What long-term care insurance provision covers health care provided in an individual's residence and must...

In Pennsylvania Long-Term Care Insurance policies,home health careis the provision that covers medical and supportive services provided in an individual’sresidence. This benefit must often begin within a specified time frame following a nursing home stay to qualify for coverage, depending on policy terms.

Pennsylvania-approved LTC study materials explain that home health care services may include skilled nursing care, physical therapy, occupational therapy, and assistance with activities of daily living. This provision supports continuity of care and helps insureds transition from institutional care back to their homes.

The other options do not meet the criteria described. Respite care provides temporary relief for caregivers. Adult day care offers services outside the home. Assisted living health care applies to residential facilities, not an individual’s private residence. Therefore,home health careis the correct and verified answer under Pennsylvania Life, Accident, and Health Insurance regulations.

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