Medicare and Medicaid may cover some aspects of in-home care, but the coverage and eligibility criteria vary. Medicare typically covers short-term, intermittent, skilled care provided by a certified home health agency if the individual meets certain conditions. This may include services like physical therapy, speech-language pathology, and skilled nursing care. However, Medicare generally does not cover long-term in-home care, such as assistance with activities of daily living (ADLs) like bathing, dressing, and meal preparation. On the other hand, Medicaid may provide coverage for in-home care services, including personal care and assistance with daily activities, for eligible individuals. The coverage and eligibility requirements for in-home care under Medicaid can differ by state. Some states offer home and community-based services (HCBS) waivers that allow Medicaid to cover in-home care for individuals who would otherwise require care in a nursing home or other institution. It's important to note that both Medicare and Medicaid have specific guidelines and limitations, so individuals should check with their respective programs or consult with a healthcare professional to understand the coverage options available to them.