Definition

"Short-term care insurance" means any insurance policy, group certificate, or rider primarily advertised, marketed, offered, or designed to provide coverage for less than twelve consecutive months for each covered person on an expense incurred, indemnity, prepaid, or other basis, for one or more necessary or medically necessary diagnostic, preventive, therapeutic, rehabilitative, maintenance, or personal care services provided in a setting other than an acute care unit of a hospital. Service settings may include a hospital unit licensed or certified to provide skilled nursing services in a skilled nursing facility, extended care facility, intermediate care facility, convalescent nursing home, basic care facility, personal care facility, adult day care facility, and assisted living facility. The term also includes home health care and personal care services provided by a home health care agency. Notwithstanding any other provision contained herein, any product advertised, marketed, or offered as short-term care insurance is subject to the provisions of this chapter.