As seniors get older the needs for home care, assisted living care, and nursing home care increases as well. When planning out a long term care insurance and Medi-Cal it is important to note that if one cannot afford to purchase long-term care insurance, a long term care Medi-cal planning is essential to protect the risk of depletion of the estates before transferring assets to family members or to a trust. Therefore, considering the cost of nursing home care to be as much as $10,000 or more per month, an advantage produced by a long term care plan is enormous.