As we or our parents age, we will be forced to confront how to receive quality long-term care. At a certain point, most aging adults will need assistance to meet their daily needs. Many times, this is done in an assisted living or skilled nursing facility. The concern becomes affording such care. Medical insurance rarely covers skilled nursing. Instead, the cost of such a facility may be covered by long-term care insurance, privately funded, or covered by Medicaid. If you are married, the well spouse does not have to become impoverished to place the disabled spouse in skilled nursing. As …