The North Dakota Department of Insurance may add a section on short-term care insurance (STCI) to the state administrative code.
The department has posted a draft version of STCI regulations on its website.
The state would define STCI as any type of insurance policy, certificate or rider designed to provide coverage for less than 12 consecutive months for care provided in a setting other than the acute care unit of a hospital.
The definition would include benefits for care in an adult day care facility or an assisted living facility as well as a skilled nursing facility, extended care facility or convalescent nursing home.
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The definition also would include policies that provide benefits for home health care, and any policy advertised or offered as being a short-term care insurance policy.