Nursing Home Care and Long-Term Care Insurance Policies

What this document is

Maine Revised Statutes Title 24-A Chapter 68 - Nursing Home Care and Long-Term Care Insurance Policies is a state statute published by Maine Legislature, Office of the Revisor of Statutes (legislature.maine.gov). It is one of the Maine documents that insurance license exam questions are written from, including maine life & health practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

• 24-A M.R.S. Chapter 68 § 5053 (Rulemaking, Disclosure Standards, Compensation)

  “The superintendent may adopt reasonable rules to provide for the full and fair disclosure of information in connection with the sale of long-term care, home health care and nursing home care policies, including, but not limited to, an outline of coverage requirements and requirements relating to...”

• 24-A M.R.S. Chapter 68 § 5052-A (Trial Examination Period)

  “Nursing home care, home health care and long-term care policies must have a notice prominently printed on the first page of the policy or certificate or attached to the first page stating in substance that the applicant has the right to return the policy or certificate within 30 days of its...”

• 24-A M.R.S. Chapter 68 § 5056(2) (Standards for Marketing, Excessive Insurance)

  “2. Excessive insurance. Establish marketing procedures to ensure that excessive insurance is not sold or issued. The procedures must include a specific standard for persons covered by Medicaid;”

• 24-A M.R.S. Chapter 68 § 5051-A(1) (Prohibited provisions)

  “A long-term care policy may not: A. Contain coverage for skilled nursing facilities only; B. Exclude coverage for skilled, intermediate or custodial care received by a resident of a skilled nursing or intermediate care facility; C. Require a prior hospital stay as a condition for any policy benefits;”

• 24-A M.R.S. Chapter 68 § 5051(2) (Definitions, nursing home)

  “"Nursing home" means any facility located in this State which is licensed by the Department of Health and Human Services as a skilled nursing facility or intermediate care facility and any equivalent facility located in another state or country and licensed according to the laws of that jurisdiction.”

Practice this material

Questions about this source

More Maine sources

• Me. Rev. Stat. tit. 24-A, s. 2152: Unfair methods; deceptive acts prohibitedState statute
• Me. Rev. Stat. tit. 24-A, s. 1420-A: Insurance producer licensing definitionsState statute
• Me. Rev. Stat. tit. 24-A, s. 2153: Misrepresentation; false advertising of policiesState statute
• 24-A M.R.S. Chapter 33 - Health Insurance Contracts (Secs. 2701 onward, selected)State statute
• Maine Revised Statutes Title 24-A Chapter 1 - General Definitions and ProvisionsState statute
• Maine Revised Statutes Title 24-A Chapter 17 - Agents, Brokers, Consultants and AdjustersState statute
• Maine Revised Statutes Title 24-A Chapter 21 - Unauthorized Insurers: Prohibitions, Process and AdvertisingState statute
• Maine Revised Statutes Title 24-A Chapter 23 - Trade Practices and FraudsState statute