I have some personal experience here but not vast. My in-laws lived in kansas and were moved to Massachusettes (where most of the family resides) to move into long term care for alzheimers. They worked and saved all their lives and paid for every cent except when they were hospitalized, they went into rehab where medicare paid for their care until no physical progress was being made on their part. Then the folks starting paying again. They were both in and out of the hospital and were in rehab frequently. The long term care place fought with us about paying them when the folks were hopitalized wor in rehab. We won some and lost some. Both have passed away.

My Mom is in a retirement community for Masons. She lives in an independent apartment and her purchase price is refunded at 90% or she can use it similar to a reverse mortgage if her funds get low at the end. Their is a health care facility attached but no living expenses are medicare funded.

I have learned that in MD no medicare pays for long term care. Once all funds are exhasuted, then medicaid takes over and you must move to a medicaid funded facility. I have seen one and would not want my dog there.

Remember this is a limited view but I have worked with 2 grandmothers at differnet times, plus in-laws plus my Mom.

It is sad to see their money going the way it does. And you can "hide soem funding" but in many cases you end up in an approved but not acceptable place.

All of it makes me think about my own situation and trying to take care of it up front. Kinda scary too.