Learn about Short-Term Home Health Care coverage before an unexpected need arises.
Education Before a Crisis

Protect Your Health.Preserve Your Financial Future.

One unexpected medical event can change your financial future. Our goal is to help you understand your options before you need them.

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Experience. Education. Compassion.

Why I Do What I Do

Sandra Olvera Financial Educator Insurance Professional

Hi, I'm Sandra Olvera, a licensed Life and Health Insurance Agent dedicated to helping individuals, families, seniors, and business owners make confident decisions about their insurance coverage.

I founded Protecon Insurance with one simple goal: to make insurance easier to understand and more accessible. I believe every client deserves personalized guidance—not a one-size-fits-all solution. Whether you're preparing for Medicare, looking for health or life insurance, planning for retirement, or seeking employee benefits for your business, I'm here to help you find coverage that fits your needs and your budget.

My approach is built on education, honesty, and long-term relationships. I take the time to explain your options in clear, simple language so you can make informed decisions with confidence. My goal isn't just to help you enroll in a plan—it's to be a trusted resource for you and your family for years to come.

Guidance built on understanding.
The expense many families do not anticipate Custodial care can include help with everyday activities such as bathing, dressing, eating, and moving safely around the home.
What Many People Do Not Realize

Medicare generally does not pay for custodial care when that is the only care you need.

Medicare may cover qualifying skilled home health services for eligible individuals, but it does not generally cover ongoing help with everyday personal-care needs by itself.

When custodial care is not covered, the individual and family may be responsible for paying those expenses out of pocket. Learning about this gap before a medical event gives you time to consider options that may help protect your savings, independence, and family.

Short-Term Home Health Care insurance is one option designed to help address this potential financial gap.

Support That Helps You Stay Independent

GTL Short-Term Home Health Care Insurance pays benefits directly to you for covered custodial care that Medicare does not cover. Benefits become available when you are unable to perform 2 of the 6 Activities of Daily Living.

Covered services include skilled nursing, physical therapy, general nursing care, assistance from home health care aides, plus five other services. No, these benefits do not require a hospital stay to qualify.

Additional Benefits Include:

  • TCare for Family Caregivers — Additional support designed for family caregivers.
  • Prescription Drug Benefits — Additional benefits for prescription drug needs.
  • Restoration of Benefits — Provides for the restoration of eligible benefits as defined by the policy.

Help Protect Your Finances

Policy benefits are paid directly to you and may help with covered home health care expenses.

Stay at Home

Covered services may help you receive needed support while remaining in familiar surroundings.

Support Family Caregivers

Family caregiver benefits may help support a loved one who assists with your care.

Prepare Today. Move Forward with Confidence.

Education creates confidence. Request a complimentary conversation about protecting your independence, your family, and your financial future.

Complete the consultation form above to request your complimentary consultation.