For most of us in the middle, however, a long-term care policy may be a good idea. If you're quoted much less, the policy probably doesn't include inflation protection. And you need inflation protection on benefits you may not use for 20 years or more. The older you are when you buy, the more a policy will cost. And be sure that your policy will cover custodial care at home as well as in a nursing home.
Many policies provide half the per diem nursing home amount for care at home.