Insurers and agents should find out if their older clients are prepared for the possible expense of long-term care, since it appears that most are not--they underestimate risk and cost, and think that health care insurance or Medicare will be enough, according to this article. Insurance providers must educate their clients about how to fund long-term care and help them select the best option, especially since Medicaid is intended for those with low incomes and can require someone to become poor before going into effect. The earlier clients start planning, the more affordable coverage will be, since they can space premiums over a longer period of time and reduce the chance of not qualifying due to pre-existing conditions.