State RegulationsVA specificDifficulty 1/5
Under Virginia's long-term care rules, which of the following is a mode or setting of care that long-term care coverage is designed to address?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Virginia's long-term care definitions under 14 VAC 5-200-50 treat long-term care as a spectrum of chronic-care services: institutional nursing care, home health care delivered in the insured's residence, and community-based programs such as adult day care. Recognizing these settings is essential because modern LTC policies pay across the continuum, letting insureds receive care at home or in day programs rather than being forced into facilities. Acute care, routine dental or vision services, and disability income replacement fall outside the long-term care design.
Why the other options are wrong
- A) Acute hospital episodes are health insurance territory, not the chronic-care focus of long-term care coverage.
- C) Routine dental and vision services are ancillary health benefits unrelated to long-term care.
- D) Disability income replaces lost wages from inability to work; LTC pays for care services.
Memory hook
LTC spans the continuum: nursing home, home health, and adult day care.