Section 18.04.11.016 - MINIMUM STANDARDS FOR HOME HEALTH AND COMMUNITY CARE BENEFITS IN LONG-TERM CARE INSURANCE POLICIES01.Limitations or Exclusions. A long-term care insurance policy or certificate cannot, if it provides benefits for home health care or community care services, limit or exclude benefits:a. By requiring that the insured or claimant would need care in a skilled nursing facility if home health care services were not provided;b. By requiring that the insured or claimant first or simultaneously receive nursing or therapeutic services, or both, in a home, community, or institutional setting before home health care services are covered;c. By limiting eligible services to services provided by registered nurses or licensed practical nurses;d. By requiring that a nurse or therapist provide services covered by the policy that can be provided by a home health aide, or other licensed or certified home care worker acting within the scope of their licensure or certification;e. By excluding coverage for personal care services provided by a home health aide;f. By requiring that the provision of home health care services be at a level of certification or licensure greater than that prescribed by the eligible service;g. By requiring that the insured or claimant have an acute condition before home health care services are covered;h. By limiting benefits to services provided by Medicare-certified agencies or providers; ori. By excluding coverage for adult day care services.02.Coverage Equivalency. A long-term care insurance policy or certificate, if it provides for home health or community care services, provides total home health or community care coverage that is a dollar amount equivalent to at least one-half (1/2) of one (1) year's coverage available for nursing home benefits under the policy or certificate, at the time covered home health or community care services are being received. This requirement cannot apply to policies or certificates issued to residents of continuing care retirement communities.03.Maximum Coverage. Home health care coverage may be applied to the non-home health care benefits provided in the policy or certificate when determining maximum coverage under the terms of the policy or certificate.Idaho Admin. Code r. 18.04.11.016