Word: medamerica
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Shop around. Different carriers have different areas of expertise, and they price coverage accordingly. If you're a diabetic, you'll probably get a better rate at John Hancock than Genworth; if you've had a stroke, you'll probably get a better deal at MedAmerica than John Hancock. So get bids from at least three carriers, and see if long-term-care insurance makes sense for you. The cost of care is only going to get higher...
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