When a Health Crisis Hits: How a Loved One's Hospitalization Impacts Your Clients Financially and Emotionally

As trusted advisors, you know that your clients' financial stability is deeply affected by unforeseen events. Whether you're a wealth advisor, financial planner, T&E attorney, or family office professional, your clients depend on you to manage risk and help them plan for the future. But there’s one risk that many may overlook: the profound impact that a loved one’s health crisis can have on your clients’ financial and emotional well-being.?

Some advisors have shared feedback that their clients may feel “too young” for our TrustHouse Essential Access Membership Program. It’s a reasonable assumption—after all, no one expects a catastrophic health event to happen tomorrow. But this program isn’t just about them—it’s about their aging parents, their children, and the ripple effects of a loved one’s health crisis. Many of your clients are also part of the sandwich generation, managing demanding careers, raising kids, and caring for aging parents. This juggling act can quickly become overwhelming when an unexpected health crisis hits.?

Quantifying the Financial Benefits of Proactive Care?

The TrustHouse Essential Access Program provides measurable financial benefits by helping clients avoid the high costs associated with emergency hospitalizations, unplanned medical care, and long-term recovery.

Here’s how proactive care saves money:???

• Avoiding Unnecessary Hospital Visits:?For clients enrolled in our program, our elite nurses are the first line of defense. Instead of a costly ER visit, a nurse can often address the issue in-home or with our Membership partner (preventing the thousands of dollars that an ER trip might cost.?Example: A single ER visit can easily range from $1,500 to $4,000, not including additional tests or overnight stays. By catching health concerns early, our clients avoid these costly, disruptive events.?
• Preventing Expensive Complications:?Chronic conditions, if not properly managed, can lead to severe complications that require surgery or hospitalization. With regular wellness visits, medication adherence checks, and vitals monitoring, TrustHouse helps reduce the risk of these costly complications. Example: Studies show that early detection of conditions like high blood pressure or diabetes can save significant amounts in long-term healthcare costs. For instance, treating early-stage diabetes is far less expensive than addressing complications like heart disease or kidney failure later on.?
• Reducing Long-Term Care Costs:?By investing in proactive care today, your clients can delay or even prevent the need for full-time, long-term care for their loved ones. The cost of a nursing home or 24/7 in-home care can run upwards of $100,000 per year. Our program allows clients to manage care needs while maintaining independence for as long as possible. Example: Families who adopt proactive care early can save up to $75,000 annually by preventing or delaying the need for full-time care.?
• Seamless Transitions and Continuity of Care:Many clients waste valuable time and money navigating the healthcare system when their loved ones have to transition between different care providers. TrustHouse’s partnerships with elite healthcare providers ensure that care is continuous, saving your clients the hassle and expense of piecemeal solutions.??

Proactive Care Enhances Longevity and Health Outcomes?

We are seeing a growing emphasis on preventive health measures, with newer treatments like Ozempic gaining global attention, alongside the increasing importance of long-standing practices such as mammograms. The TrustHouse Essential Access Program follows the same philosophy—addressing small health concerns early to improve quality of life and reduce future healthcare costs.?

• Example: Regular blood pressure monitoring, taking statins, and early intervention can prevent the need for more serious treatments like heart surgery or stroke rehabilitation, both of which are incredibly costly and life-altering.?

This is where the program offers long-term financial and emotional returns. By helping your clients’ loved ones maintain good health and avoid major medical interventions, we help families preserve wealth, reduce stress, and live healthier, longer lives.?

Reframe Health as an Essential Part of Financial Planning?

The TrustHouse Essential Access Program is not just about healthcare; it’s an essential component of long-term financial and life planning. It’s the missing piece in your clients’ financial strategy, ensuring that their health and the health of their loved ones are proactively managed, their family is informed, and their quality of life is preserved.?

As trusted advisors, you have the unique opportunity to offer your clients a proactive health management tool that complements your financial guidance. By recommending this program, you are not only protecting their wealth but also securing their emotional and physical well-being for years to come.?

Let’s Make Sure Your Clients Are Prepared?

The TrustHouse Essential Access Program is the ultimate form of insurance for your clients—providing a comprehensive solution that anticipates needs, manages risks, and delivers peace of mind.?

Don’t wait until a health crisis hits. Help your clients be prepared today, so they can continue focusing on their careers, families, and futures without the fear of a medical emergency derailing their lives.?