Under a long-term care policy, which statement about care outside the United States is true?

• A. Care outside the U.S. is typically excluded
• B. Care outside the U.S. is always covered
• C. Care outside the U.S. requires a separate rider
• D. Care outside the U.S. is covered only if in-network

Answer: (A)

Long-term care benefits are designed to cover services delivered in the United States, with networks and regulations tailored to U.S. providers. Because care abroad involves different licensing, billing, currencies, and oversight, standard LTC policies usually exclude international care. That’s why the typical statement is that care outside the U.S. is excluded. Some plans may offer limited international coverage only if you add a separate rider or meet specific terms, but that isn’t the default. The other options imply universal or automatic international coverage or network-based restrictions that aren’t the norm without an add-on.