Medicare and most health insurance plans will not cover long term health care expenses. This has left many seniors needing to find coverage for the expense of nursing home care as well as other residential facility centers (assisted living and adult day care centers). It has been estimated that it costs over $60,000 for just one year at a nursing home. The need for long term health coverage has led many financial underwriters to offer long term care health insurance. Not every long term insurance plan is the same, so make sure that you choose the plan that offers the desired benefits that you need. Many major insurance companies offer Long Term Care health insurance, for instance the Metropolitan Life Insurance Company offers a plan.