2014 Kentucky Revised Statutes CHAPTER 304 - INSURANCE CODE Subtitle 17 - Health Insurance Contracts 17.17-313 Individual health insurers to offer home health care coverage -- Conditions.
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304.17-313 Individual health insurers to offer home health care coverage -Conditions.
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All insurers issuing individual health insurance policies in the Commonwealth
providing coverage on an expense incurred basis shall make available and
offer to the purchaser coverage for home health care. The coverage may
contain a limitation on the number of home health care visits for which benefits
are payable, but the number of such visits shall not be less than sixty (60) in
any calendar year or in any continuous period of twelve (12) months for each
person covered under the policy. Each visit by an authorized representative of
a home health agency shall be considered as one (1) home health care visit,
except that at least four (4) hours of home health aide service shall be
considered as one (1) home health visit.
Home health care coverage shall be subject to the same deductible and
coinsurance provisions as are other services covered by insurers issuing
individual health insurance policies in the Commonwealth.
Home health care shall not be reimbursed unless an attending physician
certifies that hospitalization or confinement in a skilled nursing facility as
defined by the Kentucky Health Facilities and Health Services Certificate of
Need and Licensure Board would otherwise be required if home health care
was not provided.
Medicare beneficiaries shall be deemed eligible to receive home health care
benefits under an individual health insurance policy providing coverage on an
expense incurred basis provided that the policy shall only pay for those home
health care services which are not paid for by Medicare and do not exceed the
maximum liability of the policy.
Pursuant to the provisions of this section, all insurers issuing individual health
insurance policies in the Commonwealth on an expense incurred basis shall
inform the beneficiaries of such policies, in writing, of the specific home health
care benefits which are covered. Such written notification shall take place at
the time of issuance or reissuance of the policy.
Effective:January 1, 1981
History: Created 1980 Ky. Acts ch. 61, sec. 2, effective January 1, 1981.
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