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Long-term care financing: are current methods enough?

P A Rivers1, K J McCleary, S H Glover

  • 1Arizona State University, USA.

Journal of Health and Human Services Administration
|February 24, 2001
PubMed
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Financing long-term care is costly for most Americans. This review examines major and lesser-known financing options, their pros and cons, and policy effectiveness for long-term care services.

Area of Science:

  • Health Economics
  • Public Policy
  • Gerontology

Background:

  • Long-term care services in the United States are characterized by complex, multidisciplinary needs.
  • Operational challenges and system efficiencies are significant concerns in long-term care provision.
  • The high cost of long-term care presents a substantial financial burden for the average citizen.

Purpose of the Study:

  • To review the primary sources of financing for long-term care services.
  • To explore less common financing avenues for long-term care.
  • To analyze the advantages and disadvantages associated with various financing strategies.

Main Methods:

  • Descriptive analysis of existing long-term care financing policies.
  • Review of current consumer practices related to long-term care funding.

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  • Examination of incremental reforms and their potential impact.

    • Main Results:

    • Identification of major and lesser-known long-term care financing options.
    • Presentation of the potential benefits and drawbacks of each financing source.
    • Assessment of the adequacy of current policies and reforms.

    Conclusions:

    • Current long-term care financing mechanisms present significant challenges for individuals.
    • Existing policies and recent reforms may not sufficiently address the needs of affected populations.
    • Further investigation is needed to determine the long-term viability of current financing solutions.