Your retirement
Location
Costs vary a lot by region. This applies a relative cost index for Ohio (0.92× the national average) to both the hospitalization and long-term care estimates below — an approximation, not actual billed rates.
Hospitalization: when it happens
At age 70 you're Medicare-eligible.
Hospitalization: coverage
Medigap Plan G covers the Part A deductible and coinsurance and all Part B coinsurance — you owe only the annual Part B deductible.
Long-term care
Medicare does not cover custodial long-term care. See the Medicaid guide for what happens if care exhausts your assets.
Covers the full 4-year window, though the daily benefit doesn't fully keep pace with nursing-home rates.
Load from calculator
Pull your retirement age, plan horizon, portfolio, spending, income, real return, and state straight from the retirement calculator. The starting balance is the “Begin balance” (year 1) from that plan's Annual portfolio withdrawal card — its actual projected balance at retirement.
Cost of the hospitalization in Ohio
| Phase | Days | Billed cost |
|---|---|---|
ER admission Emergency evaluation and workup leading to inpatient admission. | 1 | $3,220 |
ICU Intensive care — critical, closely monitored care. | 7 | $70,840 |
Recovery / monitoring Step-down floor — stabilized but still inpatient. | 14 | $41,216 |
Inpatient rehab Rehab facility — regaining function before discharge. | 14 | $29,624 |
| Total (35 inpatient days) | 35 | $144,900 |
Cost of long-term care in Ohio
| Year | Care level | Billed | Insurance | Out-of-pocket |
|---|---|---|---|---|
| 1 (age 91) | Assisted living | $60,720 | $49,500 | $11,220 |
| 2 (age 92) | Assisted living | $60,720 | $60,720 | $0 |
| 3 (age 93) | Nursing home (skilled nursing) | $115,920 | $65,700 | $50,220 |
| 4 (age 94) | Nursing home (skilled nursing) | $115,920 | $65,700 | $50,220 |
| Total (4 years) | $353,280 | $241,620 | $111,660 | |
Portfolio balance through retirement
Balances in today's dollars. The amber marker is age 70 (hospitalization); the violet marker is age 91 (long-term care begins). Both hit the “with modeled costs” line — the hospitalization as a one-time cost of $257, long-term care as premiums followed by 4 years of care costing $200,490 in total.
Outcome
Costs are illustrative national averages adjusted by an approximate state cost index — actual bills vary enormously by hospital, facility, plan, and severity. Hospitalization out-of-pocket estimates use 2025 Medicare figures (Part A deductible $1,676, Part B deductible $257, 20% Part B coinsurance, Medicare Advantage $9,350 in-network out-of-pocket cap) and approximate figures for ACA and employer-plan out-of-pocket maximums; uninsured self-pay does not account for hospital charity-care or negotiated discounts. Long-term care premiums are age-rated estimates for illustrative policy tiers, assumed paid every year from retirement until care begins, with no waiver during a claim, no inflation rider, and a 90-day elimination period in the first year of care; real policies vary widely in price and terms based on health, sex, and state. The portfolio projection assumes a steady real return every year and does not model taxes or ongoing premiums for the hospitalization coverage itself. For educational purposes only — not financial, tax, or medical advice.