Insurance does not cover any sort of long-term care. Some are moving into entirely different careers and going back to school. Do you think there is such a thing as concierge nursing where it's like kind of their nurse for hire, but independent of the medical system? I'm on the higher end of that system. I pay in the US, I pay 150 to 200 grand a year for nursing services. Out of my own pocket, insurance covers nothing. Why does insurance cover nothing? What do they expect you to do?

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