Long term care insurance comes with an expensive price tag but don't fret because there are ways to make your rate more affordable and you also have other options to explore. If you really insist on buying coverage then you better purchase early, limit your coverage and avail of group discounts. Through these, you can purchase coverage at a more affordable rate. There are also other long term care payment options and they are through government long term care programs, private pay and life insurance. However, you need to understand that federal programs have limitations, so if you'll need long term care for a long period of time, this is not enough. For additional information about your long term are payment options, just click here. I hope you can make up your mind and choose the most fitting payment option for you.