<prompt> Human: X-posted in rFinancialPlanningMy mom has Huntingtons Disease. She hasnt been officially diagnosed yet, but at this point the doctor says that any testing for the Huntingtons gene would just be confirmation testing. The reason theyve held off on the genetic testing is because the doctor recommends that all her children set up some kind of long term health care insurance or something. Once Huntingtons shows up in our medical history, the doctor said costs would go way up and many agencies would deny me any sort of long term care insurance.I have done a little bit of research, but I am just so confused and overwhelmed. The insurance agencies Ive looked at so seem to work exclusively with people aged 55. Even then, the cost seems like its extremely expensive, to the point where I would basically end up paying 100 of the cost of the care, just over a long period of time. If thats the case, maybe it would be better to just put the money into a savings account or something and not deal with an outside company.I dont know. Im in way over my head. Anyone have any experience or suggestions?  <response>: Cant help with PF, but let me know if you want to talk otherwise. Username is relevant. Check my other account ucure_hd. 