Long-term-care insurance policies are not simple. You have little idea whether you will ever need such care and, if you do, what type of care it will be, how long you will need it or what it will cost a decade or two hence. Most people require long-term care after age 65 when they are covered by Medicare. The thing is Medicare pays for only a short period of care followed by payment out of your own pocket. Here are a few ways to bring the price down while keeping your peace of mind.