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No, they are available to all consumers since there is no federal regulation that calls for this. They are regulated by each state making them un inform in coverage. Basically, it all depends on where one lives plus the insurance coverage one has since it is a combination of Medicare and or Medicaid, insurance and managed care, plus private out of packet source that pays for these services. Yes, they should have applied sooner, but did not because of a few reasons. First, they “are of a generation that developed an attitude that long term care is to be avoided” (Pratt, 2016. p.223). Second a promise was made form Joan to Jerry that he would never be put away in a nursing home (Pratt, 2016). Arguments for covering others: •Hospice - type services could help many others

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