Let's face it: LTC is not financially feasible -- just one more wishful-thinking scam us baby boomers (me included) want to believe and feel like we deserve. Do the math. If at 50 you pay 3K a year for a policy, at 70 when you might need this kind of care, you've paid 60K. Even in a bull market, that doesn't begin to cover the costs of full-time care. Where is this money supposed to come from? Of course insurers will add loophole after loophole. And they are in business NOT to pay out on any policy if the can help it. Insurance agencies are NOT OUR FRIENDS. They lie. As someone at the end of the boom, I'm betting it will be pretty dire for us by the time we're in our 70's and 80's.

The cost of health care is skyrocketing — the median yearly cost of a private nursing room home was nearly $84,000 in 2012, up nearly 8% in just five years.

just another example of UNAFFORDABLE costs

45 dollars/month X .05 cents per mile max. Then I calculated it out at 10000 miles max. Total per year is $1040.00 per year for one car. When I check my own insurance; I pay $306.53 every six months for two late model cars with unlimited mileage. Total bill for me $613.06 with USAA insurance per year.....don't think I would be interested in MetroMile.

I could be wrong, but I think they have their own system.