Since the question doesn't specify what type of in-home care is covered, it's difficult to answer. Skilled nursing care may be needed for a longer duration than, independent in-home care from a nurse's aide. However, in-home care should be covered by regular health insurance. Sometimes it is needed for long-term care, but sometimes it is needed for circumstances like recovery from childbirth or surgery. As long is it's not hospice care, I think it should be covered by regular health insurance.
As with all regular health insurance, there needs to be a time limit on coverage before it turns into long term care. But in that interim period, both hospital costs and home care should be covered. When that is the case, our medical costs will be reduced and we will be spending less than on hospitalization.
Studies have shown that people heal better in supportive environments. Ultimately, the cost of home health is far less expensive than the cost of hospital care. Medical providers should strive to make sick patients as comfortable as possible. Providing home health care can allow this to happen. By forcing people to purchase long-term care in order to access in-home health care, we are increasing the expenses for people who are already in poor health.
When it comes to the issue of dealing with in home care how along is one even talking about? I mean if it is a injury that the person is at home healing and will be back out of the home soon. Then yes, we may want this to be covered by regular.