When you become 65 years old you qualify for Medicare. Many people are surprised to discover that Medicare doesn't cover long term care expenses, leaving people to find other means of planning for their future needs. One solution is to purchase Long Term Care insurance. This insurance is specifically designed for the needs that occur when one can no longer care for themselves. It is important to purchase Long Term Care insurance while you are young and in good health (though many policies allow pre-existing conditions). When you are choosing between insurance companies, you should first make a plan of the services you think you will require then compare different plans based upon price and options. You should choose as much insurance as you can afford and a policy that includes the services that you believe you will need.