Government Programs

 

We are often asked questions about government programs and how they relate to long term care. You’ll find below some questions that we’ve received over and over again.

 

Here we will cover the most popular topics:

 

Q. How the Government became involved with long term care insurance?

--In 1996, US Congress passed HIPAA for federal tax advantages to Long-Term Care Insurance policyholders. Read more

 

Q. Does Medicare cover long term care?

--Medicare's skilled care facility benefit does not cover most nursing home care. Medicare will cover some skilled care in a nursing home, or your home, but only in selected situations and the benefits are very limited. Read more.

 

Q. Doesn't Medicaid pay for long term care?

--Medicaid will pay for long term care services for those with low income or high medical bills those relative to income and assets. Read more.

 

Q. What is the Federal Long Term Care Insurance Program?

--In 2000, the US Congress passed the Long-Term Care Security Act, which requires the federal government to offer Long-Term Care Insurance to federal employees and their family members. Read more.

 

Q. What is the Own Your Future Long Term Care Insurance Campaign?

--In January 2005, the Long-Term Care Insurance Awareness Program called "Own Your Future" campaign began. Own Your Future was designed by the federal government and individual states to raise awareness to consumers about planning for Long-Term Care. Read more.

 

Q. What is the Partnership Program?

--Long-Term Care Insurance Partnership policies allow consumers to protect some of their assets that they would most likely have to spend down to qualify for Medicaid when needing Long-Term Care. Read more.