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 is a education podcast hosted by Charisse Hurst, with 44 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.

Charisse Hurst hosts Outsmarting the Cost of Long-Term Care, a education show with 44 episodes published.

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  Episode #2

  When Love and Duty Collide: The Cost of Being the Only One Who Steps Up

  Nov 10, 202512 minS6

  <p>What happens when you’re the only one in the family who shows up to care for Mom or Dad?</p><p> 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.</p><p>Charisse shares practical wisdom on how to balance compassion with boundaries and explains how planning ahead can protect...

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  Episode #1

  The Caregiver’s Holiday: How to Handle Dementia and Still Find Joy

  Nov 3, 202511 minS6

  <p>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.</p><p> 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.</p><p>Listen now to restore hope, peace, and perspective this holiday seas

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  Episode #5

  The Medicare Piece: Navigating Enrollment Without Making Costly Mistakes

  Oct 20, 202534 minS5

  <p>Open Enrollment is here—and the wrong Medicare move can cost you for years. </p><p>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. </p><p>Next week: “T...

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  Episode #4

  The Medicare Piece: Prescription Drug Coverage Deep Dive: What’s Changing in 2026

  Oct 7, 202521 minS5

  <p>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.</p><p>What you’ll learn</p>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 billNegotiated Maximum Fair Prices (MFPs): what they are and which...

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  Episode #3

  The Medicare Piece: Medicare Part B: Outpatient, IRMAA, and Hidden Costs

  Sep 29, 202521 minS5

  <p>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.</p><p>This episode uncovers what Medicare Part B really means for retirees:</p>How 20% coinsurance on every visit, test, and therapy session adds up with no out-of-pocket maximumWhy bringing John home wasn’t the relief Barbara hoped forThe $8,000/month shock when John returned to the nursing homeHow tapping into Joh...

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