Alternative Coverage Also to Be Defined

OPM late this month also will be announcing details on several other features of the program that weren’t ready during the early enrollment period. One will be a “facilities”-only option; those choosing such an option would thus not be eligible for the payments for at-home care available otherwise. Also to be announced are the special types of benefits to be made available for those who don’t pass medical underwriting for LTC coverage. One is deemed “non-standard insurance,” meaning different benefits at higher premiums. Another is deemed a “services-only, non-insurance” package that for example might make individuals eligible for referral services established under the LTC program.