It was supposed to work like this. When people need long-term care, they pay privately until they’re impoverished. Then and only then Medicaid helps. To avoid that outcome, people were urged to save...
LTC insurance sales suddenly surge
By
Stephen A. Moses
Aug 10, 2022
Long-term care is a high risk and huge potential cost for aging Americans. Yet few plan ahead, and fewer still insure privately for this impending peril. Until now. Private insurers report that 140,000...
Long-term care’s mortal risk
By
Stephen A. Moses
Jun 06, 2022
Long-term and post-acute care operators have plenty to worry about. Low Medicaid reimbursements, harsher CMS regulation, caregiver shortages and the impending end to PHE accommodations, to name a few. ...
Trappings of LTC system leave operators trapped
By
Stephen A. Moses
Feb 23, 2022
The current LTC system traps operators in a public financing system that pays too little, expects too much, rewards cronyism, discourages creativity, punishes profit making and disserves aging Americans.
The irony of long-term care advocacy
By
Stephen A. Moses
Dec 17, 2021
Long-term care faces a world of hurt. The COVID pandemic worsened the profession’s chronic long-term problems including revenue shortfalls, caregiver shortages and wage pressures. Researchers, operators...
What works for long-term care and what doesn’t
By
Stephen A. Moses
Nov 17, 2021
The history of long-term care is best understood as a tension between public and private financing. Over and over again, the private sector has intervened to fix or improve unfortunate conditions created...
Many Americans don’t understand long-term care
By
Roger Roemmich
May 14, 2014
Many Americans remain in denial and are therefore disinclined to pluck the truth from the myths about long-term care, much to the detriment of their own finances as they turn to homecare providers for...
Senators weigh need for individual mandate in long-term care financing reform
By
Tim Mullaney
Dec 19, 2013
Senators and a panel of experts wrangled over whether effective long-term care reform hinges on a federal mandate for all individuals to buy some type of LTC insurance, at a Special Committee on Aging...
Poll: Many believe that long-term care financing is mostly private pay
By
Tim Mullaney
Oct 01, 2013
Many Americans mistakenly believe that long-term care in the United States is primarily paid for out-of-pocket, according to the latest poll to show how deeply people misunderstand this aspect of the healthcare...
Insurance, the elderly and what to do next
By
James M. Berklan
Jul 11, 2013
No sane person can criticize someone who admits being confused about how medical insurance should be funded, especially for seniors. Last week, a pair of innocently juxtaposed stories highlighted the struggle...