Long-term-care insurance sold in Maryland answers to the Insurance Commissioner, whose regulations apply to LTC products issued or delivered in the state. Under those rules, a qualifying policy, contract, certificate, or rider must be designed to cover at least 24 consecutive months of necessary or appropriate long-term-care services, subject to whatever exclusions and conditions the regulation lays out.
Maryland also runs an active Partnership Program. Carriers offering Partnership policies to Maryland residents must be certified, follow the state's other LTC rules and producer-training requirements, and make the required disclosures — and they can't solicit a Partnership policy at all unless it's been certified. That's solid evidence the regulatory framework is operating, but any individual carrier can pull a product from the market, so it's worth confirming actual current availability and approval status with the insurer and the state before applying.