I am sorry I have nothing good to say about this Americare policy.It was sold to us by a man calling on our home.It was suppose to be endorsed by the American Legion.You could buy X number of hours to be used for various care.The man led us to believe it covered 48 in home care items.When I called to have someone stay with my husband while I went to see our great granddaughters ballet performance,I was told it did not cover companionship services or any of the other 42 items.It only covers 6 things all of which I don't need yet.I wish someone had alerted us before I spent $2,000 dollars for nothing