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PODCAST

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

education how to

All Episodes

11:52

When Love and Duty Collide: The Cost of Being the...

Outsmarting the Cost of Long-Term Care ·

2025/11/10

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 b...

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10:49

The Caregiver’s Holiday: How to Handle Dementia and...

Outsmarting the Cost of Long-Term Care ·

2025/11/03

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 ahea...

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33:33

The Medicare Piece: Navigating Enrollment Without...

Outsmarting the Cost of Long-Term Care ·

2025/10/20

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 c...

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21:05

The Medicare Piece: Prescription Drug Coverage Deep...

Outsmarting the Cost of Long-Term Care ·

2025/10/07

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 “smoot...

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21:19

The Medicare Piece: Medicare Part B: Outpatient,...

Outsmarting the Cost of Long-Term Care ·

2025/09/29

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 maximumWhy bringin...

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22:28

The Medicare Piece - Part A: The Hospital Piece

Outsmarting the Cost of Long-Term Care ·

2025/09/24

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 admissionThe 3-day rule for skilled nursing coverage — and why so many families miss itWhat Medicare really ...

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12:15

The Medicare Piece - What Medicare Covers & What It...

Outsmarting the Cost of Long-Term Care ·

2025/09/02

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 DCommon misconceptions that cost retirees thousandsWhat Medicare actually covers for hospital stays, doctor visits, prescriptions, and skilled nursing careWhy long-term care...

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11:26

The Invisible Crisis: How Caregiving Can Wreck Your...

Outsmarting the Cost of Long-Term Care ·

2025/07/21

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

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14:31

The $300,000 Mistake: What Families Don’t See Coming

Outsmarting the Cost of Long-Term Care ·

2025/07/14

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

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8:55

What If It’s Me Next? The Cost of Ignoring Family...

Outsmarting the Cost of Long-Term Care ·

2025/07/07

In this kickoff episode, Charisse shares real stories of families financially blindsided by dementia and introduces the idea of taking action while you're still healthy. You'll learn what hybrid LTC annuities are and why they're becoming the go-to plan for families with a history of Alzheimer's.

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10:39

Your loved Ones Deserve to Be Your Care Manager-Not...

Outsmarting the Cost of Long-Term Care ·

2025/06/30

When care is needed and no plan is in place, someone you love will step in — not because they’re ready, but because they love you. But that often means emotional burnout, financial sacrifice, and strained relationships. In this episode, Charisse Hurst, founder of Echo Consulting, shares powerful real-life stories about families navigating dementia care — and how with the right planning, you can protect your loved one’s future and your family's peace of mind. Learn why it's so important to c...

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14:50

Understanding Hospice Care (And Why It Doesn't Mean...

Outsmarting the Cost of Long-Term Care ·

2025/06/23

Hospice care isn’t just for the final days — especially for dementia. In this powerful episode, Charisse explains what hospice really means under Medicare rules, how to know when it's time, and why hospice can be a support for months — not just days. Families deserve compassionate care without fear — this episode will give you the answers. 🎁 Access your free dementia care guide: www.echofc.com/outsmart

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16:40

How Home Health Aides Can Lighten Your Load

Outsmarting the Cost of Long-Term Care ·

2025/06/16

Home health aides can bring vital support to dementia families — but navigating when and how to bring in help can be confusing. This week, Charisse shares what home health aides really do, how Medicare coverage works, what questions to ask agencies, and signs it's time to bring in extra help. 🎁 Download your free guide to dementia care planning here: www.echofc.com/outsmart

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19:18

Understanding Adult Daycare Programs: A Lifeline for...

Outsmarting the Cost of Long-Term Care ·

2025/06/09

Adult daycare programs can be a powerful tool for families caring for a loved one with dementia — but many families don't know they exist. In this episode, Charisse breaks down what adult daycare really offers, how to know when it's time to explore one, what to expect, and what Medicare may or may not cover. 🎁 Don’t forget to grab your free dementia care planning guide: www.echofc.com/outsmart

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19:29

Understanding Respite Care vs. Palliative Care: What...

Outsmarting the Cost of Long-Term Care ·

2025/06/02

When you're caring for someone with dementia, knowing the difference between respite care and palliative care can change everything. In this episode, Charisse explains what each service really means, how they work, what Medicare covers, and when your family might need to consider ...

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20:46

When to Ask for Help- Avoiding Caregiver Burnout...

Outsmarting the Cost of Long-Term Care ·

2025/05/26

You cannot pour from an empty cup — and caregiver burnout is real. Today, Charisse shares the early warning signs of burnout, how to recognize when it’s time to ask for help, and simple ways to start building your support system without guilt. Caring for yourself i...

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19:44

Making Home Safer and Less Stressful for Someone with...

Outsmarting the Cost of Long-Term Care ·

2025/05/19

Creating a safer, calmer home doesn’t have to be overwhelming. In this episode, we walk through simple, practical steps to reduce fall risks, ease confusion, and give your loved one a space that feels secure. Start small — even little changes can protect dignity and bring more peace to your home. Access your free guide "Outsmarting the Cost of Care": www.echofc.com/outsmart

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13:27

How to Communicate When Words Start to Slip Away

Outsmarting the Cost of Long-Term Care ·

2025/05/12

Series: Staying Calm, Connected, and In Control: Dementia Care Tips That Work When dementia affects language, communication becomes about more than just words — it’s about connection. Today, we’ll explore how tone, body language, and warmth become your most important tools, plus easy techniques to reduce frustration and create more peaceful moments. Small changes can make a big difference for both you and your loved one. Grab your free dementia care guide here: www.echofc.com/outsmart

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14:14

Understanding the Emotional Rollercoaster of Dementia...

Outsmarting the Cost of Long-Term Care ·

2025/05/05

Series: Staying Calm, Connected, and In Control: Dementia Care Tips That Work Dementia caregiving is unlike any other experience — because you’re caring for someone who won’t get better. In this episode, we talk about the emotional rollercoaster caregivers ride every day: anticipatory grief, sadness, anger, and guilt. You'll learn simple, compassionate tips to manage these emotions and give yourself the grace you deserve. Download your free resource guide: www.echofc.com/outsmart

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8:55

Understanding the 7 Stages of Dementia

Outsmarting the Cost of Long-Term Care ·

2025/04/14

Series: Staying Calm, Connected, and In Control: Dementia Care Tips That Work Caring for someone with dementia can feel overwhelming—but understanding what to expect can make all the difference. In this first episode, Charisse Hurst, Certified Dementia Planner and founder of Echo Consulting, walks you through the 7 stages of dementia—from early warning signs to the later stages of care. Whether you're a family member, caregiver, or just beginning this journey, this episode will give you a cle...

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43 results

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