What do Assisted Living Costs Include?

assisted living costs

Understanding Base Rates, Levels of Care, and Hidden Costs When families start looking at assisted living for a loved one, the monthly price tag can seem manageable. But many discover that the number on the brochure is just the starting point. The services they assumed were included often cost extra. We talked with Lori Maloney,…

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Does Medicare pay for nursing homes?

Does Medicare pay for nursing homes?

The Truth About What Is (and Is Not) Covered One of the most common and costly misunderstandings about senior care is that Medicare pays for nursing home stays. Many families assume that after a lifetime of paying into Medicare, it will cover long-term care when they need it. This is not true. Understanding what Medicare…

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Senior Loneliness Is a Health Crisis

senior loneliness

This Mental Health Awareness Month, Let’s Treat It Like One. May is Mental Health Awareness Month. It’s a good time to talk about something many older adults are quietly struggling with: senior loneliness. Loneliness might sound like just a feeling. It’s actually a serious health risk for seniors. It can hurt the brain, the heart,…

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Meet Ajala Clark, RN, CSA

ajala clark

Ajala Clark is a registered nurse, Certified Senior Advisor (CSA) and patient advocate with Umbra Health Advocacy. She has more than 30 years of nursing experience and focuses on supporting older adults and their caregivers. Ajala Clark’s nursing background Ajala’s nursing career spans acute care, emergency medicine, cardiovascular health, neurosurgery, orthopedics, and home healthcare. She…

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State-by-State Long-Term Care Costs

adult son helping senior father in hospital bed

A Reference Guide for Families Planning Senior Care Understanding Long-Term Care Costs Long-term care costs vary dramatically by state and care setting. Use this guide to understand what families in your area typically pay for different levels of care. Remember: these are averages. Actual costs depend on the specific facility, location within the state, level…

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Understanding Long-Term Care

long-term care guide

A Complete Guide to Your Options When a parent starts struggling at home, missing medications, falling, or just seeming less like themselves, families often find themselves thrust into a world they know little about. What is long-term care? What’s the difference between assisted living and a nursing home? Will Medicare pay for any of this?…

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Meet Amanda DiGiovanni, OTD, BCPA

Amanda DiGiovanni, OTD, BCPA

Amanda DiGiovanni, OTD, BCPA, is a patient advocate with Umbra Health Advocacy and a Doctor of Occupational Therapy with more than 25 years of experience. She is also a Certified Aging in Place Specialist and holds an Executive Certification in Home Modifications, so she can set up a home to work for someone with disabilities…

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Patient Advocate: Noel Harrington, MSN, RN, BCPA

Noel Harrington, MSN, RN, BCPA

Noel Harrington, MSN, RN, BCPA is an Umbra patient advocate and a registered nurse with more than 35 years of clinical experience. She supports older adults, people with complex medical needs, and the families who care for them, with particular depth in senior care, heart health, and care coordination. Noel Harrington’s story “My path to…

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Advocate Spotlight: Dalia Cabrera

Smiling woman with short dark hair and black glasses, wearing a beige blazer, against a light background.

Dalia Cabrera is a patient advocate with Umbra Health Advocacy who specializes in health insurance and billing problems. She spent 17 years working inside the health insurance industry for Medicare, and she now uses that knowledge to help patients and families fight denials, understand their benefits, and get the care they are owed. Dalia Cabrera’s…

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