I guess that at the end of the day, a private insurance for long-term care needs is still the best choice for everyone. I mean, why shouldn't it? A choice of your policy and nursing facility. The only tricky part is that you have to delve very deep to understand and maximize your policy. Long-term care insurance companies will just keep you abreast on the basic things, nothing less, nothing more which can be very frustrating.
An article posted on http://www.completelongtermcare.com/resources/policy-types.aspx gave me a broader perspective on what really happens in the senior care industry. if you're good enough that you managed to save a little, nursing facilities will have you under their roof. After that, little by little, your estates will be sucked just to satisfy the nursing facility. What happens next, you ask? Medicare. Medicaid.