California Life and Health Insurance Practice Exam

Which of the following is NOT typically covered by long-term care insurance?

1. Nursing home care

2. Home health care

3. Hospital acute care

4. Assisted living facility care

The correct answer is: Hospital acute care

Long-term care insurance is designed to provide coverage for assistance with daily living activities and custodial care over an extended period. It typically covers services that are not primarily medical but rather custodial in nature, such as assistance with bathing, dressing, eating, and mobility. Hospital acute care, on the other hand, is focused on providing treatment during a severe medical condition or illness that requires immediate medical attention. This type of care is generally covered by health insurance instead of long-term care insurance, as it addresses short-term healthcare needs rather than the ongoing, non-medical assistance that long-term care insurance is intended to cover. Therefore, based on the nature of the services provided, hospital acute care is not typically included in the coverage offered by long-term care insurance. This illustrates that the primary purpose of long-term care insurance is to support individuals who require ongoing assistance due to chronic illnesses or disabilities, differentiating it from the acute medical care provided in hospitals.