Core Policy Benefits

Each core policy includes:

•  Care management services

•  14 days of respite care per year

•  Nursing home bed reservation, 20 days per year

•  60 day grace period to ensure the premium is paid if you have designated someone to be notified when you fail to pay your premium on time

•  Hospice care

•  Coverage of alternate level of care status in a hospital while awaiting nursing home placement or at-home services

•  Review of denied benefit authorization requests

•  Guaranteed renewable

•  Level premiums (individual policy premiums cannot be raised, but premium rates on a class basis may be raised with the approval of the New York State Department of Financial Services when the solvency of the class of policies is in question)

•  Portability—coverage under the private insurance can be used outside New York State

Please note: