Most Americans 65 and up will need long-term care at some point in their lives. But how will they pay for it? Long-term care includes any kind of help you might need with your daily care over an extended period of time. Living in a nursing home or assisted living facility counts as long-term care, but so does having an at-home aide to help with bathing or dressing, or reminding you to take your medication. Long-term care can be very expensive, and health insurance (including Medicare) usually doesn't cover it. Read our in-depth guide to learn about your options for paying for long-term care for yourself or someone close to you.