Traditional health insurance policies are used to pay for home care. Select private health insurance policies may cover certain elder care services, although coverage varies by plan. Non-medical home care services are often not covered by most forms of private insurance, and in-home skilled care is rarely fully covered. Medicare does cover some home health care services that help people stay in their homes, such as visits from nurses or physical therapists. People usually need two types of insurance to cover home care: personal liability insurance and medical expense coverage. Medical expense coverage pays for any costs over $100,000 per person ($200,000 per incident) for nursing homes and hospitals. It can also cover unpaid bills from home health care providers. Personal liability insurance covers any damages you might cause while providing care to an injured family member or friend. It should be included with all homeowners policies unless it has been excluded. Many policies include care for residents of a single household under the same policy. The amount of coverage required depends on how much risk you want to take on. If you have enough medical expense coverage, you don't need personal liability insurance. There are several options for paying for home health care expenses that don't involve using your own resources. A health savings account (HSA) is one option that only makes sense if you have high medical expenses. An HSA is like a bank account that you can use to save money for future medical needs.