Long-term care policies mainly cover expenses linked to which type of facility?

Long-term care policies are primarily designed to cover expenses associated with extended care needs that are not typically addressed through standard health insurance. While the policies may include a variety of care settings, they predominantly focus on nursing homes. Nursing homes provide skilled nursing care as well as personal care for individuals who have chronic illnesses or disabilities and require ongoing assistance with daily activities.

The reason nursing homes are central to long-term care policies is that they cater specifically to individuals who need around-the-clock care due to significant health challenges. This aligns with the purpose of long-term care insurance, which is to assist policyholders in managing the financial burden of such extensive care. While assisted living facilities and home care services also play important roles in the spectrum of long-term care, they are typically covered to a lesser extent compared to nursing homes, which house residents needing more intensive medical oversight. Hospitals, on the other hand, are usually not covered because they focus on acute care rather than long-term assistance.