Long term care insurance typically covers in-home care, but the coverage may vary depending on the specific policy and insurance provider. In-home care refers to the assistance provided to individuals who need help with daily activities such as bathing, dressing, meal preparation, and medication management, but prefer to receive care in the comfort of their own homes. Many long term care insurance policies include coverage for in-home care services, which can be a cost-effective and preferred option for individuals who want to age in place. However, it's important to review the terms and conditions of the policy to understand the extent of coverage for in-home care. Some policies may have limitations on the types of in-home care services covered, the number of hours of care provided, or the qualifications of the caregivers. Additionally, there may be requirements for a licensed healthcare professional to assess the need for in-home care and develop a care plan. To get accurate and detailed information about the coverage for in-home care under a specific long term care insurance policy, it is recommended to contact the insurance provider directly. They can provide specific details about the coverage, any limitations or exclusions, and the process for accessing in-home care services. It's also important to note that long term care insurance policies typically have a waiting period before the coverage for in-home care becomes effective, so it's advisable to plan ahead and consider purchasing long term care insurance well in advance of needing the services.