AARP® Short-Term Care Insurance from Medico®

Seize today.

Plan for tomorrow.

Plan ahead for whatever life brings you, so you can go wherever life takes you.

What is Short-Term Care Insurance?

Short-Term Care insurance helps cover the cost of different types of care for up to 360 days. It can be used to recover from an illness or injury or to transition from living independently to receiving assisted care at home or in a facility.

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Options to fit your situation

Five types of care

AARP Short-Term Care Insurance from Medico can help ease your out-of-pocket costs when care is needed. And if your circumstances change, your coverage allows you to switch between care options, so you receive the appropriate level of care for your situation.

  • Home healthcare

    Care provided in the comfort of your own home with the help of a home health agency to provide medical services specified by your doctor

  • Adult daycare

    A daily program that includes social- and health-related services for a group of six people or more

  • Assisted living facility

    Room, board, and personal care for individuals who can’t completely care for themselves at home, but do not need the skilled care of a nursing home facility

  • Nursing home

    A licensed healthcare facility that provides 24-hour skilled nursing care, intermediate nursing care, or custodial care

  • Hospice care facility

    Compassionate care for terminally ill patients expected to live six months or less

The extra support you need

When you face a situation where you need extended care, AARP Short-Term Care Insurance from Medico provides benefits to help coordinate your care plan or assist with routine household tasks.

  • Care Coordination

    Consult with a care planning expert to ensure you’re receiving the appropriate care and AARP Short-Term Care Insurance from Medico can reimburse you up to $500 for the services you receive.

  • Household Assistance

    Hire a licensed provider to help with mowing the lawn, cleaning the house, or walking the dog when you’re receiving care and AARP Short-Term Care Insurance from Medico will reimburse you up to $500 to help cover the cost of keeping up on daily tasks.

Selecting your benefits

Are you wondering what benefit levels are right for you? Use the Benefit Selection Tool to help you make informed decisions.

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Quick Quote

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Rate quotes are for illustrative purposes only and are not guaranteed. This quote is not an offer or contract. Medico reserves the right to adjust quoted rates based on information provided by the application, the underwriting process, applicant interviews, or to correct any errors on the quotation. Any coverage is effective only after approved by Medico, and only after premium has been received. All plan provisions apply. If an applicant’s age increases after the quote is submitted and the coverage is not yet approved by Medico, the premium will be adjusted to reflect the new age in the rates.

Learn More About Short-Term Care Insurance

5 major advantages of home health care services

Learn more about how you can receive care at home — and why it might even be a better option for you and your family.

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Are you covered? A guide to planning for future care

Learn more about what Medicare does (and doesn’t) pay for so you can plan accordingly

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How much should you save for future care costs?

Plan ahead to cover your bases should the need for care arise.

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Is Short-Term Care insurance right for you?

Find out more about Short-Term Care insurance and how it can help you prepare for rising costs of health care.

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Using Short-Term Care insurance with Long-Term Care insurance

Study up on these insurance options that can supplement your Medicare coverage.

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Options for Short-Term Care After Hospitalization

Get ready for recovery with advanced planning and learning about short-term care

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Short-Term Major Medical Insurance vs. Short-Term Care Insurance

Short-term major medical insurance is often mistakenly confused with Short-Term Care insurance, but they are quite different.

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Why Short-Term Care Insurance is a Growing Trend

Americans are spending less time in hospitals and are recovering in rehabilitative centers, skilled nursing care facilities, or at home.

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Planning for Your Future Care

Budget now for the care you’ll need later to limit stress and live your best life in your golden years.

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Who Needs Short-Term Care Insurance

Short-Term Care insurance can make financial sense for anyone, but particularly for those age 50 and over.

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How Short-Term Care Insurance Can Help Protect You and Your Family

Short-Term Care insurance lets you prepare for care and protect you and your family from unexpected costs.

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Tips to Navigate Caregiving Through the COVID-19 Pandemic

Learn how to manage a variety of caregiving concerns — from legal matters to self care.

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5 Types of Care to Cover Your Needs

AARP Short-Term Care Insurance from Medico not only provides benefits toward days of care in five locations, you also receive help coordinating your care among them.

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Understanding Your Care Planning Options

When it comes to your healthcare, you want to make wise, informed choices, so you’ll want to take a few minutes to learn how different types of coverage compare.

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Benefits and Riders Increase Value of Short-Term Care Insurance

It’s important to maximize your finances in retirement while also planning for future care needs. That’s why AARP Short-Term Care Insurance from Medico was designed with value in mind.

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Hip Fracture Recovery: Short-Term Care Insurance Can Be With You Every Step

You might think of a hip fracture as just a broken bone, but it can impact your overall health, and if you’re not properly insured, can diminish your savings.

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Short-Term Care Insurance Can Cover Essential Early Pneumonia Care

The key to pneumonia recovery is ensuring steps are taken early. In other words, if you’re able to properly care for yourself following a hospitalization, particularly early on, your chances of full recovery increase.

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Short-Term Care Insurance Can Ease Costs of the Stroke Recovery Process

Each road to stroke recovery is different, and AARP Short-Term Care Insurance from Medico helps cover five types of care to suit your needs.

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Request more information

Get information about AARP Short-Term Care Insurance from Medico sent to you via mail or email.

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Plan Ahead

Make AARP Short-Term Care Insurance from Medico a part of your future care plan.

Medico Insurance Company Disclosures

Exclusions and limitations (may vary by state)

No benefits will be paid for any expense not identified and included as a covered loss under the policy. You will be fully responsible for payment of any expense that is not a covered loss. We will not pay benefits for:

  1. Any loss that occurs while this policy is not in force.
  2. Services or supplies not covered under this policy or not included in your plan of care.
  3. Treatment of complications of a non-covered loss.
  4. Any treatment for loss that: 
    1. Is not medically necessary.
    2. Is not prescribed by a physician as necessary to treat a sickness or injury.
    3. Is determined to be experimental or investigational.
    4. Is received without charge or legal obligation to pay.
    5. Would not routinely be paid in the absence of insurance.
    6. Is received from any family member.
  5. Any suicide attempt, while sane or insane, or any intentionally self-inflicted injury.
  6. Alcoholism, drug addiction, or their complications, unless addiction resulted from narcotics prescribed by a physician.
  7. Injuries received or caused directly or indirectly while under the influence of a controlled substance, unless prescribed by a physician, or by intoxication as defined by the laws and jurisdiction of the geographic area in which the loss or cause of loss was incurred.
  8. Loss to which a contributing cause was your commission of or attempt to commit a felony or being engaged in an illegal occupation.
  9. Loss that occurs outside the territorial limits of the United States.
  10. Any loss resulting from war, declared or undeclared, or actively serving in the armed forces or their auxiliary units, including any country’s National Guard or Army Reserve or their equivalent.
  11. Any loss resulting from any device for aerial navigation, except as a fare-paying passenger.

STCI-001 Rev. 05/20