Terry receives long-term physical therapy at her residence. What type of insurance would cover this service?

• A. Long-term care
• B. Medical expense
• C. Home health care
• D. Disability income

Answer: (C)

The key idea is recognizing which type of insurance covers skilled medical services delivered at a patient’s home. Home health care benefits are designed for intermittent, medically necessary services provided in the home by licensed professionals—such as physical therapists, nurses, or aides—when the person is homebound and a physician has ordered the care. Long-term physical therapy at home fits this pattern, so it’s covered under home health care.

Why the other options don’t fit as well: long-term care insurance typically pays for custodial or personal care needed to assist with daily living activities, not skilled medical therapies delivered at home. Medical expense insurance covers medical treatments and services, but home health therapy is specifically a home-based skilled service and isn’t the primary focus of medical expense plans. Disability income insurance provides a replacement income if you’re unable to work, not payment for services received at home.

So, home health care is the best match for in-home long-term physical therapy.