(a)(1) In this section, “home health care services” means medical or nonmedical services provided to ill, disabled, or infirm individuals in their residences.
(2)“Home health care services” includes:
(ii)assistance with activities of daily living; and
(iii)respite care services.
(b)A policy or certificate of long-term care insurance that provides benefits for home health care services may not limit or exclude benefits by:
(1)requiring that the insured would need care in a nursing facility if home health care services were not provided;
(2)requiring that the insured first or simultaneously receive nursing or therapeutic services at home or in a community setting b
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(a) (1) In this section, “home health care services” means medical or nonmedical services provided to ill, disabled, or infirm individuals in their residences.
(2) “Home health care services” includes:
(i) homemaker services;
(ii) assistance with activities of daily living; and
(iii) respite care services.
(b) A policy or certificate of long-term care insurance that provides benefits for home health care services may not limit or exclude benefits by:
(1) requiring that the insured would need care in a nursing facility if home health care services were not provided;
(2) requiring that the insured first or simultaneously receive nursing or therapeutic services at home or in a community setting before home health care services are covered.
(3) limiting eligible services provided by registered nurses or licensed practical nurses;
(4) requiring that a nurse or therapist provide services covered by the policy or certificate of long-term care insurance that can be provided by a home health aide or other licensed or certified home care worker who acts within the scope of licensure or certification;
(5) requiring that the insured have an acute condition before home health care services are covered; or
(6) limiting benefits to services provided by Medicare-certified agencies or providers.
(c) Coverage for home health care services may be applied to the coverage for other benefits provided in the policy or certificate of long-term care insurance when determining maximum coverage under the terms of the policy or certificate.