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As Americans age, more people are considering insurance for long-term care. Medicare and health insurance pay for immediate medical needs, but not for nursing homes, assisted-living centers or home care, all of which can cost thousands of dollars every month. Just eight million Americans carry long-term-care insurance. Though they can be a huge help, the policies can be confusing and risky, and come with expensive premiums. You have to be healthy to get it and, even if you have it, you only get the benefits if you medically qualify. Diane and her panel of experts discuss the pros and cons of long-term-care insurance.