33-22-1115. Prior hospitalization or institutionalization.
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/mt/title-33/chapter-22/part-11/33-22-1115·A research copy — for the controlling text, always check the official state or federal source. Not legal advice.
33-22-1115 . Prior hospitalization or institutionalization.
(1)A long-term care insurance policy may not be delivered or issued for delivery in Montana if the policy conditions eligibility for a benefit:
(a)on a prior hospitalization requirement;
(b)provided in an institutional care setting on the receipt of a higher level of institutional care; or
(c)other than waiver of premium, postconfinement benefits, postacute care benefits, or recuperative benefits, on a prior institutionalization requirement.
(2)A long-term care insurance policy containing a limitation or condition for eligibility other than those prohibited in subsection
(1)must clearly label, in a separate paragraph of the policy or certificate entitled "Limitations or Conditions on Eligibility for Benefits", the limitations or conditions, including any required number of days of confinement.
(3)A long-term care insurance policy that contains a benefit advertised, marketed, or offered as a home health care benefit may not condition receipt of a benefit on a prior institutionalization requirement.
(4)A long-term care insurance policy that conditions eligibility of noninstitutional benefits on the prior receipt of institutional care may not require a prior institutional stay of more than 30 days.
(5)A long-term care insurance policy that provides benefits only following institutionalization may not condition the benefits upon admission to a facility for the same or a related condition within a period of less than 30 days after discharge from the institution.