Outsmarting the Cost of Long-Term Care

What do you do when Mom can't live alone anymore? In this episode, Charisse Hurst walks through the first four steps every family should take before making major financial or care decisions. Learn why understanding your loved one's care needs, legal documents, and financial picture can help you avoid costly mistakes and make confident decisions during a long-term care crisis.

What happens when you’re the only one in the family who shows up to care for Mom or Dad?

In this heartfelt episode, Certified Dementia Practitioner and long-term care expert Charisse Hurst explores the emotional and financial toll of being “the responsible one.” You’ll hear the story of Linda — a daughter who gave up her retirement to care for her mother with dementia — and learn how love, guilt, and duty can quietly drain your health and savings.

Charisse shares practical wisdom on how to balance compassion with boundaries and explains how planning ahead can protect caregivers before a crisis strikes.

🎧 Listen to learn why love doesn’t mean doing it all — and how planning is the truest form of care.

The holidays can be overwhelming — especially when you’re caring for someone with dementia. In this heartfelt episode, Certified Dementia Practitioner and long-term care expert Charisse Hurst shares practical, compassionate tips for creating a dementia-friendly holiday, handling repetitive questions with grace, and finding peace even when family support falls short.

You’ll walk away with strategies to protect your loved one’s comfort — and your own sanity — plus a reminder that planning ahead is one of the kindest gifts you can give yourself as a caregiver.

Listen now to restore hope, peace, and perspective this holiday season.

Open Enrollment is here—and the wrong Medicare move can cost you for years.

Charisse breaks down the most common mistakes: missing the right enrollment window, racking up Part B and D penalties, assuming your plan didn’t change, overlooking prior authorization rules, and confusing home health with custodial care. She also clears up a big misconception: many Medicare Advantage plans have $0 premiums and often include Part D, but you must weigh networks, prior authorization, and total annual cost. Grab the free guide, “10 Medicare Mistakes and How to Avoid Them,” at echofc.com/mistakes.

Next week: “The Medicare Piece: Paying for Care—The Coverage Gaps That Can Break You.”

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

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

Episode 2: The Medicare Piece — Part A: The Hospital Piece (and How It Really Handles Long-Term Care)

Most retirees assume Medicare Part A will take care of their hospital bills and rehab costs. But as John and Barbara’s story reveals, the fine print can turn a health crisis into a financial crisis.

In this episode, you’ll learn:

• Why an “observation stay” isn’t the same as an inpatient admission
• The 3-day rule for skilled nursing coverage — and why so many families miss it
• What Medicare really pays for in rehab, and when the bills shift to you
• The real 2025 costs: deductibles, daily copays, and the point where coverage ends

Medicare Part A is essential, but it isn’t a blank check. This episode will give you the clarity you need to protect yourself and your family.

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

Medicare is one of the most misunderstood parts of retirement planning. In this kickoff episode of The Medicare Piece, Charisse Hurst, CIMP, CDP, LTCCP, breaks down the truth about what Medicare really pays for—and just as importantly, what it doesn’t.

You’ll learn:

• The real differences between Medicare Parts A, B, C, and D
• Common misconceptions that cost retirees thousands
• What Medicare actually covers for hospital stays, doctor visits, prescriptions, and skilled nursing care
• Why long-term care isn’t included—and how to prepare before a crisis hits

Whether you’re approaching 65, already enrolled, or helping a loved one navigate the system, this episode will give you clarity, confidence, and practical steps to avoid costly surprises.

👉Plus, download your free guide “10 Medicare Mistakes That Could Cost You Thousands” at http://echofc.com/mistakes

Charisse Hurst exposes the hidden toll caregiving takes on families — long before the money runs out. Learn how the emotional, physical, and career costs of caregiving can spiral — and what financially smart families are doing now to stay in control. If you want to learn mor about us, visit us at echofc.com

Charisse walks you through how long-term care can quietly erase a retirement — and what proactive families are doing now to prepare. You'll hear real financial examples and a fresh way to think about protecting your retirement accounts. You can find us at echofc.com