NU Online News Service, Oct. 3, 6:25 p.m. – Life insurers and insurance agents now have a new source of data to back up warnings to prospects against depending on Medicaid to pay for long-term care.
A new report from the U.S. General Accounting Office shows that elderly U.S. residents who need home care and other forms of community-based care to stay out of nursing homes get far more help from Medicaid programs in some states than in others.
“These differences were due in part to the very nature of long-term care needs,” Kathryn Allen, a GAO health insurance analyst, testified at a recent hearing of the U.S. Senate Special Committee on Aging, according to a written version of her remarks.
Policymakers still disagree about the best strategies for helping elderly people with disabilities, Allen said.
But Allen said state funding and policy decisions also play a role in shaping the kind of care residents receive.
GAO researchers studied variations in Medicaid home care services by developing vignettes for two hypothetical elderly people: Abby, an 86-year-old woman with severe arthritis, and Brian, a 70-year-old man with moderate Alzheimer’s disease. The researchers then asked 16 Medicaid case managers in Kansas, Louisiana, New York and Oregon to recommend care plans for Abby and Brian.
The GAO researchers found enormous variations in the options presented.
When researchers told case managers that Abby lived alone, the amount of home care offered ranged from 12 hours per week to 49 hours per week. The stingiest case manager was one of the four in Kansas, and the most generous was one of the four case managers in New York.