Question

Under a Long Term Care policy, which benefit would be typically excluded or limited?

1) Hospitalization
2) Prescription drugs
3) Nursing home care
4) Home health care

Answer 1

Under a Long Term Care policy, the benefit of prescription drugs would typically be excluded or limited. These policies focus on assisting with daily living activities or supervision rather than covering medication costs.

Step-by-step explanation:

Under a Long Term Care policy, the benefit that would typically be excluded or limited is prescription drugs. While long-term care insurance is designed to cover services like nursing home care, home health care, and personal or adult day care for individuals with chronic or disabling conditions, prescription drugs often have separate coverage rules. These policies tend to focus on providing assistance with daily living activities or supervision for cognitive impairment. The coverage of hospitalization is typically under Medicare or other health insurances, and while long-term care policies might complement that coverage, they do not replace it.