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: Prescription Drug Coverage Deep Dive: What’s Changing in 2026
In this episode I break down what really changes for Medicare Part D in 2026—how the three coverage phases work now, what the new annual cap means at the pharmacy, how the “smoothing” monthly payment option works, and what to know about Medicare’s first negotiated drug prices (MFPs). I keep it plain-English and action-focused so you can make confident choices during AEP.
What you’ll learn
- The 3 coverage phases in 2026 (deductible → initial coverage → $0 after you hit the annual cap)
- How “smoothing” turns big counter costs into a predictable monthly bill
- Negotiated Maximum Fair Prices (MFPs): what they are and which drugs are affected first
- A simple explanation of True Out-of-Pocket (TrOOP) and why it matters
- How to avoid common surprises (and where to double-check your own plan details)
Links mentioned
• Book a “What Medicare Doesn’t Cover” session: https://calendly.com/churst-2/ltc-facility-solutions-clone
• Download my free guide “10 Medicare Mistakes That Could Cost You Thousands”: https://echofc.com/mistakes