Well, Dad’s out out of the hospital and into Skilled Nursing™. He’s got 20 days of almost fully paid benefits before it gets really expensive. I’ll find out more in the next week, but just between you, me and the wall, the only difference between Skilled Nursing and simply being a resident in a nursing home is the physical therapy they provide to see if you can  get well enough to go home.

Take my advice. Unless you’re assured you can get covered by Medicaid, get a Long Term Care health policy for your elderly folks because you can’t believe what it costs…like 6 to 7 thousand bucks a month to be in a decent facility.