{"data":{"id":"us-ky/krs-304.17-313","jurisdiction":"us-ky","citation":"KRS 304.17-313","heading":"Individual health insurers to offer home  health care coverage --","body":"Conditions.\n(1) All insurers issuing individual health insurance policies in the Commonwealth\nproviding coverage on an expense incurred basis shall make  available and\noffer to the purchaser coverage for home  health care. The coverage may\ncontain a limitation on the number of home health care visits for which benefits\nare payable, but the number of such visits shall not be less than sixty (60) in\nany calendar year or in any continuous period of twelve (12) months for each\nperson covered under the policy. Each visit by an authorized representative of\na home  health agency shall be considered as one (1) home  health care visit,\nexcept that at least four (4) hours of home  health aide service shall be\nconsidered as one (1) home health visit.\n(2) Home  health care coverage shall be subject to the same  deductible and\ncoinsurance provisions as are other services covered by insurers issuing\nindividual health insurance policies in the Commonwealth.\n(3) Home  health care shall not be reimbursed unless an attending physician, an\nadvanced  practice registered nurse, or a physician assistant certifies that\nhospitalization or confinement in a skilled nursing facility as defined by the\nKentucky  Health Facilities and  Health Services Certificate of Need  and\nLicensure Board would otherwise be required if home  health care was not\nprovided.\n(4) Medicare beneficiaries shall be deemed  eligible to receive home  health care\nbenefits under an individual health insurance policy providing coverage on an\nexpense incurred basis provided that the policy shall only pay for those home\nhealth care services which are not paid for by Medicare and do not exceed the\nmaximum  liability of the policy.\n(5) Pursuant to the provisions of this section, all insurers issuing individual health\ninsurance policies in the Commonwealth  on an expense incurred basis shall\ninform the beneficiaries of such policies, in writing, of the specific home health\ncare benefits which are covered. Such written notification shall take place at\nthe time of issuance or reissuance of the policy.","path":[],"source_url":"https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=50732","current_through":"Includes enactments through the 2026 Regular Session","vintage":"09/05/2026","retrieved_at":"2026-09-05T20:57:45Z","sha256":"98c3a77e71fd15a66c7390d49bc257cc73a63f5abe9b1409f598fe95181e44e0","source_id":"us-ky","stale":false,"prev":"us-ky/krs-304.17-312","next":"us-ky/krs-304.17-314"},"notice":"GroundRules: Original legal text. Not legal advice."}