Costs, insurance, long-term-care planning, and how to pay for senior living.
234 articles
Paying for senior care is where many families get stuck. The average assisted-living stay is two to three years; full-time memory care can run $7,000+ per month; nursing home care over $10,000. Few families have planned for this.
Our financial planning library is honest about what each funding source actually covers: long-term-care insurance (and how to read a policy that was bought twenty years ago), VA Aid & Attendance, Medicaid spend-down rules, reverse mortgages, life-insurance conversion, and the math of selling a primary residence to fund care. We don't recommend specific products. We explain the math so families can run the numbers themselves and ask better questions of the financial advisor or elder-law attorney they're already working with.
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For the first time, Medicare Part D has a hard ceiling on what enrollees pay out of pocket for covered prescriptions: $2,000 a year. The cap took effect January 1, 2025, replacing the old open-ended catastrophic phase. A separate sign-up, the Medicare Prescription Payment Plan, lets you spread that $2,000 across monthly bills instead of paying it all in the first weeks of a year. Here is what is covered, who saves the most, and how to actually use it.
June 3, 2026
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