AMBA’s Essential Guide to Home Health Care and Long-Term Care Plans
As you enjoy your well-earned retirement, protecting your health and financial well-being becomes more important than ever. If you’re weighing your options to safeguard your financial future—and that of your loved ones—investing in a Home Health Care or Long-Term Care plan through your association’s trusted partner, AMBA, may be one of the most significant decisions you’ll ever make.
AMBA has decades of expertise helping retired educators like you find affordable, high-quality coverage. Our plans can help access the medical care you need—whenever and wherever you need it—without putting your life savings at risk.
AMBA understands the unique challenges of aging, and we’re here to help you be prepared for the future, whatever may come.
What Is Home Health Care?
Home Health Care (HHC) provides short-term medical assistance in the comfort of your own home following surgery, illness, or injury. Instead of recovering in a hospital or nursing facility, you can heal where you feel most at ease—at home.
Home Health Care can:
- Support your recovery after surgery or illness
- Help prevent hospital readmissions
- Provide physical or occupational therapy
- Assist with personal care and hygiene
- Help you regain strength and independence
A certified home health aide or nurse works with your doctor’s instructions to provide the necessary care. This may last for weeks or a few months. Many older adults benefit from this type of care, especially following surgeries like hip replacements or major medical events.
Why Choose AMBA?
- Benefits paid directly to you—You decide how you spend them. The benefits and premiums for these plans will vary based on the plan options selected.
- Supplement your existing insurance—Benefits are paid in addition to any other health care coverage, including Medicare.
What Is Long-Term Care?
Long-Term Care (LTC) is ongoing support for individuals with chronic illnesses, disabilities, or age-related conditions. This type of care prioritizes safety, stability, and peace of mind for patients and their families.
Long-Term Care may include:
- Daily assistance with dressing, bathing, and mobility
- Medication management
- Help with meals and household chores
- Companionship and emergency support
The Long-Term Care plan from AMBA can provide policy benefits to help with your long-term care expenses and safeguard your assets. This can help you avoid the overwhelming costs of care, which can exceed $75,000 per year. Long-term care services are available in your home, an assisted living facility, or a nursing home.
Long-term care is often seen as a service exclusively for the elderly. However, younger patients with chronic illnesses or disabilities may also require long-term care services.
Why Choose AMBA?
AMBA’s Long-Term Care plan has these advantages:
- Choose how you receive your benefits—paid directly to you or as reimbursement to you or your chosen provider
- Flexibility—you have the ability to switch between a cash benefit one month and a reimbursement benefit the next.
- Supplement your existing insurance—our plans pay in addition to Medicare or other policies
Plan Today for Peace of Mind Tomorrow
It’s never too early—or too late—to plan ahead. AMBA is proud to stand beside retired educators like you—offering protection, peace of mind, and personalized care for the road ahead.
Contact AMBA today at 866-615-4063 Mon.-Fri. 8am-6pm to speak with a knowledgeable agent or schedule a free Benefits Review. We’ll help you explore your options and choose the plan that’s right for you.
