wHAT mEDICARE dOESN'T cOVER

Something that surprises almost everyone I talk to: Medicare does not cover long-term care. I know — most people assume it does. But Medicare is a medical insurance program. It covers doctors, hospitals, and short-term rehab. The moment you need someone to help you bathe, get dressed, or move safely around your home — Medicare is done. And that kind of care — whether it's a home health aide, an assisted living facility, or a memory care unit — runs anywhere from $70,000 to over $127,000 a year. For most families, one health event can erase decades of retirement savings in just a few years. That's why long-term care planning is one of the most important conversations we have with our clients — because the window to get coverage is open right now, and it doesn't stay open forever.