Which of the following LTC policy features typically covers care in a nursing facility?

• A. Home health care only
• B. Nursing home care
• C. Outpatient services only
• D. Vision care

Answer: (B)

Long-term care policies typically provide a benefit for care inside a nursing facility. This nursing home care coverage handles the costs of staying in a facility and receiving ongoing custodial or skilled care there, which is exactly the scenario described. Other LTC features describe care in different settings—home health care covers care at home, not in a facility; outpatient services are care received without facility admission; and vision care is not a standard LTC facility-based benefit. So nursing home care is the feature that directly covers care in a nursing facility.