Suchergebnisse

Intro -- LONG-TERM CARE: BACKGROUND AND ISSUES -- LONG-TERM CARE: BACKGROUND AND ISSUES -- CONTENTS -- PREFACE -- Chapter 1 LONG-TERM CARE (LTC): FINANCING OVERVIEW AND ISSUES FOR CONGRESS -- SUMMARY -- INTRODUCTION -- WHAT IS LTC? -- SOURCES OF FINANCING FOR LTC -- Public Sources of Financing for LTC -- Medicaid -- Eligibility -- Eligibility Criteria: Group One -- Eligibility Criteria: Group Two -- Other Requirements -- Services -- Mandatory Services -- Optional Services -- Medicare -- Home Health Services -- Skilled Nursing Facility (SNF) Services -- Other Public Payers -- Private Sources of Financing for LTC -- Private LTC Insurance -- Out-of-Pocket Spending -- Other Private Funds -- LTC ISSUES FOR CONGRESS -- Barriers to Public and Private Coverage -- Strain on Federal, State, and Local Budgets -- Better Coordinating Care across Medicaid, Medicare, and Other Public Programs -- Better Coordinating Care across Provider Settings -- Medicaid Spending Still Dominated by Institutional Care -- Navigating the Current LTC System Is Complex -- Limited Supply of the LTC Workforce -- Limited Access to Affordable Housing -- Guaranteeing Quality Can Be Challenging -- End Notes -- Chapter 2 FACTORS AFFECTING THE DEMAND FOR LONG-TERM CARE INSURANCE: ISSUES FOR CONGRESS -- SUMMARY -- INTRODUCTION -- PRIVATE LONG-TERM CARE INSURANCE -- Current Financing of LTC Services -- LTC Insurance Industry Trends -- FACTORS AFFECTING THE DEMAND FOR PRIVATE LTCI -- Cost and Complexity of Long-Term Care Insurance -- The Type of Coverage -- Dollar Amount of Coverage and Annual Inflation Adjustments -- Duration of the Benefit -- Elimination Period -- Adequacy of Consumer Protections For LTCI Policyholders -- State Oversight -- Federal Oversight -- Premium Instability -- Inappropriate Sales Practices -- Inappropriate Denial of Claims -- Solvency of LTC Insurers