I'm sorry to hear that about eldercare.
Having lived there as an outsider for almost 3 years, around elder people who needed plenty of access, I was appalled on several occasions as to how difficult and confusing it was. If you don't have the right insurance (whatever that is) you don't get what you need. It must be so stressful knowing you might need, but not knowing if you will get it or have to pay loads on top.
That is true. But there is no "right insurance" for the poor. Once you are 65, everyone is forced onto Medicare which in itself is not bad. But it, too, has co-insurance, deductible, co-pays (which are different than co-insurance) because it only covers 80%.
So there are massive industries of markets to "cover then 20%" which range from terribly expensive ($3,000 an month) to $0 a month which reduces choice and you are assigned to an HMO or Drs group which can be an entire region of medical providers (to include hospitals) which are owned by the insurance company.
The clincher is that, even with all that soaking off the seniors, Medicare still does NOT cover nursing home care after day 100. While there is theoretically long term care insurance which people could pay into monthly for years, most cannot afford to do that on top of regular insurance and medical care costs, raising a family, education costs, etc.
So, essentially if you need nursing home care, everyone EITHER has to self pay or go onto Medicaid which is care for the poor. But it is not that easy because you have to be poor and they look back 5 years. But this is the US, so fear not. There are LAWYERS!
SO there is also and ENTIRE industry of Elder Care Lawyers who specialize in finding loopholes in the law for the wealthy (because even the wealthy could never afford it unless they are super, super rich) so they can preserve their assets AND qualify for Medicaid which is care for the poor and requires you to have no more than about $2000 for the duration.
Medicaid is also for the young-poor and they, too, are not allowed to have more than 2grand except in expansion states (but that will come back to bite them when Medicaid turns into a loan after age 55----more on that in a minute) and they are not allowed to have an income over a certain percentage of the Federal Poverty Level. Uh oh! This means young people on Medicaid have to give up inheritance, accident rewards, alimony, etc and sometimes cannot even marry -----or lose the health care.
So it is terror for the seniors again when they realize the lawyers often only take the cases if there is at least $3000,000 dollars of assets (from which they can extract their own heavy load from the senior).
SO a poor person in the US who is on Medicaid can NEVER have more than 2grand and seniors trying to get onto Medicaid have to figure out a way to get poor fast and hide stuff (or pay to have a lawyer find a way to break the laws legally).
Thus, the massive wealth gaps in the US and why Medicaid is really for the abject poor who have to stay that way forever, or sneaky rich who become faker-poor.
AND to top it all off, Medicaid is actually a LOAN after age 55, meaning that anyone on Medicaid for any reason beginning at age 55 will have to pay back Medicaid for every and all services. You may ask, "What can they take from a poor person?" This is a number one reason why seniors lose home and ancestral dwellings and farms and land. It's a perfect way to snatch real estate from a sick person, even if they have kids.
These sad people, of course, are the middle class who cannot afford Elder Care Lawyers and the aforementioned people who were enrolled in Expansion States (states that allowed non-disabled etc poor to be on Medicaid) who had no idea Medicaid was a loan over age 55 and got sucker punched bad when they went back to work or finally got help for an illness only to find a $50,000 bill in their mailboxes. Heart attack in the making.
Even with the Disability Savings Accounts (ABLE Accounts) almost all require Medicaid to be your beneficiary and all require you to have complicated third party handlers and non-accessible to you. Cf: to that in Canada (RDSP) which goes through the bank and allows you to choose your own beneficiary.
This is why the US will never solve health care or its poverty levels. It's a massive, huge, colossal INDUSTRY which gets billions and billions from the federal gvt. In fact, Medicaid is now public/private with the same co's getting multi billion dollar grants from the Feds to administer Medicaid and do a terrible job as they pocket away lots and lots with which to lobby congress for more. (US has more health care lobbyists than DOD lobbyists).
This is just one sector of the public health care plan. I have not even said a peep about the private insurance industry which is a massive headache itself as some is tied to work, some to "ObamaCare etc. It is SO COMPLICATED that a single hospital can have up to 1,500 people working in the billing department and in some cases the entire department is set apart from the health care setting and is its own market. Since no one will believe that, I will post a link. I can post links for anything else, too, so feel free to ask.
So, truly, an American's best health care plan is to 1. get rich. 2. NOT to get sick......3. or MOVE.
Costs Associated With Physician Billing and Insurance-Related Activities