Outsmarting the Cost of Long-Term Care
Outsmarting the Cost of Long-term Care is the podcast that exposes the real cost of aging and long-term care—and, more importantly, reveals hidden solutions to help seniors and their families protect their savings.
Hosted by Charisse Hurst, a seasoned Medicare, and long-term care planning expert, each episode uncovers financial strategies, Medicaid planning tips, and lesser-known resources to make extended care more affordable.
**If you’re worried about outliving your retirement savings, paying for care at home, the high cost of nursing homes, or how to qualify for Medicaid without losing everything—this podcast is for you.
**Subscribe now to learn how to plan ahead, protect your assets, and get the care you deserve—without breaking the bank!
Outsmarting the Cost of Long-Term Care
The Medicare Piece: Medicare Part B: Outpatient, IRMAA, and Hidden Costs
John and Barbara thought the hardest part was behind them after John’s stroke and rehab stay. But when he came home, the challenges — and the bills — only grew. Doctor visits, therapy sessions, medications, and unexpected cognitive decline turned into an exhausting routine that pushed Barbara to her breaking point.
This episode uncovers what Medicare Part B really means for retirees:
- How 20% coinsurance on every visit, test, and therapy session adds up with no out-of-pocket maximum
- Why bringing John home wasn’t the relief Barbara hoped for
- The $8,000/month shock when John returned to the nursing home
- How tapping into John’s IRA set off a financial domino effect — higher taxes, doubled Medicare premiums through IRMAA, and even reduced Social Security checks
John and Barbara’s story reveals how one health crisis can ripple through every corner of retirement — from healthcare to taxes to income security.
Listen now to understand how Part B works, and why planning ahead is critical.
If you’d like a copy of my eBook, The top 10 Medicare mistakes and how to avoid them, go to http://echofc.com/mistakes