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Options for long-term care financing reform: a view from the inside out.
The Journal of Long Term Care Administration
|October 1, 1993
Summary
Reforming long-term care financing requires a new system prioritizing private insurance. This approach aims for consistent benefits and administrative simplicity, with government acting as a safety net.
Area of Science:
- Healthcare financing reform
- Public health policy
- Social welfare systems
Background:
- Current long-term care financing lacks a coordinated structure for consistent benefits and service capacity.
- Existing systems present administrative complexities for providers and accessibility challenges for individuals.
Discussion:
- Proposes a radical shift towards maximum utilization of private long-term care insurance.
- Suggests eliminating Medicaid as the primary funding source and federalizing services as an interim step.
- Advocates for a continued federal role in risk pooling, standard setting, and acting as a safety net.
Key Insights:
- Achieving program goals necessitates a deliberative, organized, and coordinated structure.
- Private long-term care insurance is identified as the optimal vehicle for system reform.
- Addressing the inherent characteristics of long-term care requires a clear vision and deliberate reform steps.
Outlook:
- Federalization of services is a temporary measure until private options are fully established.
- Interest groups, including state governors and women's advocacy groups, play crucial roles in shaping the debate.
- Significant shifts in thinking and behavior are required for successful implementation, acknowledging differing views on public-private responsibility.