Long-term care insurance may provide nursing home benefits and community benefits. While some policies may appear "expensive", the average annual premium is generally less than the cost of one month in a nursing home. Understanding long-term care insurance and the options available can be complex and confusing. We can help you determine whether long-term care insurance is right for you and if so, what type of policy to look for. While long-term care insurance is not for everyone, it may be an important part of your Estate and Medicaid plan.