What Does Long Term Health Insurance Cover? 
A good Long Term Care Policy will cover home healthcare , assisted living and a nursing home facility . You can also add an inflation protection benefit so that your benefits will grow with inflation . There are several factors that can change the cost of the plan depending on what benefits you select . It 's important to work with an independent agent that can help you figure out what will impact your premium and benefits the most . For example , the length of the elimination period will make your premium go up or down . 