18 Del. Admin. Code § 1404-12.0

Current through Register Vol. 28, No. 5, November 1, 2024

Section 1404-12.0 - Minimum Standards for Home Health and Community Care Benefits in Long-Term Care Insurance Policies

12.1 A long-term care insurance policy or certificate shall not, if it provides benefits for home health or community care services, limit or exclude benefits by:

12.1.1 Requiring that the insured/claimant would need skilled care in a skilled nursing facility if home health care services were not provided;

12.1.2 Requiring that the insured/claimant first or simultaneously receive nursing or therapeutic services or both in a home, community or institutional setting before home health care services are covered;

12.1.3 Limiting eligible services to services provided by registered nurses or licensed practical nurses;

12.1.4 Requiring that a nurse or therapist provide services covered by the policy that can be provided by a home health aide, or other licensed or certified home care worker acting within the scope of the certified home care worker's licensure or certification;

12.1.5 Excluding coverage for personal care services provided by a home health aide;

12.1.6 Requiring that the provision of home health care services be at a level of certification or licensure greater than that required by the eligible service;

12.1.7 Requiring that the insured/claimant have an acute condition before home health care services are covered;

12.1.8 Limiting benefits to services provided by Medicare-certified agencies or providers; or

12.1.9 Excluding coverage for adult day care services.

12.2 A long-term care insurance policy or certificate, if it provides for home health or community care services, shall provide total home health or community care coverage that is a dollar amount equivalent to at least one-half of one year's coverage available for nursing home benefits under the policy or certificate. This requirement shall not apply to policies or certificates issued to residents of continuing care retirement communities.

12.3 Home health care coverage may be applied to non-home health care benefits provided in the policy or certificate when determining the maximum coverage under the terms of the policy or certificate.

18 Del. Admin. Code § 1404-12.0

25 DE Reg. 714 (1/1/2022) (final)