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The Reality of MedicareMany people believe Medicare will cover all their healthcare needs in retirement. But this isn%u2019t the case. Medicare might pay $300,000 for heart or kidney surgery, but it won%u2019t cover the cost of long-term care. This leaves families to bear the financial burden, often resulting in bankruptcy or severe financial strain.The Emotional Tollof Long-Term CareYou%u2019ve worked hard all your life and saved diligently for your retirement. Now, you need long-term care, and suddenly, your nest egg is vanishing. The stress and anxiety of watching your savings deplete can be overwhelming. You start to worry about leaving nothing behind for your family. Your dreams of passing on a legacy are slipping away. This doesn%u2019t have to be your reality.