Rule 19-3-8.10 - Minimum Standards for Home Health Care Benefits in Long-Term Care Insurance PoliciesA. A long-term care insurance policy or certificate may not, if it provides benefits for home health care services, limit or exclude benefits: 1. By requiring that the insured/claimant would need skilled care in a skilled nursing facility if home health care services not provided;2. By requiring that the insured/claimant first or simultaneously receive nursing and/or therapeutic services in a home or community setting before home health care services are covered;3. By limiting eligible services to services provided by registered nurses or licensed practical nurses;4. By 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 his or her licensure or certification;5. By requiring that the insured/claimant have an acute condition before home health care services are covered;6. By limiting benefits to services provided by Medicare-certified agencies or providers.B. Home health care coverage may be applied to the non-home health care benefits provided in the policy or certificate when determining maximum coverage under the terms of the policy or certificate.Miss Code Ann § 83-5-1 (Rev. 2011)