Yes, long term care policies do offer insurance coverage. Long term care insurance is specifically designed to cover the costs associated with long term care services, which are typically not covered by health insurance or Medicare. These services can include assistance with activities of daily living, such as bathing, dressing, and eating, as well as skilled nursing care. Long term care insurance policies vary in terms of coverage and benefits, so it's important to carefully review the policy details and understand what is covered and what is not. Some policies may have limitations on coverage duration or specific conditions that are excluded. It's also worth noting that long term care insurance premiums are generally based on factors such as age, health, and the amount of coverage desired. If you are considering purchasing long term care insurance, it's recommended to consult with an insurance specialist who can help you determine the best options for your needs.'