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A long-term care insurance pays for long-term care, either in a nursing home or at the patient’s home. Long-term care refers to custodial care as opposed to medical care (in other words, the patient may not be sick, but needs help with activities of daily living). Long-term care policies (and their prices) vary significantly.
It’s important to note that Medicare does not cover most long-term care services. Medicaid does, for people who qualify based on income. But for people with higher incomes or assets, a private long-term care policy is needed in addition to Medicare.