Do I get to choose my nursing home?

Your options for choosing a nursing home are best if you enter as a "private Pay."  This means you are initially paying with your own assets or with long term care insurance.  If you enter the nursing home on Medicaid you may have limited options.  Most nursing homes will have a limited number of "Medicaid beds."  If there are no Medicaid beds available locally you might wind up in a nursing home that is not in your community, and difficult for your loved ones to get to.  Obtaining accessible care is one of the reasons people get long term care insurance, even if the policy benefit is for a limited period of time.