State RegulationsMI specificDifficulty 2/5
A Traverse City policyholder wants care delivered in her own home rather than in a nursing facility. Which statement reflects Michigan law on home health care under long-term care policies?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Michigan law expressly addresses home health care benefits in long-term care policies through M.C.L. 500.3913. Coverage is not confined to institutional settings; policies may pay for qualifying care delivered in the insured's home, which reflects the consumer-protection purpose of expanding care options under the Michigan Insurance Code's long-term care chapter (M.C.L. 500.3901 to 500.3955).
Why the other options are wrong
- B) M.C.L. 500.3913 contradicts any blanket exclusion of home health care from long-term care policies.
- C) No hospital-stay precondition exists anywhere in the long-term care statutes for home care benefits.
- D) Institutional nursing facilities are not the only covered setting; home care is expressly addressed by statute.
Memory hook
Home care has its own statute — M.C.L. 500.3913.