In this section, “home health care services” means medical or nonmedical services provided to ill, disabled, or infirm individuals in their residences. “Home health care services” includes: homemaker services; assistance with activities of daily living; and respite care services. A policy or certificate of long-term care insurance that provides benefits for home health care services may not limit or exclude benefits by: requiring that the insured would need care in a nursing facility if home health care services were not provided; requiring that the insured first or simultaneously receive nursing or therapeutic services at home or in a community setting before home health care services are covered. limiting eligible services provided by registered nurses or licensed practical nurses; requiring that a nurse or therapist provide services covered by the policy or certificate of long-term care insurance that can be provided by a home health aide or other licensed or certified home care worker who acts within the scope of licensure or certification; requiring that the insured have an acute condition before home health care services are covered; or limiting benefits to services provided by Medicare-certified agencies or providers. Coverage for home health care services may be applied to the coverage for other benefits provided in the policy or certificate of long-term care insurance when determining maximum coverage under the terms of the policy or certificate.