What type of long term care policy covers only home and community-based care and pays nothing for treatment in a skilled nursing?

A long-term care policy that covers only home and community-based care, and does not provide benefits for skilled nursing facility treatment, is typically referred to as a "home care only" policy or "home and community-based services (HCBS) policy." These policies are designed to support individuals who prefer to receive care in their own homes or community settings rather than in institutional facilities. They often cover services such as personal care, homemaker services, and adult day care.