State RegulationsOH specificDifficulty 1/5
Which statement best describes home health care coverage under an Ohio long-term care policy?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under the long-term care framework of OAC 3901-4-01, home health care is a covered care setting in which skilled nursing and personal care services are delivered in the insured's residence under a plan of care, with eligibility measured by the same activities-of-daily-living and cognitive-impairment standards described in OAC 3901-4-01(H)(7). Home-based coverage lets policyholders receive long-term care without institutional confinement.
Why the other options are wrong
- B) Home health care is a primary care setting under the policy, not a benefit released only after nursing facility benefits are spent down.
- C) Home health care supplements the policy's care settings; it does not eliminate institutional coverage.
- D) Physician office visits are ordinary medical care, not the in-home skilled and personal services that home health care benefits pay for.
Memory hook
Home health brings LTC to the doorstep, same triggers.