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Fifty percent of those who are receiving Long-Term Care pay for it themselves or have it paid by their families. The federal government and the states pay for about 42 percent of the costs of care through Medicaid programs. The remaining 8 percent is paid for by either Long-Term Care insurance or by other means. Medicare, Medicare Supplement insurance, or your health insurance will probably not pay for significant Long-Term Care expenses.

Managed Care Plan. A kind of health insurance plan. Like an HMO, managed care plans can limit coverage to health care provided by doctors or hospitals who work for or contract with them -- also called network providers, and therefore may limit enrollment to those people who live within a particular coverage area. Managed care plans may require you to get permission from your family doctor before you get care from a specialist in their network. Some managed care plans will cover your care at a lower rate if you go to a non-network provider or if you get specialty care without a referral.