This type of insurance covers the costs of long-term care services that typically are not paid for by traditional health insurance or medicare. These can include assistance services at home, as well as care in places like nursing homes and retirement communities. There are numerous coverages to consider, so do your homework to get the services you need in the setting that suits you best. Policy costs vary as well, based on the services you choose, your age, and the condition of your health when you buy the policy. You can purchase long-term care insurance directly from an insurance agent or financial planner. Each state regulates which companies can sell these policies, so you can contact the Mass Department of Insurance to find a reputable broker.