Most health insurance policies will cover health services like doctor-prescribed assistance, hospice care, and home care services for seniors and people with disabilities. You may also try government resources like Medicare and Medicaid benefits. Medicare is age and disability-based, which means that if your age and/or disability meet Medicare’s standards, Medicare can cover your caregivers’ costs. Medicaid is income-based, so if your loved one makes below a certain level each year, they may be eligible for this program to cover those expenses instead.