Maryland Life and Health Insurance License Practice Exam

Which three levels of care are generally provided under Long-Term Care policies?

1. Residential, hospice, and rehabilitation

2. Skilled nursing, intermediate, and custodial care

3. In-home, assisted living, and hospitalization

4. Emergency, routine, and respite care

The correct answer is: Skilled nursing, intermediate, and custodial care

Long-Term Care policies are designed to cover various types of care that individuals may need due to chronic illness, disability, or age-related issues. The three levels of care typically addressed in these policies are skilled nursing care, intermediate care, and custodial care. Skilled nursing care involves 24-hour supervision by trained medical professionals and is often provided in nursing facilities. This level of care is necessary when individuals have complex medical needs that require regular monitoring and treatments administered by licensed personnel. Intermediate care is less intensive than skilled nursing care and may include supervision and assistance with daily activities, but not constant medical attention. It is designed for individuals who do not require the full spectrum of medical care but still need help as they recover or manage their conditions. Custodial care is primarily focused on assistance with personal daily activities such as bathing, dressing, and eating. This level of care is essential for individuals who may not have complex medical needs but cannot perform these activities independently. Understanding these three distinct levels of care is crucial for evaluating Long-Term Care policies effectively, as they determine the type of services and environments covered under these insurance plans.