TD Coverage

One of the biggest misconceptions I run into every single week:

"Medicare will cover my long-term care if I need it."

It won't. Not the way most people think. Here's the truth:

Medicare covers skilled nursing only after a 3-day hospital stay
- It covers 100% for days 1–20 only
- Days 21–100 come with a $200/day copay
- After day 100 — Medicare pays nothing

The average nursing home stay is 2.5 years. Do the math.

Long-term care insurance fills exactly this gap — covering home care, assisted living, memory care, and nursing home costs so your retirement savings stay intact.

Don't find this out when it's too late to plan. Let's have the conversation now.

The Part A Hospital Deductible

Most people think Medicare Part A is free — and the premium usually is.
But did you know there's a $1,632 deductible every time you're admitted to the hospital? And it resets every 60 days — not once a year like most insurance.

That means two hospital stays in the same year could mean two separate deductibles.

Original Medicare wasn't designed to be your only protection. It was designed to be a FOUNDATION.

Let's make sure your foundation has walls. DM me to talk about your options.