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To encourage people to buy long-term care insurance, more states are starting programs that allow people to keep some assets if they exhaust insurance benefits and need to go on Medicaid. Without such an arrangement, they would have to "spend down" assets to qualify for Medicaid. But, experts warn, the policies need strong inflation protections.
Medicaid's role in health reform is emerging as a flash point, exposing policy and political rifts not only between the two parties but also among Democrats themselves.
Medicaid is front and center in the debate on overhauling the U.S health system and expanding coverage to the uninsured. With 60 million enrollees, Medicaid dwarfs other insurance programs, including its cousin, Medicare, which covers 44 million elderly and disabled people. Here's a chance to test your knowledge of Medicaid.
Once a senior begins receiving long-term care services, she and her family often are in for two shocks. The first is that Medicare won't pay beyond perhaps a few months after a hospitalization. The second is that while Medicaid, the state-federal program for the poor, may help, chances are it will only do so for nursing home residents.
Some CEOs of America's largest health care providers called Friday for an end to fee-for-service payments under Medicare and incentives to create administrative efficiencies to lower costs to help pay for America's try at health care reform.
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