Medicaid and Long-Term Care

Medicaid is the government program that provides health care to poor people. The debate over it, often focuses on how much is being spent on poor children and poor working age people.

What is often left out of the debate, is that Medicaid also provides services to a great many elderly people.

In fact, the majority of people in nursing homes today have their care paid for by Medicaid. With potential cuts possible in the future, Medicaid reductions have implications for people who are now nearing retirement age.

This is the subject of a New York Times article titled “How the Medicaid Debate Affects Long-Term Care Insurance Decisions.”

Estimates are that approximately half of the people turning 65 today, will eventually need nursing home care. Many of them can expect to need it for five years or more.

If Medicaid will not be available to pay for that care in the future, then people need to make plans for how they will pay for their care.

There are options available, such as self-funding for those who can afford it and long-term care insurance, which is very expensive.

If you have questions about your options for nursing home care in the future, consult with an elder law attorney about them.

Reference: New York Times (July 14, 2017) “How the Medicaid Debate Affects Long-Term Care Insurance Decisions.”


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