{"data":{"id":"us-md/md.-code-insurance-18-110","jurisdiction":"us-md","citation":"Md. Code, Insurance § 18–110","heading":"","body":"(a) (1) In this section, “home health care services” means medical or nonmedical services provided to ill, disabled, or infirm individuals in their residences.\n(2) “Home health care services” includes:\n(i) homemaker services;\n(ii) assistance with activities of daily living; and\n(iii) respite care services.\n(b) A policy or certificate of long-term care insurance that provides benefits for home health care services may not limit or exclude benefits by:\n(1) requiring that the insured would need care in a nursing facility if home health care services were not provided;\n(2) requiring that the insured first or simultaneously receive nursing or therapeutic services at home or in a community setting before home health care services are covered.\n(3) limiting eligible services provided by registered nurses or licensed practical nurses;\n(4) requiring that a nurse or therapist provide services covered by the policy or certificate of long-term care insurance that can be provided by a home health aide or other licensed or certified home care worker who acts within the scope of licensure or certification;\n(5) requiring that the insured have an acute condition before home health care services are covered; or\n(6) limiting benefits to services provided by Medicare-certified agencies or providers.\n(c) Coverage for home health care services may be applied to the coverage for other benefits provided in the policy or certificate of long-term care insurance when determining maximum coverage under the terms of the policy or certificate.","path":["Article - Insurance"],"source_url":"https://mgaleg.maryland.gov/mgawebsite/Laws/StatuteText?article=gin\u0026section=18-110","current_through":"2026-01-01","vintage":"","retrieved_at":"2026-09-14T19:59:28Z","sha256":"aa8be458ed42cf456db35952afa99177bc2e778afd55b06fa0f89089e297c3fb","source_id":"us-md","stale":false,"prev":"us-md/md.-code-insurance-18-109","next":"us-md/md.-code-insurance-18-111"},"notice":"GroundRules: Original legal text. Not legal advice."}