Generally, which three levels of care are Long-Term Care policies provided with?

• A. Intermediate, Skilled Nursing, and Custodial care
• B. Acute care, Nursing care, Home health
• C. Primary care, Specialty care, Acute care
• D. Inpatient, Outpatient, Telehealth

Answer: (B)

Long-term care benefits are designed to apply across different care settings, not just one place. The three levels of care this policy commonly covers are care that happens in an acute hospital setting, ongoing nursing care (which can be skilled or routine nursing services), and services provided in the home (home health care). This combination reflects how LTC plans support you as you move between hospital-level treatment, professional nursing care, and in-home assistance.

The other options point to delivery modes or settings that aren’t typically described as the three levels of care LTC policies cover, or mix terms that don’t align with how these plans are structured.