Protecting Your Legacy from Custodial Care Costs
The biggest "hole" in Medicare is one that many seniors don't discover until it's too late: Medicare does not cover custodial care. If you need help with bathing, dressing, or eating—the things that allow you to stay in your home—Medicare pays $0.
We help you build a plan to protect your savings from being wiped out by these costs.
What Medicare Covers (Skilled)
Short-Term Rehabilitation
Medicare is designed for recovery. It covers "Skilled" care (like physical therapy after a hip replacement) but only on a short-term basis (up to 100 days).
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​In 2026, you are responsible for a $217 per day coinsurance starting on Day 21, and all costs after Day 100.
What You Pay For (Custodial)
Long-Term Support
Custodial care is assistance with the "Activities of Daily Living" (ADLs). This is the care provided in nursing homes or by home-health aides for chronic conditions. Medicare provides zero long-term support for this.
Clearing Up the Confusion: Skilled vs. Custodial
The Cost of Care in Lake Havasu City
In 2026, the average cost for a private room in a Havasu nursing facility can exceed $7,500 per month. Without a strategy, a three-year stay can easily exhaust a $250,000 nest egg that was intended for your children or grandchildren.
Modern LTC Solutions: No More "Use It or Lose It.
Traditional LTC insurance used to be like car insurance—if you didn't use it, the premiums were gone. Modern Hybrid Plans have changed the game:
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If you need care: The policy pays for your home health or facility costs tax-free.
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If you never need care: The money stays in the policy and passes to your beneficiaries as a tax-free life insurance death benefit.
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Asset Protection: We use these strategies to ensure your Havasu home and your savings remain in your family's hands.