Maryland Insurance Section 18-110
§ 18-110.
  (a)   (1)   In this section, "home health care services" means medical or nonmedical services provided to ill, disabled, or infirm individuals in their residences.
    (2)   "Home health care services" includes:
      (i)   homemaker services;
      (ii)   assistance with activities of daily living; and
      (iii)   respite care services.
  (b)   A policy or certificate of long-term care insurance that provides benefits for home health care services may not limit or exclude benefits by:
    (1)   requiring that the insured would need care in a nursing facility if home health care services were not provided;
    (2)   requiring that the insured first or simultaneously receive nursing or therapeutic services at home or in a community setting before home health care services are covered.
    (3)   limiting eligible services provided by registered nurses or licensed practical nurses;
    (4)   requiring that a nurse or therapist provide services covered by the policy or certificate of long-term care insurance that can be provided by a home health aide or other licensed or certified home care worker who acts within the scope of licensure or certification;
    (5)   requiring that the insured have an acute condition before home health care services are covered; or
    (6)   limiting benefits to services provided by Medicare-certified agencies or providers.
  (c)   Coverage for home health care services may be applied to the coverage for other benefits provided in the policy or certificate of long-term care insurance when determining maximum coverage under the terms of the policy or certificate.