Did you know that the average cost of a Nursing home can start at around 7K per month and higher? Long-term care insurance is an insurance product that helps pay for the costs associated with long-term care such as a Nursing Home. Long-term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid. Long-term care insurance is coverage that provides nursing-home care, home-health care, and personal or adult daycare for individuals aged 65 or older or with a chronic or disabling condition that needs constant supervision. There are 3 types of Long-Term Care, Traditional long-term care insurance, Hybrid long-term care insurance and Life Insurance with a Long-Term Care rider. There are also plans that offer Short Term Care Insurance. If you have questions about Long Term Care or Short-Term Care options, please feel free to call us so we can help you understand this type of insurance product.