Short-Term Care

Extra Support When You Need It Most

Short-term care insurance helps cover the cost of care when an illness, injury, or medical procedure temporarily makes it difficult to manage everyday activities on your own. Depending on the policy, benefits may help pay for care at home, in an assisted living setting, or in a skilled nursing facility.



Unlike long-term care insurance, which is designed for extended care needs, short-term care coverage typically provides benefits for a limited period. It can offer an added layer of financial protection during recovery while helping you maintain greater control over where and how you receive care.

Extra Support When You Need It Most

Even a temporary health setback can result in significant out-of-pocket expenses. Medicare and traditional health insurance may cover certain medically necessary services, but they don't necessarily cover all of the personal care and support you may need while recovering.


Short-term care insurance can help you:


  • Reduce unexpected out-of-pocket care expenses
  • Protect your savings and retirement assets
  • Receive assistance with everyday activities while recovering
  • Reduce the caregiving burden on family and loved ones
  • Have more flexibility in choosing how and where you receive care


Short-term care insurance may also be an option for people looking for a more affordable or accessible alternative to traditional long-term care insurance.

What Short-Term Care Insurance Covers

Policies vary, but short-term care insurance may provide benefits for:


  • Home health and personal care services
  • Assisted living facilities
  • Skilled nursing facility stays
  • Adult day care
  • Respite care
  • Assistance with activities such as bathing, dressing, or eating


Benefits are generally available for a defined period, often ranging from several weeks to a year, depending on the policy. Coverage limits, waiting periods, eligibility requirements, and covered services can also vary.


Need help choosing a policy?
Miller Blair Insurance can help you compare your options and determine whether short-term care insurance fits your needs, budget, and overall plans for the future. Call us today to get started.