Many senior citizens don’t make the necessary plans to cover long term care needs. The state does not always provide the necessary services. If you are a low income earner you may have access to a limited range of services. The best way to provide for this is to take out managed care insurance on top of your existing health plan. That way if you ever need additional assistance during your senior years you will be fully covered. This is the best way to prepare for the future and to guarantee peace of mind.