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AUTHOR: Howard Rohleder on 1/03/2026

In my years working in Hospital Administration, I routinely had staff telling me about patients or families caught in a medical crisis caused by a fall or major surgery or simple aging.  They were “surprised” to find that when they were told they could no longer live safely in their home, that Medicare was not going to pay for their needed long term care living arrangements.

I’m assuming that this information will not be a surprise to Humble Dollar readers.  But I found this post on Linked In from a Senior Care Educator and Advocate named Katie Monahan Brooks, CDP, DCS.  I don’t know her and I don’t know the Humble Dollar policy about reposting what she posted on Linked In. But she has expressed this more clearly and bluntly than I could have.  And, it is apparent from her writing that she wants this message broadcast far and wide.  My hope is that Humble Dollar readers can be part of this education process.  Here is what Ms. Brooks wrote, unedited by me:

“I’m done pretending this confusion is acceptable.

If I have to explain one more time that Medicare does NOT pay for senior living, I might actually lose what’s left of my sanity.

Let’s be painfully clear:

• Medicare pays for your medical care.
• It does NOT pay for your housing, daily care, or supervision.
• Assisted Living, Memory Care, and Independent Living are NOT medical benefits. They are housing with support.

And yet—every. single. week.—I sit across from families who are shocked. Angry. Betrayed.

• “Why doesn’t Medicare pay for this?”
• “Isn’t this healthcare?”
• “No one ever told us this.”

And that’s exactly the problem.

This isn’t just a misunderstanding.

This is a massive, nationwide education failure that leaves families blindsided in the middle of a crisis—when emotions, guilt, fear, and urgency are already exploding.

People work their whole lives believing:

• “I paid into the system.”
• “I’ll be taken care of.”
• “Surely housing will be covered.”

And then reality hits them like a brick wall when Mom falls. When Dad declines. When safety disappears overnight.

And I’m the one who has to say: “No… Medicare doesn’t pay for that.”

Over. And over. And over again.

And yes—I’m angry about it. Not at families. Not at seniors.

I’m angry that we failed to educate an entire generation before they needed the information.

We advertise to people how to pick a Medicare Advantage plan… But not how they’ll actually pay for care when they can no longer live safely alone.

That’s unacceptable.

So, here’s my challenge to every professional in healthcare, aging services, finance, and insurance:

• Start talking about this EARLY.
• Start talking about this LOUDLY.
• Stop waiting until families are drowning to explain how the system really works.

If this post made you uncomfortable—good. That means it’s overdue.

And if you or someone you love is starting to ask: “What happens when home is no longer safe?” That’s a conversation I’m always willing to have—before crisis hits.”

This is Howard again: If you are on Linked In, you can find Ms. Brooks’ post and repost it yourself.  And, please be creative in finding other ways to broadcast this message.  It’s important.