Home Health Care Insurance Policy A home health care insurance policy covers only care received in the community. Home health care services must be provided by a licensed home health agency. Covered services may include part-time skilled nursing care, physical therapy and assistance with activities of daily living. Return to top of page. Wisconsin Minimum Standards for Policies Long-term care insurance policies are not standardized like Medicare supplement.
Companies sell policies with many combinations of benefits and coverages.
The Wisconsin Office of the Commissioner of Insurance has set minimum standards for each of the three types of insurance policies. Policies cannot provide an elimination period longer than 365 days. They may offer an elimination period of 180 days, but the policy must offer you the opportunity to choose an elimination period of less than 180 days. An elimination period is like a deductible. It is the number of days you would have to be eligible for benefits before the insurance company would make any payments.