Maryland Life and Health Insurance License Practice Exam

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Prepare for the Maryland Life and Health Insurance Exam. Utilize flashcards and multiple-choice questions, each with hints and explanations. Achieve success in obtaining your license!

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What type of care is NOT typically provided by a long-term care policy?

Home healthcare
Acute care
Nursing home care
Assisted living services

The correct answer is: Acute care

A long-term care policy is designed primarily to cover various types of assistance for individuals who are unable to perform basic activities of daily living due to chronic illness, disability, or other health-related issues. These policies usually include coverage for home healthcare, nursing home care, and assisted living services, as they focus on providing support for ongoing care needs rather than for short-term medical issues. Acute care, on the other hand, is typically provided in a hospital setting and is intended for diagnosing and treating urgent medical conditions or injuries. It focuses on immediate treatment rather than long-term supportive services. Because of this distinction, acute care does not align with the fundamental purpose of long-term care policies, which aim to support individuals over an extended time for chronic conditions rather than treating acute medical problems.