Most health insurance policies do not cover private duty home care, as the Administration on Aging explains. Home care is typically restricted to medically necessary skilled care and often must be preceded by a hospitalization stay. Medigap policies that supplement Medicare also do not cover long-term care in the home.
Many people buy long-term care insurance to allow for private duty home care when needed, according to the American Association for Long-Term Care Insurance. Long-term, in-home care services provided by long-term care insurance can include meal preparation, coordination with physicians, checking vital signs and performing health evaluations, as well as helping with personal care activities such as bathing and dressing.