Which type of insurance primarily protects against the costs associated with nursing home care?

Long-Term Care insurance is specifically designed to cover the costs associated with extended care services, including nursing home care. This type of insurance becomes crucial for individuals who may need assistance with daily living activities or skilled nursing care over an extended period, which are not typically covered by standard health insurance or Medicare.

While health insurance and Medicare Part A provide some coverage for hospital and medical expenses, they do not specifically address the ongoing costs associated with nursing home care. Medicare Advantage plans, which are private plans providing Medicare benefits, may also have limitations in coverage for long-term stays in a nursing facility. Thus, Long-Term Care insurance stands out as the dedicated solution for safeguarding against the financial burden of nursing home care, making it the correct choice in this context.