Does Private Health Insurance Cover Nursing Homes? 
Most private and public health insurance programs do not cover nursing home care . Nursing homes primarily provide support for activities of daily living : eating , bathing , toileting , transferring , and dressing . Health insurance makes claims payments for medical care , not for care to help with activities of daily living . Long term care insurance pays claims for nursing home care . Claims trigger on the policy holder 's inability to perform activities of daily living . 