If you do decide to go the route of in-home private care I would agree with freqflyer's suggestion that you go with an agency as opposed to a self-employed caregiver. Agency caregivers are bonded and insured, they're given extensive background checks, and if your caregiver is sick the agency can send someone else out. Also, if a problem arises with a self-employed caregiver you have no one to contact to discuss any issues with. There will also be tax issues with someone who is self-employed and you won't have to deal with that with an agency caregiver.
Agree with the above answer. No insurance will pay for 24/7 caregivers to come to your home. You may get a few hours a week if he qualifies through Medicaid, but just a few. In home CG are private pay.
One option, if you can budget for this, is to contact a professional licensed caregiving Agency. The Agency will come out an preview your home, make suggestions, and while they are interviewing you, you can be interviewing them. I used this for my elderly Dad and it worked out great.
Another option, if money is an issue, is to see if hubby can apply and be accepted by Medicaid, which is a State run program to help those who cannot afford home care or nursing home care. Medicaid could have an Aide come by the house for a few hours each week to help or whatever your State offers. Or depending on hubby's condition, they might recommend a nursing home where Medicaid will pay for everything.
Another option, if money is an issue, is to see if hubby can apply and be accepted by Medicaid, which is a State run program to help those who cannot afford home care or nursing home care. Medicaid could have an Aide come by the house for a few hours each week to help or whatever your State offers. Or depending on hubby's condition, they might recommend a nursing home where Medicaid will pay for everything.