Unfortunately, this is probably the best hack. Put assets in some kind of trust, then have the American taxpayer pay for those expensive last years. I am a pharmacist at a long term care pharmacy, and assisted livings in my area charge up to $8000 a month. Their model seems to be 1. Drain your assets until you qualify for Medicaid, 2. Move you from your private suite to a slightly shittier shared room. I believe Medicaid pays around $3000 a month. And that's only for a place to sleep and a med tech or patient care assistant be on site 24/7. Many of these places don't have nurses after 8pm. Do you want employees to give you your mess? How about an extra $500 a month?

All that money doesn't get you superior results. I talk to some of the more coherent patients all the time on the phone. The lonelier ones keep me on the line for longer. I can't help but think there is a better model.