True #Freedom Home Health Plans
True Freedom Plan Details - Brochure 1/2025
- Enrollment Form
- email [email protected] for fillable pdf
- Rate Chart
- One page brochure
- VIDEO Explanation on True Freedom Plan
- The Long Road Ahead Video
- The application disclaimers
- FAQ's
- True Freedom website, but be sure to enroll with us!
"Prepaid Home Health Care?"
Watch 3 minute simple plain English Video
- Email us for more information [email protected]
- Our webpage on Long Term & Home Health Care
- Our webpage on True Freedom
Medicare Coverage Comparison: Skilled Nursing vs Home Health vs Long-Term Care
| Type of Care | Skilled Nursing Facility (SNF) | Home Health Care | Long-Term Care (Custodial) |
|---|---|---|---|
| Where Care is Provided | Nursing facility / rehab center | Your home | Home, assisted living, or nursing home |
| Main Purpose | Short-term recovery after hospital stay | Medical care at home (nurse or therapy) | Help with daily living over time |
| Requires Hospital Stay? | Yes (typically 3+ inpatient days) | No (in many cases) | No |
| Type of Care | Skilled (therapy, IV meds, wound care) | Skilled (nurse visits, therapy) | Custodial (bathing, dressing, eating) |
| Medicare Coverage | Days 1–20: 100% Days 21–100: Copay After 100: Not covered |
Usually covered if medically necessary and homebound | Not covered by Medicare |
| Length of Coverage | Up to 100 days per benefit period | Intermittent / part-time visits | Ongoing / long-term |
| Key Limitation | Stops when skilled care is no longer needed | Must meet “homebound” and medical criteria | Must be paid out-of-pocket or insured |
| Common Misunderstanding | People think it covers long-term stays | People think it includes full-time caregivers | People think Medicare will pay — it won’t |
Bottom line: Medicare is designed for short-term medical care, not long-term living assistance.
Not sure which type of care applies to your situation?
✔ Get help understanding Medicare coverage
✔ Review long-term care planning options
✔ Compare Medicare Supplement plans
“Affordable short-term recovery coverage — not a substitute for long-term care insurance”
👉 And be VERY clear about:
Waiting periods
Benefit gaps (“every few months you must go without coverage” — that needs clean explanation or people will distrust it)