Short-term home health care, mapped state by state.

Short-term home health care pays cash benefits for home nursing, therapy and aide care after a hospital stay. Topflight contracts three carriers and keeps a verified state availability map.

Contract with us How it works
ManhattanLife home health care brochure
Home health care carriers
3Home health care carriers
States and DC in the availability map
51States and DC in the availability map
Combined issue ages
18 to 89Combined issue ages

Fills the Medicare gap

Pays for home-based care that Medicare and Medicare Advantage leave to the client.

Rx reimbursement

Scheduled per-prescription benefits with annual maximums by plan level.

State lookup

Availability for each carrier, verified through September 25, 2026.

The three products

Each product has its own ages, plan levels and benefit design. The field guide compares them side by side so you can quote the right one.

  • Heartland Secure Choice: issue ages 40 to 85, Basic, Standard and Complete plans, up to $600 daily
  • GTL Short-Term HHC: issue ages 55 to 85, Plans A, B and C, $150 to $450 daily with TCARE caregiver support
  • ManhattanLife HHC Enhanced: issue ages 18 to 89, Classic, Premier and Deluxe, homemaker and aide benefits

What it is not

Short-term home health care is supplemental. It is not major medical coverage and not a stand-alone Part D plan. Confirm with the carrier’s live approval map before quoting in Utah, Kentucky and Connecticut.

How it works

  1. 1

    Check the state

    Use the location pages to see which carriers are available.

  2. 2

    Contract

    Submit the Heartland or ManhattanLife contracting form.

  3. 3

    Onboard

    Watch for the carrier onboarding email and portal credentials.

  4. 4

    Quote

    Pair HHC with every Medicare Advantage enrollment.

Questions agents ask

Still unsure? Email support@topflightagent.com and a real person answers.

What is short-term home health care insurance?

A supplemental product that pays cash or scheduled benefits for home-based nursing, therapy and home health aide care. It is not major medical coverage.

Do these plans reimburse prescriptions?

Yes, as a scheduled per-prescription benefit with an annual maximum by plan level. Kentucky GTL plans carry no Rx benefit.

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