This type of insurance coverage is especially helpful to those who need care the most and for as long as it is possible. In preparation for those days in life when good care becomes essential, individuals in the USA tend to purchase long-term insurance policies. To cover some certain issues that are not under other regular medical policies' coverage, Americans buy this coverage. If one is taken care of at a home or a nursing facility, as well as in assisted or adult-care centers, this insurance will cover the expenses for your treatment. There can be various terms in conditions depending on your personal situation, the State you live in, and the insurance company you choose for service. Aarp Auto Insurance Login.