Bobbi Hilton, 62 , is considering the purchase of a 4-year long-term care policy. If nursing home costs average $3,990 per month in her area, how much could she have to pay out-of-pocket for 4 years without long-term care insurance? What can Bobbi do to reduce the cost of this coverage? The amount Bobbi would have to pay out-of-pocket for 4 years of nursing home costs without long-term care insurance is S (Round to the nearest dollar) To lower the cost of long-term care insurance, Bobbi can (Select all the choices that apply) Buy a long-term care policy as soon as possible before costs increase due to advancing age. Select a longer waiting period (time between nursing home admission and payment of benefits by the insurance company.) Cover the costs of nursing home care through a combination of self-insurance (if she can afford it) and long-term care insurance