Home Care Service Plans
Help arranging non-medical home care when staying at home matters most.
True Freedom Nationwide Home Care Plans are service contracts designed to coordinate non-medical home care services so seniors can prepare for future support at home.
What they do
What are Home Care Service Plans?
Home Care Service Plans are service contracts that help arrange non-medical assistance in the home. They are designed for seniors who want a practical way to prepare for future care needs that may not be covered by Medicare, Medigap, Medicare Advantage, or traditional health insurance.
Many health care programs focus on hospital stays, doctor bills, and some short-term skilled nursing. They often do not cover everyday help at home, such as meal preparation, bathing assistance, grooming, errands, or overnight care.
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Meal support
Meal planning, preparation, grocery shopping, and monitoring diet or food expirations.
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Personal care
Assistance with dressing, bathing, grooming, toileting, and hygiene.
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Home tasks
Laundry, ironing, changing linens, and light housekeeping during urgent care.
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Reminders and errands
Medication and hydration reminders, errands, appointments, and approved accompaniment.
Plan levels
Choose a membership-hour level that fits your planning strategy.
All plan hours are divided into ten equal segments separated by 90-day reset periods. Multiple segments may be accessed in a single contract year within plan parameters.
Bronze
1,500Lifetime membership hours
- Ten 150-hour segments
- Up to $150/day standard benefit
- Up to $300/day with Plus
Silver
3,000Lifetime membership hours
- Ten 300-hour segments
- Up to $150/day standard benefit
- Up to $300/day with Plus
Gold
6,000Lifetime membership hours
- Ten 600-hour segments
- Up to $150/day standard benefit
- Up to $300/day with Plus
Platinum
10,000Lifetime membership hours
- Ten 1,000-hour segments
- Up to $150/day standard benefit
- Up to $300/day with Plus
True Freedom Plus Option
Daily maximum benefits can increase over time.
The Plus Option is designed for seniors who want an increasing daily maximum benefit as part of a future aging-in-place strategy.
Care options
Agency Hours and Anytime Hours give members two ways to arrange help.
All home care services must be authorized and arranged by first contacting True Freedom Customer Care Coordinators.
Agency Hours
Agency Hours are provided through a network of licensed and registered home care agencies within the True Freedom Network.
They are available for up to 5 hours per day, Monday through Friday, between 9:00 a.m. and 5:00 p.m.
Anytime Hours
Anytime Hours allow members to choose a friend or neighbor to provide approved home care services. The person cannot be a family member, relative, or someone living in the same household.
Anytime Hours may be available any day of the week and during any hours, including overnight and 24/7 live-in home care.
Built-in discount reward
Planning ahead can lower the cost of maintaining the plan.
Members can earn a 10% discount upon the anniversary renewal of their plan for each year that no home care hours have been used.
The discounted rate can peak at 40% and remain at that level until the member first accesses home care services. Additional discounts may be available for annual payments or enrolling with a spouse or partner.
Non-use reward can build up to 40%Enroll before care is needed
A True Freedom Plan must be secured before an individual needs or is receiving home care.
Independent at enrollment
Members must be able to live independently and perform daily tasks without assistance.
Progressive conditions matter
Members should not be experiencing or already diagnosed with a progressive condition affecting cognitive, physical, or mental capabilities.
Who it may fit
A Home Care Service Plan may help seniors who want to age at home with more confidence.
Frequently asked questions
Clear answers for families comparing Home Care Service Plans.
Are Home Care Service Plans insurance?
No. True Freedom Home Care Plans are service contracts, not insurance.
What do Home Care Service Plans help arrange?
They help arrange non-medical home care services such as meal preparation, grocery shopping, dressing assistance, hygiene help, light housekeeping, reminders, errands, and other approved support.
Does Medicare pay for everyday home care services?
Traditional health care programs such as Medicare, Medigap, and many Medicare Advantage plans generally focus on hospital stays, doctor bills, and some short-term skilled nursing. They typically do not cover many everyday non-medical home care services.
What is the difference between Agency Hours and Anytime Hours?
Agency Hours are provided through a network agency on weekdays during regular daytime hours. Anytime Hours may be provided by an approved friend or neighbor and may be available any day or hour, including overnight or live-in care.
When should someone enroll?
A plan must be secured before the individual needs or is receiving home care. The person must be able to live independently and perform daily tasks without assistance at enrollment.
Important information: True Freedom Plans are service contracts, not insurance. Services must be authorized and arranged through True Freedom Customer Care Coordinators. Plan details, service availability, discounts, eligibility, and limitations are subject to the terms and conditions of the service contract. Refer to the official terms and conditions for complete details.
Talk with Nassau Bay Agency.
We can help you understand Home Care Service Plans, compare plan levels, and decide whether a True Freedom plan fits your aging-in-place strategy.