State RegulationsFL specificDifficulty 2/5
A Florida policyowner lives at home and needs an aide for bathing and dressing, plus meal preparation, with no skilled medical services involved. For purposes of long-term care coverage, the needed services are best classified as:
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under Florida's LTC terminology standards in Chapter 627, Florida Statutes, non-medical personal assistance delivered in the insured's residence, such as bathing, dressing, and meal preparation, is home care rather than home health care, which requires skilled nursing or therapeutic services by licensed professionals. Setting alone does not make care health care: the classifier is the nature of the service, and here no skilled medical service is involved.
Why the other options are wrong
- A) Location does not control; home health care requires skilled nursing or therapy from licensed professionals, which is absent here.
- B) A written care plan does not elevate unskilled personal assistance to skilled care, which requires licensed medical personnel.
- D) Alternate care refers to substitute services under the policy in place of institutional care, not routine personal assistance at home.
Memory hook
At home with no nurse = home care.