What Is Not Covered By Long Term Care Insurance? 
You would need to review your own Long Term Care Insurance policy to find out what is not covered . E.g. . Some policies will cover Home Health Services and some will not . But some common things that may not be covered are : Care needed for pre-existing conditions -LRB- they may be excluded for a number of months -RRB- Care needed due to some nervous disorders Care needed for injury or illness causes by drug addiction , commission of a felony , etc. . 