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Mandatory Credit: Photo by Mark Humphrey/AP/Shutterstock (6378435j)Dave Ramsey Financial talk show host Dave Ramsey works in his broadcast studio in Brentwood, Tenn.

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For manyretireesand disabled people, Medicare, which provides low to no-cost health coverage, is absolutely critical.

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Though invaluable, Medicare has garnered its fair share of critics.

More Coverage: Do You Need It?

How Can You Get It?

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But one that most financial experts agree on is investing inlong-term care insurance.

Theres a pretty high chance that you will end up in a long-term facility in your old age.

Typically, consultations are free and theyre here to help you navigate this strangely convoluted system.

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