the $40 home health care aide benefit?

What about the $75 in-home care from an RN, LPN, or LVN?
RN - $75 per day for 360 days.

This lady is probably on a lot of meds so she will also get $250 towards meds. Her net annual cost on the base plan would be closer to $520.

Also, since she is already exhibiting issues with speech...I'd lay good odds that she'll use the Speech Pathology benefit.