The federal Medicare program is essentially the same across the country. Medicaid, which is funded jointly by state and federal governments, varies greatly from state to state. Private Medigap insurance fills in some of the gaps in government programs, and private health insurance and long-term-care policies can replace or supplement government plans. Begin by learning everything you can about the local situation. Make contact with the county and state offices for the aging and learn about programs they offer; read web sites and brochures produced by state and federal agencies. Meet with area insurance agents who sell Medigap, health insurance, and long-term-care policies to learn about available offerings. Any agent who is especially cooperative should be at the top of your list of recommended resources for your clients.
Check with the local bar association to find out about area lawyers who specialize in elder law. Contact some or all of them and ask about the services they provide; some may offer to meet with you to discuss their practice. Again, you can include their names among your recommendations. Visit area nursing homes and long-term-care facilities. A helpful administrator may be able to help you learn more about the economics of long-term care. You should be able to offer an independent assessment of the atmosphere and conditions you find; state regulators are in charge of rating the quality of medical care and supervision. You’ll need a collection of current research and reference materials for the expenses. A computer with a connection to the Internet is also very important. Other up-front expenses are principally for advertising and promotion.