Question

1. Explain the impact that an aging population has on long-term health care. In what ways are the various personal care facilities alike? In what significant ways are they different?

2. You are the president of LTC Insurance Company and are testifying before a Senate committee on long-term care.

You are asked two questions: Why do only a few million people carry private long-term care insurance? How do you answer the complaints that senior citizen advocacy groups make about the terms of private long-term care insurance policies? What do you say to the committee?

Answer 1

1, long term care for helping basic needs of people with their impairment and over all related to quality of life..Most of the elderly Americans are universally insured particularly those who need long-term care services.. medicaid and federal health program covers long-term care.. long term care have paid the unpaid services for persons who need ALDs. They receive less US polity and public program..The senate and House Began the formal process of activating Affordable care Act (ACA)..

ACA have major impact on health care providers, consumers and insurance companies.. ACA lack in public and private insurance... nursing home care having greater impact on finance for elderly people..It is out of pocket health care costs..Medicare will pay for first 20days of a nursing home stay if the stay meet the criteria of Medicare skilled nursing facility..private nursing home care and home care vary depending on local labour costs ...Financial resources need suppor for poor and risk Patient out of pocket for single person..

2, Elderly people need assistance for their everyday activities.. people those who are wealthy can buy private long term care insurance because they afford for it..those who are less income easily get medicaid coverage for LTSS than wealthy one..private long term care insurance protects them from out of pocket cost when they are in nursing home or long term care or assistant nursing facility.. various policy reform can maintain long term care insurance..Traditional medical insurance does not cover all the services,Medicare can covers certain service..so financial burden for those who need long-term care facilities.. private long term care insurance provides financial protection for who use paid LTSS.. private long term care insurance promoted by policy reform.. private market long term care needs universal coverage plan..long term care solved problem for many people..

Federal lawmakers have focused on long term care financing with ACA..policy recommendation and long term care collaboration and private long term care policy proposal improve private market..implementation in universal public insurance program and it's coverage,cost score will solve the problem..