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AMAC & RoseMark Advisors

Medicare Won't Pay for Long-Term Care. Here's a Plan That Will.

Nearly 7 in 10 of us will need long-term care — and Medicare pays $0 of the everyday help most people end up needing. Talk to a RoseMark advisor about protecting your savings and your spouse. No cost, no obligation.

  • Advanced planning software models your real costs by state
  • Strategies where your money is never 'use it or lose it'
  • Free, no-obligation consultation
70%
turning 65 today
will need care
$0
Medicare pays for
custodial care
$129,575
a year for a private
nursing-home room
45%
wrongly think Medicare
covers long-term care
Real People, On Your Side

Meet RoseMark Advisors — AMAC's Own Planning Division

These aren't a lead broker or a call center. RoseMark advisors plan long-term care inside your whole retirement picture — and they'll tell you honestly when the answer is to self-insure. No quotas, no pressure.

Matt Racanelli

"I treat every client's savings like they're my own family's."

Ashley Morrone

"I believe the right plan gives families far more than protection — it gives them confidence and peace of mind."

Frank Kestler

"After 20 years, the best part is still the relief on a client's face."

Erika Small

"I believe everyone deserves to understand their options clearly."

Justin Jordan

"I listen first. The right plan always follows."

Dylan Starr

"There's a smart solution for every situation — let's find yours."

Bob DeAngelis

"I explain it in plain English. You shouldn't need to be an expert."

Steve Barbato

"I take my time with every client because your future matters."

Zachary Amelia

"I believe retirement should be a time of confidence and peace of mind."

Free & No Obligation

Start With a Plain-English Conversation

Tell us a little about your situation. A RoseMark advisor will walk you through your options — asset-based, hybrid, or self-insure — using your numbers, not a sales pitch.

  • We start with your numbers, not a product
  • Compare asset-based, hybrid & self-insure
  • Honest advice — even when it's "don't buy"
  • We never sell your information
AMAC's own division
No-obligation talk
Your info stays private
Takes under 2 minutes

Request Your Free Consultation

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Interactive Tool

How Many Good Years Are Ahead of You?

Answer 14 quick questions for a personalized estimate — built on the same actuarial data the Social Security Administration uses.

Who Pays the Price?

An Unplanned Care Event Rarely Hits Just One Person

When there's no plan in place, the cost lands somewhere — usually on the people you most want to protect.

An older woman sitting alone at home, deep in thought
Your Spouse

The Survivor Left Exposed

Women need care 3.7 years on average versus 2.2 for men, and 1 in 5 of us will need it longer than 5 years. Without a plan, one partner's care can drain the savings the other was counting on.

A plan protects them both
An adult child caring for an older parent at home
Your Children

Becoming the Caregivers

America's 59 million family caregivers gave 49.5 billion hours of unpaid care in 2024 — about 27 hours a week each. For many older Americans, the deepest fear is becoming that burden on their kids.

Keep care a choice, not a duty
Retirement savings and planning documents on a table
Your Nest Egg

Years of Savings, Spent Down

At $129,575 a year for a nursing home, three to four years of care can run well past $400,000 — and it often arrives exactly when markets are down. Concentration risk like that can break an otherwise solid retirement.

Pressure-test it first
Your Options

Three Honest Ways to Plan

There's no single right answer — only the right one for your situation. A RoseMark advisor models all three with your real numbers.

Asset-Based LTC

Reposition money you already have — like a CD or savings — into a plan that pays for care if you need it.

  • Never "use it or lose it"
  • If you never need care, the full benefit passes to your heirs
  • Often guaranteed, level premiums
  • Best if you want your money to work either way

Hybrid Life + LTC

A life-insurance policy with a long-term-care benefit built in — one product that covers two needs.

  • Use it for care while you're living
  • Leaves a death benefit to your family if you don't
  • Predictable, guaranteed-design premiums
  • Best for couples thinking about legacy too

Self-Insuring

Cover care from your own savings. Legitimate for some — the key is knowing your plan can truly absorb it.

  • No premiums to pay
  • Carries real concentration risk
  • One event can run $400,000–$500,000
  • Best when your portfolio is pressure-tested for it
The Real Cost of Care

Could Your Savings Survive a Few Years of This?

These are 2025 national median costs. Multiply them by the years of care most people need, and the math gets serious fast.

Type of CareMedian CostWhat That Looks Like
In-home care ~$35/hrNon-medical help at home
Assisted living $74,400/yrHousing plus daily support
Nursing home (private room) $129,575/yrAround-the-clock skilled care
With the average woman needing 3.7 years of care, a private nursing-home stay alone can pass $480,000 — and Original Medicare pays $0 of custodial care. Median costs per CareScout / Genworth 2025; your costs vary by state and care needed.
Why Members Trust AMAC

Guidance From Your Side of the Table

Our Own Planning Division

RoseMark Advisors is part of AMAC — not a lead-resale funnel. Your information isn't sold to the highest bidder, and your plan fits your whole retirement picture.

Education First — Even "Don't Buy"

We lead by correcting the Medicare myth and laying out all three strategies, including self-insuring. We'd rather you understand the choice than be sold one product.

On Your Side Before the Sale

Unlike a single-endorsed-partner model that earns a royalty on every premium dollar, AMAC has been in your corner all along — so guidance reads as guidance, not extraction.

Common Questions

Long-Term Care, Straight

Won't Medicare or my health insurance cover this?
Medicare.gov is explicit: Original Medicare doesn't pay for custodial care — help with bathing, dressing, and eating — when that's the only care you need, which is exactly what long-term care is. It covers only up to 100 days of skilled nursing after a qualifying hospital stay. Nearly half of Americans 65+ believe otherwise, which is why families get caught off guard. Better to learn it from us now than in a crisis.
I don't want to pay premiums for something I might never use.
That's a fair concern with old-style policies, and exactly why we often recommend asset-based or hybrid coverage. Your money is never lost: if you need care, it pays for care; if you don't, the full benefit passes to your spouse or heirs. It's not "use it or lose it" — it's repositioning money you already have so it works either way.
It feels too expensive — can I afford the premiums?
The real question is which cost you can afford: a planned premium today, or $129,575 a year for a nursing home for three or four years out of your savings. For many people the answer isn't a new premium at all, but repositioning an existing asset like a CD into a guaranteed care pool. A no-obligation RoseMark conversation starts with your numbers, not a pitch.
Can't I just self-insure with my own savings?
Self-insuring is legitimate for some. The issue is concentration risk: one event can run $400,000 to $500,000 and arrive when markets are down, leaving your healthy spouse to absorb the rest. A planning conversation pressure-tests whether your portfolio can truly take that across three to five years — if it can, you'll know it with confidence rather than hope.
I'm healthy — can't I just deal with this later?
Being healthy now is precisely what makes this the right time. Coverage is medically underwritten: the younger and healthier you are, the more options and the better the pricing. Wait for a diagnosis or a few more birthdays and you may pay far more — or no longer qualify. The door to qualify closes long before claims typically begin.

Protect Your Savings and the People You Love.

One conversation with a RoseMark advisor — free, no obligation. We'll show you, in plain English, how asset-based, hybrid, and self-insure options compare for your situation.

Call 888-994-6565

Life Expectancy Calculator

A free AMAC tool · open the full page
IIIIIIIVPROJECTED AGE—
About YouYour LifeYour HealthYour Habits
The road begins whenever you're ready

How Long Could Your Retirement Last?

Answer 14 simple questions — no math, no medical records — and we'll estimate the road ahead using the same actuarial tables the Social Security Administration uses, refined by what modern research says about how you live.

As you answer, watch the landscape grow with you: every answer adds to the scenery, and your road stretches toward the golden hour.

Chapter I — About You

How old are you today?

Your age sets the starting point of the road — everything else adjusts it.

65
years old
455565758590
Question 1 of 14
How this estimate is calculated

The baseline. We start with the Social Security Administration's most recent Period Life Table — the same mortality data SSA's own actuaries publish — which gives the average remaining life expectancy for an American of your age and sex.

The adjustments. Your answers adjust the underlying year-by-year mortality rates (not just the final number) using relative-risk figures from large published studies, including:

  • Smoking — Jha et al., New England Journal of Medicine (2013): current smokers face roughly triple the mortality rate of never-smokers; quitting recovers most of the loss.
  • Diabetes — Emerging Risk Factors Collaboration, NEJM (2011).
  • Body mass index — Global BMI Mortality Collaboration, The Lancet (2016).
  • Exercise — Arem et al., JAMA Internal Medicine (2015).
  • Self-rated health — DeSalvo et al. meta-analysis, Journal of General Internal Medicine (2006).
  • Education, income, marital status, and parental longevity — U.S. cohort studies including NIH-AARP and Health and Retirement Study findings.

Because these risk factors overlap (education, income, and health travel together), we deliberately dampen the combined effect rather than stacking every study at full strength, and effects taper at advanced ages, consistent with the research.

The odds. "Even odds," "1-in-4," and "1-in-10" come from your adjusted survival curve — the ages where your modeled probability of still being alive crosses 50%, 25%, and 10%.

Please read: This calculator is for education and planning conversation only. It is a statistical estimate about populations, not a prediction about you, and it is not medical, legal, or financial advice. Nothing here should change a medical decision — that conversation belongs with your doctor. AMAC is not a medical provider or financial advisor.

Please read: This calculator is for education and planning conversation only. It is a statistical estimate about populations, not a prediction about you, and it is not medical, legal, or financial advice. Nothing here should change a medical decision — that conversation belongs with your doctor. AMAC is not a medical provider or financial advisor.

Important disclosures

Financial planning. Financial planning and investment advisory services are offered through RoseMark Advisors, the financial planning division of AMAC.

Insurance. Life insurance, annuities, and other insurance products are offered through licensed insurance agents and issued by the carriers. Product availability, eligibility, and pricing vary by state and individual circumstances. Guarantees are backed by the claims-paying ability of the issuing insurer.

Medicare. AMAC's Medicare advisory and enrollment services are provided by AMAC Inc., a licensed health insurance sales agency. AMAC Inc. is not connected with or endorsed by the United States government or the federal Medicare program.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week, or your local State Health Insurance Program (SHIP), to get information on all of your options.

AMAC Inc. represents Medicare HMO, PPO, and PFFS organizations and stand-alone PDP prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. Plan availability varies by county.