Skilled Care: This is medically necessary care provided by licensed professionals, such as nurses and therapists, working under the supervision of a doctor.

Intermediate Care: This also requires supervision by a physician and skilled nursing care, but it is needed only intermittently.

Custodial Care: This covers nursing home services. Benefits cover mainly room and board plus payments for assistance with the activities of daily living (ADLs).

Home Health Care: Depending on the policy, benefits for home health care may range from homemaking and chore services to occupational therapy and laboratory services.