Long-term Care insurance providers offer coverage based on 20 to 25 different pricing factors, making it difficult for consumers to pick the right plan. Policies can differ by price, availability of discounts and health classifications. According to the American Association for Long-Term Care Insurance (AALTCI), long-term care insurance is not included under the ACA. Currently failing to understand policy benefits can cost people 40 to 90 percent more than they should be paying. With 70 percent of people over age 65 needing some long-term care in their lives, understanding how to get the best coverage could save you in the long-term.
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