Since 2016, the number of pilot cities (regions) for long-term care insurance have expanded to 49 and long-term care insurance made significant progress. Each pilot city (region) has introduced many institutional innovations tailored to local conditions, but there is also obvious policy fragmentation. This article focuses on four issues related to the fragmentation of the long-term care insurance system, including the target population benefiting from the policy, the supply structure of service modes, the focus of service projects, and the coverage boundaries of the two major institutional sectors. Emphasis was placed on analyzing four different approaches of mode selection, including operation mode, guarantee mode, financing mode, and administration mode, and corresponding policy recommendations were proposed one by one. According to the methodology of "crossing the river by feeling the stones and combining it with top-level design", this article proposes that the pilot should be completed as soon as possible and enter the top-level design stage to reduce sunk costs. According to the time nodes of establishing long-term care insurance in different countries, the establishment of long-term care insurance system in China fully reflects the basic principle of "do everything within our capacity", which is an important measure to promote Chinese path to modernization and achieve common prosperity. With the trend of population aging, it is recommended to carry out a "two-stage promotion" with the year of 2035 as the boundary to smoothly transit to a unified system for the whole country.