FYM Financial — Home Health Care Coverage

What They Don't Tell You

The Coverage Gap That Sends
Seniors to Nursing Homes

Medicare covers the hospital and rehab. But when it's time to go home — when you need help bathing, dressing, or someone watching over you — Medicare stops.

What Medicare Pays for Daily Home Help

$0

Medicare does not cover 24-hour care, daily personal care, bathing, dressing, meal prep, or long-term support at home.

VS

Available Cash Benefits with UNL Home Care Shield

$150,000

Paid directly to you. Use it for home health aides, personal care, 24-hour help — whatever it takes to stay home.

70% of Americans 65+ will need long-term care at some point

$150,000 per year — the median cost of home care

1 in 4 seniors falls each year — half who break a hip never return home

Sources: A Place for Mom, 2023 · CareScout Cost of Care Survey, 2023 · CDC, Keep on Your Feet

Your Free Coverage Check

See If You Qualify — Takes 60 Seconds

Free Coverage Estimate

Answer a few quick questions to see your options.

Step 1 of 5

Enter your contact info

First Name *

Last Name *

Mobile Phone *

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Step 2 of 5

What is your age range?

50–59 60–64 65–74 75+

Step 3 of 5

Do you currently have home health care coverage?

No Yes Not Sure

Step 4 of 5

What is your primary concern?

Recovering from a fall Post-surgery care Daily living help Planning ahead

Step 5 of 5

Do you need help with daily activities (bathing, dressing, etc.)?

Yes, currently Not yet, but planning For a family member

Your information is secure and never sold.

The Solution

Up to $150,000 in Cash to Stay Home

UNL's Home Care Shield pays you cash directly, so you can afford the care Medicare won't cover. No hospital stay required.

Cash Paid Directly to You

Up to $450/day paid to you — not a hospital. Use it for home aides, personal care, or 24-hour help. Covers skilled nursing, PT, OT, and more.

No Hospital Stay Required

Unlike most plans, you don't need prior hospitalization. You qualify based on needing help with daily activities.

Prescription Savings Day One

Save up to $900/year on prescriptions — $10 for generics, $25 for name brands. Benefits start immediately.

Benefits Can Restore

After 180 days of recovery, benefits can restore — so one illness doesn't use up your protection for life.

Up to $150,000 in benefits. Plans starting around $53/month.

See If I Qualify — Free

The Real Difference

Without Protection vs. With Home Care Shield

The difference between staying home and never going home again.

Without Home Care Shield

Fall or illness → hospital → rehab → nursing home (often permanent)
Pay $25–$40/hour out of pocket for in-home care
24-hour care can cost $300+/day
Family caregiver takes unpaid leave — or quits
Savings drained in 6–12 months
Lose independence, lose your home

With UNL Home Care Shield

Fall or illness → hospital → rehab → HOME, with cash to pay for help
Up to $450/day paid directly to you
Hire the in-home care you actually need
$3,500 cash for your family caregiver
Up to $150,000 in benefits (can restore)
Stay in your home. Keep your independence.

For just $53/month, Jane turned an $80,000 out-of-pocket crisis into $100,000 in cash benefits — and she recovered at home.

See If I Qualify — Free

Caregiver Support

Your Family Shouldn't Have to Choose Between Their Job and Caring for You

UNL Home Care Shield pays your family caregiver $3,500 in cash — on top of your benefits.

$3,500 Cash Benefit

Paid to a family member caring for you at home. Use it for lost wages, gas, groceries, respite care — anything they need.

TCARE Concierge Support

Access to caregiver coaching, local resource referrals, digital tools, and 3-month follow-up with a specialist — all included.

Comprehensive Support

Caregivers get the tools and support they need to prevent burnout, so they can keep you home longer.

Caregiver benefit is paid after an approved claim and caregiver assessment.

A Real Story

Jane's Story: How She Stayed Home After Breaking Her Hip

Jane is 65. She broke her hip. Her recovery costs topped $40,000. Her Plan B costs $53.35/month and paid $100,000 in benefits — so she could hire the home help she needed. Her daughter, who took time off work, received $3,500. Jane never had to leave her home.

$53.35

Monthly Premium

$100K+

Available Benefits

$3,500

Caregiver Benefit

Day One Bonus: Jane saves $600/year on just 2 prescriptions — $10 for generics, $25 for brand-name. Her Rx savings nearly cover her entire monthly premium.

Real customer story. Names and details may be edited for clarity and privacy.