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Paying for Care Paying for care. There are a lot of misconceptions. Let’s clear them up in the episode. People mistakenly think Medicare will somehow pay for your long term needs. It does in limited circumstances. Other than that you are on your own. Deplete your money and go on to Medicaid or buy long term care insurance if you can afford it. This is the elephant in the room that few want to talk about or prepare for so learn the lesson and prepare for your aging financially sooner.