State RegulationsFL specificDifficulty 1/5
Under Florida long-term care terminology, alternate care refers to:
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Under Florida's LTC terminology standards in Chapter 627, Florida Statutes, alternate care describes medically appropriate substitute services or care settings, used in place of the institutional care the policy would otherwise cover, that satisfy the insured's needs under the policy's terms. The concept lets a policy pay for a workable alternative rather than forcing an institutional stay, benefiting both the insured's quality of life and the cost of care.
Why the other options are wrong
- A) Alternate care has nothing to do with the provider's geographic location inside or outside Florida.
- C) Family-delivered care is not the defining feature; alternate care concerns substituting services or settings under the policy.
- D) A second medical opinion is a utilization-review concept, not the alternate care benefit concept.
Memory hook
Alternate care = a sensible substitute for institutional care.