Adding Value with the Home Health Care Rider

When clients think about hospital expenses, they often forget the costs that come after a hospital stay—especially if they need help recovering at home. Home health care and skilled nursing services can add up quickly, leaving clients vulnerable to unexpected out-of-pocket expenses.

That’s where the Home Health Care Rider on Mutual of Omaha’s Hospital Protection^℠ plan comes in. It’s a simple add-on that provides meaningful financial protection while giving clients peace of mind.

Why Agents Should Talk About It

Adding this rider is more than just an upsell—it’s about anticipating your clients’ future needs and positioning yourself as a trusted advisor. By including home health care in the conversation, you can:

• Address real concerns: Many clients worry about losing independence or needing help with daily tasks after a hospital stay.

• Provide financial confidence: The rider ensures they’ll have benefits to offset those costs.

• Differentiate yourself: Most agents stop at basic coverage. You’ll stand out by offering a more holistic solution.

Key Benefits for Clients

• Covers home health care services – Benefits are payable for care from a home health aide or other provider.

• Up to 30 visits per year – Clients can collect benefits for multiple episodes of care, giving them ongoing support.

• Flexible daily benefit – Clients choose a daily benefit amount from $50 to $250 (in $10 increments), tailoring coverage to their budget and needs.

Positioning Tip for Agents

When discussing hospital indemnity coverage, bridge the conversation with this question:

“If you needed help at home after a hospital stay—things like bathing, dressing, or eating—how would you pay for that kind of care?”

This naturally leads into the Home Health Care Rider and highlights its value as part of a comprehensive protection package.

Final Thoughts

Hospital indemnity plans are designed to help with the gaps Medicare or Medicare Advantage leave behind—but with riders like Home Health Care, you can create a well-rounded solution that speaks directly to clients’ real-life needs.

👉 Talk with your clients to see if the Home Health Care Rider fits into their long-term plan.

Mutual of Omaha’s Hospital Protection^℠ plan is designed to fill the gaps left by many types of health insurance coverage — whether that’s Medicare, Medicare Advantage, ACA marketplace plans, or employer-provided insurance.