Minimum standards for home health care benefits.
F.S. 627.94071
in effectA long-term care insurance policy, certificate, or rider that contains a home health care benefit must meet or exceed the minimum standards specified in this section. The policy, certificate, or rider may not exclude benefits by any of the following means:
(1)
Providing that home health care cannot be covered unless the insured or claimant would, without the home health care, require skilled care in a skilled nursing facility.
(2)
Requiring that the insured or claimant first or simultaneously receive nursing or therapeutic services in a home setting or community setting before home health care services are covered.
(3)
Limiting eligible services to services provided by registered nurses or licensed practical nurses.
(4)
Requiring that a nurse or therapist provide services covered by the policy that can be provided by a home health aide or by another licensed or certified home care worker acting within the scope of his or her license or certification.
(5)
Requiring that a licensed home health agency provide services covered by the policy that can be provided by a nurse registry licensed under chapter 400.
(6)
Excluding coverage for personal care services provided by a home health aide.
(7)
Requiring that the provision of home health care services be at a level of certification of licensure greater than that required by the eligible service.
(8)
Requiring that the insured/claimant have an acute condition before home health care services are covered.
(9)
Limiting benefits to services provided by Medicare-certified agencies or providers.
(10)
Excluding coverage for adult day care services.
Source: FL Statutes (Official Site)URL: https://www.flsenate.gov/Laws/Statutes/2025/Chapter627/AllFetched: 7/8/2026