Array
(
    [field_filters] => Array
        (
            [0] => Array
                (
                    [key] => 1
                    [value] => Active
                )

            [1] => Array
                (
                    [key] => 22
                    [operator] => contains
                    [value] => Shopping Tips
                )

        )

)

Always do these things:

• Do your homework: get a realistic idea of what you need and how much you can afford to pay.
• Make sure you can pay the premiums and still have enough money for basic needs such as housing, food, medicines, etc.
• Ask a trusted friend to join you when an agent visits your home.
• Shop around; LTC policies can have big differences in price and benefits.
• Read the outline of coverage very carefully and ask for a specimen policy.
• Ask questions about everything you don't understand.
• Ask your lawyer, a friend, or a relative to review the policy to see what you may have missed.
• Exercise your free-look option.
• Call the Ohio Senior Health Insurance Information Program (OSHIIP) for information or individual counseling: 800-686-1578.

Never do these things:

• Don't buy on the first sales visit. 
• Don't sign a blank application.
• Don't pay in cash.
• Don't write checks payable to an agent - always make them payable to the insurance company.
• Don't buy until you are sure you understand exactly what you are getting.
• Don't buy unless you are sure you can afford to make the payments every year.