Group 1 - The likelihood of needing long-term care after age 65 is 70% according to LongTermCare.gov [1] - The median annual cost for a semi-private room in a nursing home is projected to be $114,665 by 2025 according to SeniorLiving.org [1][2] Group 2 - Medicare is the primary insurer for most Americans aged 65 and over, covering skilled nursing care under specific conditions [3] - Medicare does not cover routine nursing care, which is referred to as custodial care [4] - If a claim for skilled nursing care is denied, an appeal can be filed with the support of the patient's doctor or care provider [5] - If the appeal is unsuccessful, the patient will be classified as a private pay patient and will be responsible for nursing home bills [6]