Recovery Care
After Day 100 of skilled nursing, Medicare pays $0. The average cost is $8,000–$12,000 per month. 70% of seniors will need this care at some point. A Recovery Care plan protects your savings — and your independence.
What Recovery Care Coverage Provides
You choose how to use it. Most plans cover all of these settings.
Skilled Nursing After Day 100
When Medicare stops paying, your Recovery Care plan picks up the daily cost in a skilled nursing facility.
In-Home Care
Aides and nurses who come to your house, so you can stay home longer.
Assisted Living & Custodial Care
Coverage for assisted living facilities or daily-living help that Medicare doesn't pay for.
Your Choice: Facility OR Home
Some plans let you decide between facility care, home care, or a combination.
Preserves Your Savings
Without coverage, this care drains retirement accounts fast. Recovery Care protects what you've built.
Preserves Your Independence
Lets you stay independent and avoid relying on adult children for daily care or financial help.
Real story: Dorothy's stroke
After her stroke, Dorothy needed 32 weeks of skilled nursing. Days 1–20 were covered by Medicare. Days 21–100 were covered by her Medicare Supplement. After Day 100, her Recovery Care plan paid in full. “I didn’t have to ask my children for help with my bills or my care. My independence stayed intact.”
Not sure which plan is right for you?
Book a free 45-minute call with a licensed Medicare specialist. We'll walk through your situation, compare plans side-by-side, and help you choose — with zero pressure.
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