Facing a severe shortage of aides and high costs, people trying to keep aging loved ones at home often cobble together a patchwork of family and friends to help.
The private insurance market has proved wildly inadequate in providing financial security for millions of older Americans, in part by underestimating how many policyholders would use their coverage.
The add-ons pile up: $93 for medications, $50 for cable TV. Prices soar as the industry leaves no service unbilled. The housing option is out of reach for many families.