As you age, you will be faced with many difficult decisions, not the least of which is how to pay for mounting medical costs. Medicare and Medicaid are two government programs that purport to help you pay for care. But often these programs are insufficient, encourage you to impoverish yourself, and offer poor quality of life. Proper planning, however, can help you avoid these obstacles, and maintain your independence.Medicaid. Medicare. These terms can be confusing. People often mix them up, or think that one provides more medical coverage than it actually does.Medicare is a program for anyone who is 65 …