Yes, long term health insurance can cover in-home care. In-home care refers to medical and non-medical services provided to individuals in their own homes. These services can include assistance with activities of daily living (ADLs) such as bathing, dressing, and meal preparation, as well as skilled nursing care. Long term health insurance policies often include coverage for in-home care as part of their benefits. However, the specific coverage and limitations can vary depending on the insurance policy and the individual's needs. It's important to review the policy details and speak with the insurance provider to understand what is covered and any requirements or restrictions that may apply. Some policies may require a certain level of care needs or certification from a healthcare professional to qualify for coverage. Additionally, there may be limits on the number of hours or days of in-home care covered, as well as any copayments or deductibles that may apply. It's recommended to carefully review the policy terms and consult with the insurance provider to ensure understanding of the coverage for in-home care.