Staying on topic, if you need care and you have LTC, don't you have have a better choice of what facilities to go to versus Medicaid only approved locations?
Complicated question and the answer varies from state to state. We've been through this with MIL fairly recently. It seems that here in Illinois, LTC insurance would only give you more choices if you're otherwise destitute when you enter the NH.
If you clearly have the insurance and/or personal money to fund your NH stay well beyond your likely lifespan, you do have more choices. You can go anyplace you can afford.
If you think you'll run out of insurance and/or personal money while in the NH (say you have 3 yrs of insurance and another year or personal money and a medical conditional where you could live a long, long time), you need to go to a home that accepts Medicaid. Otherwise, out you go when you run out of insurance and/or personal money. This still leaves you with a lot of choices.
If you are going to be Medicaid from the get-go, your choices are slim, at least here in Illinois. Most NH's save their Medicaid beds for incumbent clients who run out of insurance and/or personal money and don't take any Medicaid patients who don't start out as insurance/private pay. Generally, here at least, it can be tough, really tough, finding a "nice" NH for someone who will be entering on Medicaid or who only has money to private pay for a short time.
My MIL is in a "nice" NH with great staff, nice amenities and high ratings. It has the minimum number of Medicaid beds allowed to still qualify to take Medicare rehab cases. The vast majority of clients are private pay/insurance. MIL started as private (for about two years), ran out of money and was switched to Medicaid. To get her in, we had to show she had the assets to private pay for some time. We were told if she had LTC insurance, that could have substituted for all or part of the private pay.
So, yes, if you have LTC insurance you're likely to have more choices than if you're totally destitute and must be on Medicaid from day one. If you have assets to cover you for a while or SS + pension that would pay a significant chunk of the annual bill, that would substitute for the LTC insurance.