If you do not have insurance,  long term care  can be expensive, depending upon the amount and type of care needed and the setting in which it is provided. The type of care and setting is more important as it involves various criteria. The expense for a year in a nursing home averages about $50,000. If you receive skilled nursing care in your home and are visited by a nurse three times a week for two hours per visit for the entire year, then you can imagine the bill, and you will definitely salute the long term care policy you took which will take care of all expenses.

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