Usually, the care needs to be provided by a Medicaid-certified agency to be eligible for coverage. Contact your local Area Agency on Aging for more information. Purchasers of long-term care insurance should be aware that not all policies include coverage for home care services. If the policy does cover home care, find out what requirements there are to quality for coverage. When choosing a long-term care policy, ask how much the plan pays for each home care visit, is there a maximum number of visits covered per week or per lifetime, and if the policy includes inflation protection.
Individual circumstances vary.
Check with the appropriate professional regarding your options.