Long term care insurance is not generally included under Medicare. Long term care is the care you need when you are no longer able to look after yourself due to age or illness. This video answers that question, which is that without long term care insurance, even if you are in Medicare, you would still need to pay for your custodial care and without sufficient money/ when your savings run out, you will need to apply for Medicaid. Under Medicaid there is little choice where you will be placed, and it will be in a care home most likely. You would not be allowed to stay at home, normally under Medicaid.
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