MN SF4390

Creates a new category of supplemental health insurance called "short-term home health and nursing care insurance" covering home health services and nursing facility care for up to 360 days, triggered by cognitive impairment or inability to perform at least two activities of daily living.

Covered services include nursing care, physical/speech/occupational/respiratory therapy, nutritional services, homemaker services, meal preparation, and medical social services provided pursuant to a written plan of care.

Requires policies to include a minimum 30-day free-look period for full premium refunds, prohibits cancellation due to health deterioration or benefit use, and mandates written disclosures stating the coverage is supplemental insurance and not long-term care insurance.

Establishes civil penalties of up to $200 per offense for insurers or agents who violate the new insurance requirements, with potential license revocation for willful violations.

Clarifies that short-term home health and nursing care insurance does not disqualify individuals from the state's alternative care program, unlike long-term care insurance which does affect eligibility.