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Express Plan: Basic or Deluxe Home Health Care Insurance

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Blue Cross Express Plan – The Coverage You Need for Faster Health Improvement

After being hospitalized or following an accident, you need sufficient time and care to recover. In most cases, the recovery may not be possible if you do not have the right care or assistance. Thankfully, Blue Cross basic or deluxe home health care insurance provides you the care and assistance you need for full recovery after an accident or hospitalization.

The post-hospital care service you will receive in this plan depends on your length of hospital stay. This plan includes a number of features such as transportation expenses, home conversion expenses, allowance for meals and accommodation in a specialized facility, and in case of an obvious disability after the hospitalization, the insured will be eligible for a cash allowance up to 6 months.

Features that Make Post-hospitalization Insurance Interesting

The post-hospitalization coverage is for you if you are 16 years or above. If you or any member of your family cannot perform any two of the following activities: eating, using the toilet, showering, dressing, and transferring, the coverage will cover eligible expenses up to 100% on a certified nurse assistant or home health aide, friend or relative. The service will cover 80% expenses such as transportation, medical supplies, home conversion expenses, cost of meals and accommodation and so forth.

  • The eligible age for this plan is from 16 years and above.
  • The coverage can cover you whether you choose to recover at home or be hospitalized following an accident.
  • You will be eligible for the benefits if you are unable to perform two of the following activities due to an accident: transferring, bathing, eating, dressing, and using the toilet.
  • The plan covers at 100% the following eligible expenses: a certified nursing assistant or home health aide (up to $50 for basic coverage and $70 for deluxe coverage, per day), friend or relative (up to $25 and $35 per day for basic and deluxe coverage respectively).
  • The plan covers at 80% the following eligible expenses: transportation expenses, medical supplies, home conversion expenses, costs of meals and accommodation, and so forth.
  • If you or your family is unable to perform any two of the activities mentioned above, you will be eligible for $200 to a maximum of three monthly benefit payments and $500 to a maximum of six monthly benefit payments, for basic and deluxe coverage respectively.

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