With the uncertainly in Washington DC in 2017 surrounding the long term viability of Medicaid and the shortage of quality facilities that accept medicaid as a starting point for care reimbursement , I would not want to just roll the dice and hope for the best when it comes to long term care needs (no private plan in place). Like it or not a traditional tax qualified Partnership eligible long term care insurance plan is still, by far, the best way to go. As far as the 90 day waiting period, there is a rider that I always use with clients that is a Waiver of Home Health Care Elimination Period (you are reimbursed from day one if you start out with home health care which 70% of claimants do). Hybrids do not provide the same robust benefits as traditional plans. Yes, you will be guaranteed something back on a hybrid, but I would rather have a plan that does a better job of mitigating the risk of care (that is where I think traditional LTCI plan shines over a Hybrid). Most CCRC facilities require that you show financial capability for paying for a minimum of two years of care. A traditional LTCI plan can help "unlock the door" to a quality facility and if you run through your plan in say three years they wont kick you out (most will allow you to stay using government benefits or on an ability to private pay basis). By the way, the average length of a long term care event nationally is 2.9 years. It is important to have a long term care plan that will cover a 3 year period per person and have some form of inflation protection.