Free 81-page guide
Medicare pays $0 toward long-term care. Here's what it actually costs.
A private nursing home room runs $127,750 a year in Utah and $139,795 in Colorado — and federal projections say 56% of us will need that kind of care after 65. This guide walks through what the care costs, what Medicare and Medicaid do and don't pay, and the ways families plan ahead before it's too late to plan at all.
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Annual median cost of care
| Type of care | Utah | Colorado |
|---|---|---|
| Home health aide | $86,944 | $96,096 |
| Assisted living | $56,220 | $70,521 |
| Nursing home, semi-private | $100,375 | $120,450 |
| Nursing home, private room | $127,750 | $139,795 |
Source: Genworth & CareScout Cost of Care Survey, 2024. Three years of private-room care in Colorado is over $400,000.
What's inside
- Why Medicare and Medicare Advantage don't cover custodial care — and what they actually do cover
- How Medicaid pays for long-term care, and what "spending down" really means for your savings
- The real odds: how likely you are to need care, and for how long
- Traditional coverage, hybrid life-with-care policies, and self-funding — how each one works
- What it means for your spouse and your kids if no plan exists
- The questions to ask before you buy anything