Insurance

Short-Term Care Insurance in Missouri

Affordable Coverage for Recovery and Temporary Care Needs

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What Is Short-Term Care Insurance?

Short-term care insurance is a flexible and affordable way to help pay for care you may need for 360 days of service—such as after surgery, during illness recovery, or simply to delay the transition into a long term care facility for as long as possible.


It’s similar to long-term care insurance but with shorter coverage periods, easier qualification, and lower premiums. If you’re concerned about affording care but don’t need a full long-term policy, this may be the right solution.

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When Does Short-Term Care Help?

it can help cover:

  • In-home recovery assistance

  • Temporary nursing facility stays

  • Replace lost wages if you can’t work

  • Hospice or transitional care

  • Gaps between Medicare or other coverage

It’s an ideal option for people who are older, have pre-existing health conditions, or want a safety net without committing to a long-term policy.

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Why People Choose Short-Term Care

Depending on your policy, short-term care insurance can pay for:

  • Simplified underwriting – often no medical exam required

  • Lower monthly premiums than long-term care policies

  • Customizable benefit periods (30 to 360 days)

  • Cash benefits paid directly to you or your care provider

  • Available as a standalone or supplemental policy

You choose the benefit amount, duration, and care options that fit your preferences and budget. Some policies also include inflation protection to help your benefits keep up with rising costs over time.

Faithful Guidance

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At The Advocate Group, we understand that every care situation is different. We’ll help you compare short-term care options and explain how it fits into your larger healthcare or retirement plan.


Our team is here to answer your questions with integrity and compassion—just like we would for our own family.

Honest Answers

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Let’s Talk About Your Care Options

Short-term care insurance can help you plan ahead without overcommitting. If you’re unsure what type of coverage you need, we’ll walk you through it step by step.

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FAQs

  • What’s the difference between short-term and long-term care insurance?

    Short-term care covers care for up to 12 months. Long-term care is designed for extended or lifelong needs. We’ll help you decide what makes sense based on your health, budget, and goals.

  • Is short-term care insurance a good option for older adults?

    Yes. It’s often easier to qualify for and more affordable, especially for individuals in their 60s, 70s, or even older.

  • Can this help if I’m recovering from a surgery or illness?

    Absolutely. Many people use short-term care insurance to help pay for recovery services Medicare doesn’t fully cover.

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