The ombudsperson is explaining to the family of a client how payment for long-term care is devised. Which of the following is true of this payment system?
A) Medicare pays for all long-term care.
B) Private insurance may cover all or part of the cost.
C) Coverage with Medicaid is the same from state to state.
D) With Medicaid, clients must exhaust private insurance, but not financial resources.
B
Feedback:
Private insurance and other third-party payors, such as Medicare, may cover all or part of the cost of LTC facilities. However, Medicare was designed to pay for acute illnesses or injuries and not to manage chronic conditions. Medicaid was designed for the most financially needy people, but coverage is not consistent among the states. As a result, many people are left with no way to pay for LTC. Typically, clients must usually exhaust their private insurance and nearly all of their financial resources before government funds can be applied.
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