I have Medicare, so I don't need long term care insurance, right?

Unfortunately, Medicare doesn't adequately cover the expenses of long term care. Instead, it's recommended that you get a combination of Medicare, Medigap, and long term care insurance to secure your financial future.

You have to be careful when choosing a long term care policy in order avoid the common pitfalls. Insure.com's long term care library has a wealth of articles, including what to look for in a policy, how much they cost, salespitches to run from, and a shopping checklist to keep track of your long term care rate quotes.

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To learn more about Medicare and what it covers, see the 10 standardized Medigap plans.