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Rather than enter a nursing home, many people are choosing to receive services in their own homes. While a traditional health care insurance may cover a portion of these expenses for the short-term, long-term delivery of these services in the home setting are an excluded item under your some plans. However, some long term health care insurance policies do include coverage for home health care services. Usually this is an add-on to the core policy, available if you agree to pay a higher premium. You will need to further the specifics of long term care insurance for more information. A home health care add-on often covers services received in the home as well as those received in places such as adult day care centers and assisted living facilities. When you compare long term health insurance plans, do not assume home health care is included. Ask specifically about what home health care benefits are provided under the plan.