My Dad passed this last January for Congestive Heart Failure. He was put in a Care/Nursing Home. And, he did not qualify for any long term care insurance policies because had been a Brittle Diabetic for some 40+years. My step-mom, however does have a long term care policy setup her care. Because she had that policy on and it has a certain value to it that she could NOT qualify for Medicaid for my dad. She had to sell anything and almost everything to pay the bills on my dad's Nursing home care. The bill was around $6K per month and my dad lived there in the nursing home for almost 9 months and my step-mom could not pay the total amount of the bills. Thankfully, my dad passed away before the Nursing Home was to evict him at the end of January. Medicaid would not qualify my step-mom for my dad because she had a long term care policy on herself. That's just not right.