--- title: "Blog | Funding LTC Marketplace" url: https://fundingltcmarketplace.com/blog/ description: "Long-term care insurance news, planning guidance, and cost updates — published twice a month by Funding LTC Marketplace." author: George A. Mellendorf, CLTC, LTCP (Central States Insurance Services, Inc.) publisher: Funding LTC Marketplace note: Educational content; not legal, tax or financial advice. Markdown copy of the HTML page at the URL above. --- Resources · Blog # Long-Term Care Insurance Blog Practical, plain-English articles on long-term care coverage, costs, and planning — published twice a month by George A. Mellendorf, CLTC, President of Central States Insurance Services, Inc. [November 6, 2026 Same Coverage, Different Price: Why LTC Insurance Quotes Vary Two long-term care policies with nearly the same benefits can carry very different prices. Here's why quotes vary, and how to compare them side by side. By George A. Mellendorf, CLTC · President, Central States Insurance Services, Inc.](https://fundingltcmarketplace.com/blog/why-ltc-insurance-prices-vary/) [November 4, 2026 What Long-Term Care Insurance Costs a Couple at 55, and at 65 In 2026, a couple both 55 paid about $5,010 a year combined for $165,000 in initial benefits each. Here's what drives that price, and what changes if you wait until 65. By George A. Mellendorf, CLTC · President, Central States Insurance Services, Inc.](https://fundingltcmarketplace.com/blog/what-ltc-insurance-costs-couple-55/) [November 2, 2026 Long-Term Care Awareness Month: When There's No Plan, Family Becomes the Plan November is Long-Term Care Awareness Month, and National Family Caregivers Month. When there's no plan, family usually becomes the plan. Here's how to start one. By George A. Mellendorf, CLTC · President, Central States Insurance Services, Inc.](https://fundingltcmarketplace.com/blog/long-term-care-awareness-month-family-plan/) [November 1, 2026 National Family Caregivers Month: What Every Family Caregiver Should Know About Getting Paid or Getting Help November is National Family Caregivers Month. If you're caring for a parent or spouse, there may be money and help available that you haven't tapped yet. By George A. Mellendorf, CLTC · President, Central States Insurance Services, Inc.](https://fundingltcmarketplace.com/blog/family-caregivers-month-getting-paid-or-getting-help/) [October 30, 2026 Florida Nursing Home Costs: $146,000 a Year and Rising In Florida, a private nursing home room now runs a median of $146,000 a year. Here's how that compares nationally, how long savings last, and what it means for your plan. By George A. Mellendorf, CLTC · President, Central States Insurance Services, Inc.](https://fundingltcmarketplace.com/blog/florida-nursing-home-costs-2025/) [October 28, 2026 Medicare's 100 Days in 2026: What You Pay, and What Comes After Medicare may cover up to 100 days of skilled nursing in 2026, at $217 a day after day 20. Here's what it costs, what it never covers, and how insurance fills the gap. By George A. Mellendorf, CLTC · President, Central States Insurance Services, Inc.](https://fundingltcmarketplace.com/blog/medicare-100-days-what-it-costs-2026/) [October 26, 2026 Three Ways Insurance Can Pay for Long-Term Care Medicare won't pay for most long-term care. Here's how traditional, hybrid life/LTC and annuity-based coverage work, and who each one tends to fit. By George A. Mellendorf, CLTC · President, Central States Insurance Services, Inc.](https://fundingltcmarketplace.com/blog/three-ways-insurance-pays-for-long-term-care/) [October 20, 2026 Medi-Cal's Asset Limit Is Back: What California Families Need to Know Before July 2027 For two years, Medi-Cal didn't count savings. That changed January 1, 2026, and a much lower limit arrives July 1, 2027. By George A. Mellendorf, CLTC · President, Central States Insurance Services, Inc.](https://fundingltcmarketplace.com/blog/medi-cal-asset-limit-is-back/) [September 15, 2026 Long-Term Care Insurance in 2026: What's Changed and What It Means for Your Plan New pricing data, a wider SECURE 2.0 tax break, and record nursing-home costs all moved in 2026 — here's what actually affects a family deciding whether, and how, to fund long-term care. By George A. Mellendorf, CLTC · President, Central States Insurance Services, Inc.](https://fundingltcmarketplace.com/blog/long-term-care-insurance-2026-whats-changed/) Looking for an older post? [Browse the full blog archive →](https://fundingltcmarketplace.com/blog/archive/) Read the blog. Then compare coverage. ## See how a policy would fit your plan. Get a free, no-obligation quote comparison once you know what you're planning for.