Beyond paying directly out of pocket, you have a couple of options when it comes to long-term care expenses, both with pros and cons:
Long-Term Care Insurance: There is no one-size-fits-all, but there are a variety of long-term care insurance products on the market that come with an annual premium and typically cover 2-3 years worth of long-term care. Hybrid long-term care/life insurance policies often offer longer coverage (up to 5 or 6 years of care) and provide a death benefit should the policy owner die before needing their long-term care coverage.
Medicare: Medicare only pays for long-term care for up to 100 days, and it only pays for skilled services or rehab. It doesn't pay for non-skilled assistance with Activities of Daily Living (ADL), which make up the majority of long-term care services