Other costs may be added on for special services. Family and friends provide much other care to these clients. Consumers pay the balance. Buying policies that don't prepare for the higher cost of care 15 or 20 years later is the most common consumer mistake. Insurers look closely at potential policyholder's health.
Consumers have many choices to make in buying a policy, and all impact on the price of coverage.
Whether to buy inflation protection against rising costs, and what kind of inflation protection. How long the policy will pay for care. Policy costs increase rapidly based on age for older consumers. Policyholder's costs will not increase because they get older or because the cost of care increases. Prices only go up because more people are submitting claims than expected or because the claims are for a longer period of time than estimated.