Make a plan, plan for the plan and plan some more. If you are a proactive person or are a caregiver for someone who has planned, then you likely have more options for affording care.
Non medical care (aka unskilled care) like companion care, house help, bathing, transportation etc are not typically covered by government or private insurances. Another note, most private insurance in-home skilled care is rarely covered at 100%.
But, some life insurance plans do have benefits that can be used while the policyholder is still alive. These benefits are in the form of a cash value that can be used to help cover medical expenses or everyday costs of living.
General rule of thumb, plan for care protection before you need it.