There are several types of long-term care arrangements for seniors, but the most intensive is a nursing home. This type of facility has a full-time nurse on-site at all times and staff members provide the highest level of medical and personal care. Unfortunately, this level of care is expensive, and many seniors and their family members worry about how they will pay for a nursing home if the need arises. Many people assume that Medicare will cover their long-term care needs, but unfortunately,