The best way to avoid it is to have a plan. You need to plan in advance for how you're going to pay for long-term care costs if you do end up going to a nursing home. There are a couple of different options. One of those might be long-term care insurance. Another one might be self-paying and sometimes, we also look at government benefits like Medicaid but it's important to understand that there are different rules that are involved when you're applying for Medicaid. It's important to know your options in advance so you can come up with a plan that works for you.