Medicare and Medicaid are public programs that may help you pay for your long-term care, but this coverage is limited by certain conditions. This will determine your eligibility, what services are covered, if benefits will be cut off after a period of time, and how much you will be expected to contribute out-of-pocket. It is important to fully understand all of the requirements of these programs so you can plan accordingly. Never rely on assumptions when making any decisions that will affect your health care coverage.