Some people are hesitant to purchase long term care insurance because it is costly. Well, it's only true if you don't explore your options or in other words by comparing average price of ltc insurance and by tlaking to a licenses ltci agent. Using the median rates in the country as basis isn't that reliable because these costs can be higher than the actual cost of ltc in a certain area. People are spending more than what they should pay for because they are using the wrong basis. In order to find the right rates and policy for you, it's highly recommended to talk to an ltc specialist and to compare long term care quotes.