Supplemental coverage designed for care at home—and the costs around it.
Compare home health coverage options from ManhattanLife, GTL, and Heartland National Life, then review the carrier materials with a Vistara advisor.
Recover at home
Explore ManhattanLife Home Health Care Enhanced.
Plan for short-term care
Consider OmniFlex facility and optional home care benefits.
Add broader fixed benefits
Review Affordable Choice Enhanced.
Protect against hospital gaps
Customize Hospital Indemnity Select.
Medicare covers qualifying skilled care. It does not cover every kind of help at home.
Coverage depends on medical necessity, homebound status, a provider-directed care plan, and a Medicare-certified agency. Long-term custodial care, 24-hour care, meals, and homemaker services unrelated to a care plan are generally not covered.
That distinction matters because many families need practical, ongoing support—not only intermittent skilled services.
Non-medical caregiver services based on 44 hours of care per week, according to CareScout’s 2025 Cost of Care Survey.
In most qualifying cases, Medicare describes skilled nursing and home-health-aide services as part-time or intermittent, generally up to 28 combined hours weekly.
The 2026 Original Medicare Part A inpatient deductible applies to each hospital benefit period; it can be owed more than once in a year.
Compare home health coverage from three carriers.
Vistara works with ManhattanLife, GTL, and Heartland National Life. Product details, eligibility, benefits, and availability vary by state and policy.
Home Health Care Enhanced
Vistara offers ManhattanLife Home Health Care Enhanced. Review the carrier overview and policy materials for benefit details, eligibility, limitations, and state availability.
Short-Term Home Health Care Insurance
GTL offers short-term home health care insurance designed to provide defined benefits for eligible care and support at home. Coverage details and availability are governed by the policy issued in your state.
Home health coverage options
Vistara also works with Heartland National Life. An advisor can help you compare available home health coverage materials and determine which carrier option fits your needs and location.
See home health plan prices available to you.
Choose your state and date of birth, then add your regular prescriptions to compare available carrier pricing, annual benefit ceilings, and estimated reimbursement.
Real carrier premiums
Pricing comes from Vistara’s quoting service based on the information you enter.
Private price check
The quote request sends age and plan inputs—not your name, phone number, or date of birth.
Found an option you want to discuss?
Submit ApplicationQuotes are estimates based on the information entered and do not guarantee eligibility or coverage. Review the carrier materials and issued policy for complete terms, limitations, and exclusions.
See how the ManhattanLife and GTL options work.
Watch each carrier overview, then review the applicable policy materials with a Vistara advisor before choosing coverage.
ManhattanLife: Home Health Care Enhanced overview
Watch on VimeoGTL: Short-Term Home Health Care Insurance with TCARE benefit
Watch on VimeoAdd support around the way care happens at home.
Riders can add targeted benefits to an eligible base policy. Availability, benefit amounts, definitions, and limits vary by carrier, state, and selected coverage.
Homemaker Benefit
ManhattanLife highlight
An optional benefit designed to help with eligible homemaker services that support day-to-day needs while care is being received at home. Exact covered services, limits, and eligibility are defined by the policy.
Family Caregiver Benefit
GTL highlight
An optional benefit that may provide support when an eligible family caregiver delivers qualifying care. Review GTL’s policy materials for caregiver requirements, benefit limits, and claim conditions.
Ambulance Benefit
Common rider option
May provide a scheduled benefit for eligible ambulance transportation connected to a covered event, subject to the selected carrier and policy terms.
Home Medical Equipment
Common rider option
May help with eligible home medical equipment used to support qualifying care at home. Covered equipment and benefit amounts vary by carrier and policy.
Accident Expense Benefit
Common rider option
May provide scheduled benefits for qualifying accident-related expenses. Availability, covered events, exclusions, and limits depend on the policy issued in your state.
Compare more than the carrier name.
Use this side-by-side view to identify which policy materials and optional benefits deserve a closer look. Final benefits, eligibility, riders, and availability are determined by the policy issued in your state.
| Carrier | Home health option | Highlighted optional benefit | Materials on this page | May be worth exploring if… | What to confirm |
|---|---|---|---|---|---|
| ManhattanLife | Home Health Care Enhanced | Homemaker Benefit | Enhanced overview video | You want to review optional support for eligible homemaker services while receiving care at home. | Covered services, waiting periods, benefit limits, and state availability |
| GTL | Short-Term Home Health Care Insurance | Family Caregiver Benefit | TCARE overview video and carrier brochure | You want to understand how qualifying care provided by an eligible family caregiver may be addressed. | Caregiver eligibility, qualifying care, claim requirements, and benefit limits |
| Heartland National Life | Home health coverage options | Options reviewed with an advisor | Advisor-provided carrier materials | You want another carrier pathway included in a personalized comparison. | Available base policy, optional riders, underwriting, pricing, and state availability |
Benefit trigger
What must happen before a covered benefit becomes payable?
Who can provide care
Does the policy require a licensed provider, or can an eligible family caregiver qualify?
Limits and waiting periods
Compare elimination periods, benefit periods, maximums, and restoration rules.
Rider availability
Confirm whether homemaker, caregiver, ambulance, equipment, and accident riders are offered in your state.
This comparison is educational and does not replace the carrier brochure, outline of coverage, or issued policy. A Vistara advisor can help compare the options available in your state.
Ready to compare your options?
Contact Vistara to discuss the carriers, optional riders, and home health coverage available in your state.
Clear answers before you apply.
Use these answers as a starting point, then review the carrier brochure, disclosures, and policy details for your state.
Which ManhattanLife home health plan does Vistara offer?
Vistara offers ManhattanLife Home Health Care Enhanced. Product details, eligibility, benefits, and availability are governed by the policy issued in your state.
Which home health insurance carriers does Vistara work with?
Vistara works with ManhattanLife, GTL, and Heartland National Life for home health coverage options. Carrier, product, and state availability can vary.
Are home health insurance plans the same as major medical insurance?
No. These are limited or supplemental insurance products and are not replacements for Medicare, Medicare Advantage, or comprehensive major medical coverage. Review the policy for exact benefits, exclusions, and limitations.
How do I compare the available home health options?
Start with the carrier videos and brochures on this page, then speak with a Vistara advisor. The policy and outline of coverage for your state control the actual benefits, eligibility conditions, limits, and exclusions.
Where can I review ManhattanLife limitations before applying?
Review ManhattanLife’s pre-enrollment disclosures before applying. The policy and rider provisions control if any summary differs.
Review ManhattanLife disclosures