@annshrader I realize this comment is a bit old but I'm looking at this subject after postponing it for a year. You make some wonderful ideals that don't necessarily agree with insurance. I've been around some 90+ yo relatives over the last decade. My 90+ uncle was denied a colonoscopy after a history of polyps and now my 96yo mother just had prescriptions pulled by her cardiologist because he was "concerned about her falling." She's the picture of health who still drives, attends PT and weekly hairdresser appts. The system doesn't like exceptions. I wish she wouldn't drive but I'd have to sue her and most likely lose. It's an unpleasant journey watching people you've known since birth wear out. I'm no spring chicken with a long list of surgeries and limitations. I see what's right in front of me. It's like, what's next? Nothing wrong with being nice Ann. This reminds me of my In-laws passing in their middle 90's. It was a long difficult process as my father in law had one cancer treatment after another. My wife was so selfless, being there for years. If I'm ever in his position I'd like to move on. Sorry, this is a difficult, mostly no win story and there are so many caretakers living it day after day. God bless them.