Long-Term Care Cost Relief & Advocacy Program

Program Summary

The Long-Term Care Cost Relief & Advocacy Program is designed to reduce the financial strain associated with long-term care for individuals who need ongoing support but fall into socioeconomic gray areas. These are individuals who may earn too much to qualify for full public assistance programs yet cannot afford the high and often prohibitive costs of assisted living, residential care, or in-home support services.

Rather than providing direct financial assistance, Infinity Cares Inc. delivers this program through advocacy, benefits optimization, education, and coordinated cost-reduction strategies. The goal is to help individuals maintain access to necessary care, preserve housing stability, and avoid health deterioration or displacement caused by unmanaged care expenses.

This program may be delivered as part of a broader care coordination plan or offered as a standalone advocacy and cost-relief service for individuals, families, and partner organizations

Program Components

1. Financial & Care Cost Assessment

Infinity Cares Inc. conducts an assessment of each participant’s long-term care-related expenses to identify financial strain and risk factors. This includes reviewing current housing costs, care-related expenses, insurance coverage limitations, and out-of-pocket spending that may threaten care continuity or housing stability.

The assessment focuses on identifying preventable cost burdens and areas where advocacy or coordination may reduce financial pressure.

2. Benefits Optimization & Cost Reduction

The program works to reduce unnecessary out-of-pocket expenses by identifying healthcare services, supplies, and prescriptions that may already be covered through existing insurance benefits. Infinity Cares Inc. coordinates access to covered services, assists with prescription management, and ensures participants are enrolled in appropriate Medicare or Medicaid plans when eligible.

This component emphasizes education and system navigation to ensure individuals and families fully understand and utilize available benefits.

3. Advocacy With Agencies & Service Providers

Infinity Cares Inc. acts as an advocate and liaison between participants and external agencies, including Medicaid offices, Medicare plans, case managers, and healthcare providers. Advocacy includes follow-up on applications, resolution of administrative barriers, coordination of required assessments, and communication with providers to prevent benefit lapses or service interruptions.

This support is particularly critical for individuals who are unable to self-advocate due to disability, sensory impairments, or medical complexity.

4. Temporary Cost Mitigation & Crisis Prevention

In limited and situational circumstances, Infinity Cares Inc. may implement short-term cost mitigation measures, such as temporary rent adjustments or absorption of essential care-related costs, to prevent immediate crises. These measures are used as stabilization tools while longer-term solutions are pursued through benefits optimization or external support systems. This component is not a cash assistance program and is not intended as ongoing financial subsidy.

5. Education & Long-Term Planning Support

The program provides education to participants and families regarding long-term care affordability, insurance structures, and planning considerations. When appropriate, Infinity Cares Inc. refers individuals to external professionals, such as attorneys or planners, for specialized guidance related to benefits, estate considerations, or long-term care strategies. Education supports informed decision-making and helps families anticipate and prepare for future care-related costs.

6. Coordination With Housing & Care Services

Cost relief and advocacy efforts are coordinated with housing placement, healthcare coordination, and transportation services to ensure sustainability. Financial considerations are integrated into individualized care planning to reduce the risk of future displacement or care disruption.

Program Outcomes

● Reduced out-of-pocket long-term care expenses

● Increased utilization of covered healthcare and support services

● Reduced risk of housing displacement due to financial strain

● Improved continuity of care

● Increased financial stability for individuals and families

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