Recovery from injury or sickness can be expensive and uncomfortable. But, with a home care plan, you can have peace of mind knowing a certified nurse can come to your house and help you on your road to recovery. The plan pays directly to you, helping you be able to use the funds to the max to help you recover. The plan is very flexible and has several riders as well. The riders are a hospital indemnity, lump-sum cancer payout, and an ER and ambulance indemnity.