HRS §431:10H-213
Long-term care policies must explain usual and customary costs
If a long-term care insurance policy pays benefits based on what is 'usual and customary' or 'reasonable and customary,' the policy must define those terms and explain them in the outline of coverage. This helps you understand how your benefits are calculated.
The statute, as written — Disclosure; payment of benefits
A long-term care insurance policy that provides for the payment of benefits based on standards described as "usual and customary", "reasonable and customary", or similar words or phrases shall include a definition of these terms and an explanation of the terms in its accompanying outline of coverage.
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