Review Standards for Group Nursing Home and Home Care Insurance 2025

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The 2024 Overall Star Rating selected 46 of the hospital quality measures CMS publicly reports on Medicare.gov and divides them into 5 measure groups: Mortality, Safety of Care, Readmission, Patient Experience, and Timely Effective Care. The table below lists all measures that are included.
Each insurance company must establish its own procedures and market and suitability standards that agents must follow to help their clients determine whether buying LTCI is appropriate for them, based on financial and other considerations. These standards vary by company.
Nursing home abuse and neglect are among the most common complaints, often caused by understaffing, inadequate training, or caregiver misconduct.
The Nursing Home Care Compare website features a quality rating system that gives each nursing home a rating of between 1 and 5 stars. Nursing homes with 5 stars are considered to have much above average quality and nursing homes with 1 star are considered to have quality much below average.