The policy should pay the same daily rate no matter where the care is given, although there may be reduced payments for adult day care. They don't force seniors out of their homes and into nursing facilities. And most policies waive the premium payments once you start using the benefits. And the premiums for long-term care may be tax deductible on itemized returns, since they are considered a medical expense, although there are some restrictions. Let me give you an example of the cost of a long-term care policy for a person in good health.
Premiums are the same for men and women.
The quotation is based on three years of coverage, with a 90-day waiting period. Those are annual premium requirements. You'll have to pay all your life until you need the coverage or die, and premiums could rise. But a few companies are now offering guaranteed premiums for a period of 10 or 20 years to create a fully paid-up policy. Both of these premiums include compound inflation protection that eventually increases the daily benefit.