Regarding home care or facility services, long-term care policies are prohibited from requiring or limiting benefits for any of the following EXCEPT

Long-term care policies are designed to provide coverage for a range of services and support, recognizing that individuals may have varying needs that cannot be addressed by standard hospital care or acute care alone. The correct answer highlights that long-term care policies can exempt requirements for continuing care retirement communities.

Continuing care retirement communities (CCRCs) offer a range of services, from independent living to skilled nursing care, all within the same community. As these facilities function under a model that implies ongoing care, it is reasonable that policies may have different conditions applied to them. By exempting requirements specifically related to CCRCs, insurers allow more flexibility in care options, acknowledging that these communities provide a continuum of care tailored to residents' changing needs over time.

In contrast, the other choices reflect practices that long-term care policies generally seek to avoid. For instance, requiring prior hospitalization restricts access to needed services for individuals who might not be in a hospital setting but require support. Similarly, limiting care to skilled nursing facilities only would unfairly exclude various other long-term care options that may serve patients better depending on their circumstances. Lastly, excluding certain modalities of therapy could deny patients access to potentially beneficial treatments that could improve their quality of life.

Overall, the design of long