Question

. If a state is concerned about increasing Medicaid spending on long-term care services and supports, what are some of the policy alternatives that could be used in terms of expanding home or community-based services? Describe key historical milestones and major long-term care policies that could have an impact. What are options for promoting the utilization of long-term care insurance instead of Medicaid as a last option?

Answer 1

Some of the policy alternatives to expanding home or community-based services are taxation and income inequality, education, housing, civil right, urban planning. Key historical milestones and major long term care policies are aging populations and their disabilities, it impacts long term care funding and this long-lasting negative financial impact on caregiver made historical underfunding.
LTC insurance provides options and it is a flexible one, but it is not found in Medicaid. LTC insurance covers the cost for health care services, we can reimburse for care in a place like home, nursing home, ALF, adult daycare. It is a long-range financial plan in the above 50 years. people buy LTC insurance to protecting their savings and for better quality care. In the Medicaid programs, you have limited choices and it does not pay for ALF in many states.