The aging of America takes a toll not just on the emotions of the elderly and their families but on their wallets. According to medicare.gov, 9 million Americans over the age of 65 are receiving long-term care of some kind this year. That number will swell to 12 million by 2020. Costs are also rising. A 65-year-old couple retiring this year would need $240,000 to cover just medical expenses in retirement, up 4 percent from 2011, according to a study by Fidelity. Here's a look at long-term care options and what they could cost.