1. 1. Prohibited provisions A long-term care policy may not:

   1. A. Contain coverage for skilled nursing facilities only;

      [PL 1989, c. 556, Pt. B, §3 (NEW).]

   2. B. Exclude coverage for skilled, intermediate or custodial care received by a resident of a skilled nursing or intermediate care facility;

      [PL 1989, c. 556, Pt. B, §3 (NEW).]

   3. C. Require a prior hospital stay as a condition for any policy benefits;

      [PL 1989, c. 556, Pt. B, §3 (NEW).]

   4. D. Require a prior skilled nursing facility stay as a condition for intermediate care facility benefits; or

      [PL 1989, c. 556, Pt. B, §3 (NEW).]

   5. E. Require prior institutionalization as a condition of receipt of home health care benefits.

      [PL 1989, c. 556, Pt. B, §3 (NEW).]

   [PL 1989, c. 556, Pt. B, §3 (NEW).]

2. 2. Required provisions A long-term care policy must provide:

   1. A. Custodial care benefits that are at least 50% of those provided for skilled nursing care in a nursing facility provided that the benefits need not exceed usual, customary and reasonable charges;

      [PL 1989, c. 556, Pt. B, §3 (NEW).]

   2. B. Benefits for home health care services rendered by a home health care provider;

      [PL 1989, c. 556, Pt. B, §3 (NEW).]

   3. C. Home health care coverage for at least 90 visits in any continuous 12-month period during which coverage is in force; and

      [PL 1989, c. 556, Pt. B, §3 (NEW).]

   4. D. Per visit benefits for home health care services which are at least 50% of the daily benefit for skilled nursing facility confinement provided that the benefit need not exceed usual, customary and reasonable charges.

      [PL 1989, c. 556, Pt. B, §3 (NEW).]

   [PL 1989, c. 556, Pt. B, §3 (NEW).]

PL 1989, c. 556, §B3 (NEW).