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Enid Kassner directs the Livable Communities/Long-Term Services and Supports team at the AARP Public Policy Institute. The research and policy development focuses on expanding consumer access and choice to affordable long-term services and supports options, with an emphasis on improving home- and community-based services, supporting family caregivers and making communities more livable.
As evidenced at a recent hearing of the federal Commission on Long-Term Care, broad support is building: It’s time to end Medicaid’s “institutional bias.” It’s not rational that Medicaid entitles eligible individuals to be placed in nursing homes, while limiting their ability to receive services at home. On average, the Medicaid program can serve about three older people or adults with physical disabilities with home- and community-based services (HCBS) for the cost of putting one in a nursing home. Moreover, …
The cost of long-term care (LTC) is tremendous: nearly $84,000 annually for a nursing home and typically more than $30,000 a year for home care. Among people turning 65, more than two-thirds will eventually need LTC – services that are not covered by Medicare or private health insurance. Given this risk, you might expect sales of private long-term care insurance (LTCI) to be strong. But they’re not. Private LTCI was launched in the early 1980s, but only about 11 percent …