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Related Experiment Videos

Local collaboration needed for long-term care insurance.

J J McCormack

    Health Progress (Saint Louis, Mo.)
    |December 11, 1987
    PubMed
    Summary

    Private insurance offers a promising avenue for financing long-term care for affluent seniors. Key policy considerations include plan design, benefit mandates, and integrated approaches with Medicaid.

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    Area of Science:

    • Health Policy
    • Gerontology
    • Insurance Studies

    Background:

    • Long-term care (LTC) financing presents challenges for middle- and upper-income elderly.
    • Private insurance is a potential solution, but requires careful policy consideration.

    Purpose of the Study:

    • To explore critical policy issues surrounding private long-term care insurance.
    • To examine the feasibility of local management structures for LTC insurance.

    Main Methods:

    • Policy analysis of various financing and management models.
    • Discussion of key considerations for state and private sector involvement.

    Main Results:

    • Private insurance is viable for LTC financing for higher-income elderly.
    • Several policy questions require resolution regarding plan design and regulation.
    • Local management of LTC insurance necessitates testing for feasibility.

    Conclusions:

    • Careful policy development is crucial for effective private long-term care insurance.
    • Integrated approaches and quality/cost controls are important considerations.
    • Local management models require further investigation and validation.

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