Long term care insurance is specifically designed to cover the costs associated with long term care services, which are not typically covered by health insurance or Medicare. These services can include assistance with activities of daily living, such as bathing, dressing, eating, and transferring, as well as care provided in a nursing home, assisted living facility, or at home. The coverage provided by long term care insurance can vary depending on the policy, but it may include benefits for skilled nursing care, custodial care, and personal care services. It's important to note that long term care insurance is typically purchased before the need for care arises, as most policies have certain eligibility criteria and waiting periods. Additionally, the cost of long term care insurance can vary depending on factors such as age, health, and the amount of coverage desired. It's advisable to consult with an insurance specialist to determine the best long term care insurance options for your specific needs and budget.