However, in your planning to cover long term care costs, you should focus on the costs of nursing homes, because they are more expensive. Here are some approximate costs of long term care. Ask your local office for the aging for help in learning about the costs of long term care in your community. Care At Home Care at home usually is the setting preferred by long term care clients and their families. Like any long term care services, care at home can be costly.
Costs vary depending on a client's needs.
Most programs offer services of several days per week for individual clients. Usually, an individual also is receiving some care at home. Care in a Nursing Home Nursing home care is the most costly form of long term care. For days 21 through 100, you share in the costs of care. IN FACT, Medicare usually pays for only a few days of nursing home care, because the nursing home resident needs long term care that is not covered by Medicare.