Many people think the phrase “long-term care” refers to an insurance policy. Though that may be part of the of a plan, there’s a lot more than just that. It’s about preparing for your future and the future of your loved one.

In this latest edition of the AARP Prepare to Care Podcast, host Marie Pierre spoke with Gail Van Nest. Van Nest is a certified financial planner, and she offered up some insider tips on the costs of long-term care.