You may also be able to purchase supplemental insurance from your own insurance company depending on your age and physical health. For details, check with your insurance agent about your company and what it has to offer. Accordingly, this information is not a substitute for the advice of an insurance professional. There are currently around 100 companies nationally that offer this type of insurance. Premiums and benefits vary widely.
Some policies only pay for care that is medically necessary.
A good policy will not only cover nursing home care, but also home care and community services. Some policies will only pay if the patient comes directly out of the hospital to the nursing home or home care. In this case, Alzheimer's and dementia persons might not be covered. Since these disabilities also leave people unable to care for themselves, it's important that the policy cover their needs without an immediately preceding hospital stay. The policy should also provide for inflation protection.