Category: Medicaid

  • CARE Act assists family caregivers

    CARE Act assists family caregivers

    About seven in ten older adults need long-term care at some point. In many cases, it is a family member who provides that care to help them remain in their homes as long as possible and stay out of nursing homes and other institutions. The CARE (Caregiver Advise, Record, Enable) Act is designed to assist family caregivers, by helping to ensure a smooth transition when the people they care for are moving between home and hospital.

    Family caregivers provide a wide range of caregiving services, from simple non-health related chores such as cleaning, cooking, and transportation to medical services such as medication management, wound care, injections and operating medical equipment. AARP reports that about 20 million family caregivers in the US perform these medical services for the people they love. It is important for family caregivers to know when the people they love are leaving the hospital and what types of care they will need when they return home.

    In states that have implemented the CARE Act, hospitals must include the names of family caregivers in patients’ medical records. Hospitals also must alert family caregivers when their loved ones are about to leave the hospital. And, hospitals must provide family caregivers with information on how to perform needed medical services after their loved ones return home from the hospital.

    The CARE Act is law in 36 states, as well as the District of Columbia, Puerto Rico, and the US Virgin Islands. States that have passed the CARE Act are: Alaska, Arkansas, California, Colorado, Connecticut , Delaware, Hawaii, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, Ohio, Oklahoma, Oregon, Pennslyvania, Rhode Island, Texas, Utah, Virginia, Washington, West Virginia, Wyoming.

  • Before choosing a nursing home, check out Nursing Home Inspect

    Before choosing a nursing home, check out Nursing Home Inspect

    If you are looking into nursing home options, Pro Publica has an online tool worth exploring, Nursing Home Inspect. The tool relies on federal government inspection reports to spotlight nursing homes with serious deficiencies. It also shows the average fines paid by nursing homes and the number of times nursing homes have had payments suspended on new admissions as a result of deficiencies.

    The information on Nursing Home Inspect comes from the Centers for Medicare and Medicaid Services. CMS collects data on all Medicare and Medicaid certified nursing homes. And, you can search nursing home inspection reports in any number of ways, including by key word and by state.

    You can compare the nursing homes in a state based on an array of measures. For example, you can see all nursing homes in a state with serious deficiencies that put patients at immediate risk of harm. And, serious deficiencies abound in many states. Click here for a summary of Nursing Home Inspect’s state-by-state breakdown.

    You can take a deep dive into each nursing facility. Nursing Home Inspect includes information on whether a nursing home is for-profit or non-profit, the number of beds, the amount it has been fined in the last three inspection cycles and the degree of severity of its deficiencies. It also indicates whether a nursing home is a “Special Focus Facility.” These nursing homes have serious quality deficiencies that CMS is focused on addressing. It is likely wise to stay away from these facilities.

    Some states are more proactive than others at issuing fines on nursing homes with deficiencies. You can find out which states are more and less proactive and what the average fine is in a state.

    If you simply want to know which nursing homes in a state have the worst records, Nursing Home Inspect provides you with a list of the 20 nursing homes with the most fines and the 20 nursing homes with the greatest number of serious deficiencies.

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  • Protect your eyesight: Free and low-cost vision care

    Protect your eyesight: Free and low-cost vision care

    Your ability to see well is precious. But, your vision is likely to deteriorate as you age. Some people develop eye diseases that have no early warning signs, including age-related macular degeneration, glaucoma, dry eye and diabetes eye disease. They require treatment to help preserve vision. In some cases, if you do not get treatment, you could lose your vision. So, you want to get your eyes checked regularly. While Medicare does not cover routine eye care or eyeglasses generally, here are some options for free or low-cost vision care.
    • Medicare pays for procedures to treat a chronic eye condition like a cataract, as well as glasses you need post cataract surgery.
    • Medicare pays for annual eye exams if you have diabetes or are at high risk for glaucoma.
    • Medicaid generally pays for eye care. For information about Medicaid coverage in your state visit the Kaiser Family Foundation.
    • PACE (Program of All-Inclusive Care for the Elderly). PACE programs generally provide vision care to program participants, along with an array of other important services. For more information, click here.
    • Federally Qualified Health Centers (FQHC). Across the country, thousands of FQHCs, sometimes called Community Health Centers or CHCs,  offer a wide range of free or low-cost health care services, including vision care. To find a health center near you, click here.
    • If you’re a Vet, the VA may cover your eye exam and glasses.
    • EyeCare America offers no-cost eye examinations through the Foundation of the American Academy of Ophthalmology,
    • Lions’ Club may assist older adults needing vision care. Contact your local Lions’ Club chapter through this online Lions’ Club Directory.
    • For information about free or low-cost eye care in your community, visit Eldercare.gov. Also, The National Federation of the Blind provides a range of online resources for older adults.
    Here are three ways you can protect your eyesight:
    1. Get an annual eye exam: According to the National Institute on Aging, if you’re over 65 you should have your eyes checked regularly.  Dilating your eyes allows the doctor to detect diseases, which need treating—such as cataracts, glaucoma, corneal diseases, retinal disorders and dry eye–but which may not show any symptoms. Early detection can help preserve your vision.
    2. See the eye doctor right away if you have vision problems such as swelling around your eyes, double vision, light flashes, eye pain or blurriness.
    3. Take care of your eyes: Wear sunglasses in bright light to protect against ultraviolet radiation, wear a broad-rimmed hat, eat healthy, and keep your weight in check.

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  • Free and low-cost ways to address hearing loss

    Free and low-cost ways to address hearing loss

    While our hearing is likely to weaken with age, there are things we can do to address hearing loss.  Hearing aids can be very expensive—as much as $3500 for a single hearing aid and most people need one for each ear.  Batteries are also expensive—as much as $150.  So, you want to be sure you really need them.  If you do, here are ways to keep your costs down.

    If you think you need hearing aids, these resources may help keep your costs down.

    • Get a free annual wellness exam with Medicare.  Medicare covers an annual wellness exam in full so there’s every reason to make an appointment. During your visit, make sure that the doctor checks you for hearing impairments as well as your likelihood of falling.  While Medicare will not pay for a hearing aid, the doctor can tell you whether you really need one.
    • If you qualify for Medicaid, check the Kaiser Family Foundation web site to see whether Medicaid covers hearing aids in your state.  If you’re a Vet, the VA may cover your hearing aids depending upon the degree of your hearing loss or the cause of your hearing loss.
    • Help America Hear provides hearing aids to people with limited financial resources.
    • Starkey Hearing Foundation may help pay for hearing aids. Contact Starkey’s Hear Now program at 800-328-8602. Through the Starkey Hearing Foundation, Hear Now might be able to provide you with good hearing aids at low cost.
    • The Lions Club’s Affordable Hearing Aids project also might be able to help you get low-cost hearing aids. Contact the Lions Club to see if the Lions Club has a project in your state.
    • Sertoma, a civic, service organization, whose mission is hearing health, offers a list of organizations that help people who need hearing aids.
    • The Better Hearing Institute offers a free Guide to Financial Assistance for Hearing Aids, providing 47 different resources for securing help.
    • State assistive technology programs may loan you equipment, loan you money to buy equipment, or offer information and referral services. To learn about your state’s programs, contact the Center for Assistive Technology Act Data Assistance.

    Note: The price of hearing aids should be coming down. The FDA recently has approved the sale of hearing aids over the counter, without a prescription. Experts believe that once you can get hearing aids without a prescription, costs should come down significantly.

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  • How to get free or low-cost dental care

    How to get free or low-cost dental care

    Because dental care can be so expensive and most insurance—including Medicare—does not cover it, it is the number one health care service people skimp on. As a result, people put themselves at serious risk of gum disease, infections, dental pain and tooth loss. Dentists can remove plaque that builds up to reduce your likelihood of cavities and gum decay. Here are a few ways you may be able to get free or low-cost dental care.

    • In some states, Medicaid covers some dental care. And, even if you are not enrolled in Medicaid, you may be eligible, depending upon your income, health care expenses and where you live. The Kaiser Family Foundation web site lists dental services Medicaid covers in each state.
    • PACE (Program of All-Inclusive Care for the Elderly). PACE programs generally provides dental care to program participants, along with an array of other important services. For more information, click here.
    • Federally Qualified Health Centers (FQHC). Across the country, thousands of FQHCs, sometimes called Community Health Centers or CHCs,  offer a wide range of free or low-cost health care services, including dental care. To find a health center near you, click here.
    • Dental schools.  Dental schools often offer free or low-cost dental care in their clinics. Find out whether there is a dental school in your community.
    • Dental Lifeline Network offers comprehensive dental services for older adults in need. Its program, Donated Dental Services or DDS, has a nationwide network of 17,000 volunteer dentists and 3,700 dental laboratories, which provide dental treatments free of charge. To find out the number of the Dental Life coordinator in your state, visit Dental Lifeline.
    • Dentistry from the Heart is a worldwide nonprofit organization dedicated to providing free dental care to those in need. The organization sponsors events in different parts of the country at which people can receive free dental services. For more information, visit the Dentistry from the Heart .
    • NeedyMeds.org has a database of free, low-cost and sliding scale dental clinics throughout the country. You can enter your zip code to find the clinics nearest you.

    Your local Area Agency on Aging (AAA) may be able to point you to free or low-cost dental care in your community. To find your local AAA, call the Eldercare Locator at 1-800-677-1116.

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  • Are commercial Medicaid and Medicare plans a good taxpayer investment?  

    Are commercial Medicaid and Medicare plans a good taxpayer investment?  

    How do we know whether commercial Medicare and Medicaid health plans are a good taxpayer investment? Chad Terhune reports for Kaiser Health News that one non-profit commercial Medicaid health plan had “profits” of more than $344 million over three years. Why is this taxpayer money not being spent on the people with Medicaid enrolled in the health plan or going back to the state?

    It appears that California Medicaid does not have systems in place to oversee its commercial Medicaid health plans. As a result California may be paying these health plans too much in taxpayer dollars. Or, California may not be ensuring that funds given to its Medicaid plans are being spent as they should be on their members. California is not alone. The federal government also has found Illinois, Kansas and Mississippi to be derelict in their oversight of their Medicaid health plans.

    As one example of a health plan needing state oversight, Community Health Group is a San Diego California Medicaid plan that serves close to 300,000 low-income people, run by Norma Diaz, CEO, and Joseph Garcia, COO. It had a 19 percent profit margin or “surplus” in 2016, amounting to $344 million. The health plan had annual revenue of $1.2 billion. And, the CEO and COO earned $1.1 million in 2016.

    Can the states get excess monies back from commercial Medicaid health plans? And, how good a job is the federal government doing of overseeing the commercial Medicare Advantage plans? Reports suggest that they too can be wrongly and grossly overpaid. The Government Accountability Office (GAO) reports that in 2013 alone CMS may have improperly paid $14.1 billion to Medicare Advantage plans because these commercial plans claimed their members had more serious health conditions than the evidence suggested.

    Moreover, can a state or the federal government do anything about excessive compensation paid to staff at commercial Medicaid and Medicare health plans? One executive compensation consultant says that Diaz and Garcia are seriously overpaid. But, California’s head of the Department of Managed Health Care said that the state has no control over executive pay at these plans.

    It is hard to believe that we are not wasting billions of taxpayer dollars on commercial Medicare and Medicaid plans every year. Wouldn’t we be better off relying on a government-administered plan, like traditional Medicare, which is far more cost-effective and accountable?

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  • Congress must protect our community health centers

    Congress must protect our community health centers

    Every Thursday morning, I wake up excited for the 14-hour day I’m about to begin. My Thursdays are so long because that’s the day I work a second evening job at a Federally Qualified Health Center (FQHC) that serves New York City’s lesbian, gay, bisexual, transgender, and queer (LGBT+) population. Why am I so happy to work a longer day? Not because I am a glutton for punishment, but because the work is truly satisfying in the way that only feeling completely confident in the care I’m providing can make me feel.

    The FQHC I work at provides essential medical and mental health care to an often-vulnerable population. Beyond the stress of being LGBTQ+ in our society, the patients I see are mostly uninsured or on Medicaid. Many have HIV/AIDS, substance use problems, and/or significant mental illness. I see individuals from diverse backgrounds and all age groups, from trans youth struggling with histories of abuse or homelessness, to older gay men who survived the AIDS crisis and lost many loved ones. Each person comes with a painful yet inspiring story, filled with strength, resilience, and love.

    And the care provided at this clinic, like most FQHCs – also referred to as Community Health Centers (CHCs) – is not just “good for the safety net.” It is the highest quality; often better than many private practice settings on multiple quality measures. Why is this?

    First, the care is truly integrated. I share a single medical record and can easily communicate with my patients’ medical providers. This reduces the chances of errors and conflicting treatments, such as drug-drug interactions. Quality improvement initiatives from the medical clinic apply to the mental health clinic and vice versa.

    Second, as federally funded clinics that participate vigorously in the Medicaid program, CHCs are often the first to know about and participate in health systems improvements and innovations. Despite what some private providers might tell you, government does a lot more than add bureaucratic hurdles; it attempts to ensure that health care is delivered in a safe and equitable way, is informed by evidence and guidelines rather than idiosyncratic clinician ideas and habits, and is responsive to public health needs. For instance, CHCs were on the frontline during the AIDS crisis, and are now playing a similar role in responding to the opioid epidemic.

    Third, CHCs are often full of passionate, mission-driven clinicians who deeply believe in what they are doing and care about the populations they serve. At the CHC where I work, clinicians are constantly sharing recent evidence, clinical advice, and local resources relevant to the LGBTQ+ population. Wouldn’t you want to be cared for by a group of individuals who are passionate about serving you and continuously communicating about better ways to do so?

    Finally, CHCs specialize in providing high quality primary care, which has been shown to produce the best outcomes. They are beacons of well-coordinated, efficient medical care in our specialist-driven and siloed health care system. This translates to better care at a lower cost!

    There are more than 10,000 CHCs in the United States, providing care for about one in thirteen Americans (and an even higher proportion in some states). In addition to primary care and behavioral health (i.e., mental health and substance use) services, like those provided where I work, many CHCs also provide dental and vision care. For the reasons above, 86 percent of primary care providers at CHCs are satisfied with their work, and 73 percent of patients who use CHCs as their primary source of medical care feel that it is high quality.

    It is therefore not surprising that CHCs have long enjoyed strong bipartisan support. Regardless of your political leanings, CHCs are clearly a rare example of a great deal in American healthcare. However, during recent fights over funding the federal government that resulted in two brief shutdowns, the Community Health Center Fund expired on September 30, 2017, and was not reauthorized until February 9, 2018. The Continuing Resolution that reopened the government in January included funding for the Child Health Insurance Program (CHIP) but not CHCs.

    If Congress had not restored funding in the nick of time, the Department of Health and Human Services estimated that about a quarter of CHCs would have had to close, resulting in nine million people losing access to healthcare and 51,000 job losses. Many CHCs had already begun deferring important investments and delaying staff hiring.

    This barely averted tragedy has received far too little attention. Let’s not take our CHCs for granted ever again; let’s avoid this kind of near miss in the future.

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  • Medicaid: Why it matters to all of us

    Medicaid: Why it matters to all of us

    Medicaid, with “aid” at the end, is a federal-state insurance program established to help individuals and families living in or near poverty.  But, high health care costs, particularly nursing home care, can very quickly push relatively comfortable middle class households into poverty. Consequently, Medicaid is a lifeline for tens of millions of people in the U.S., including millions of older people needing nursing home care.

    Who qualifies for Medicaid? One in five Americans is on Medicaid at any given time, according to the Kaiser Family Foundation. Individuals on Medicaid might have lost a job, along with their insurance, or need help paying for Medicare premiums or copays. Or, they might need long-term services and supports, such as nursing home care or home care, which Medicaid generally pays for.

    There is a one in three chance that a 65 year-old today will need nursing home care at some point. Because nursing home care typically costs $100,000 a year, Medicaid ends up picking up the cost of nursing home care for 75 percent of older people.

    All told, about 63 million people rely on Medicaid for coverage at any given time in the year, including millions with incomes above the Medicaid limit who qualify after spending so much on care that they are left with little income and minimal assets.

    What is the state’s role in determining who qualifies? Each state decides the level of poverty that qualifies an individual or a household for Medicaid and the level of benefits provided, although the federal government provides certain parameters and pays for a large chunk of the cost. Today, the Affordable Care Act incents states to offer Medicaid to anyone whose income is up to 138 percent of the federal poverty level, including immigrants who have lived in the US legally for five years or more.  Many states allow people to “spend down” to Medicaid, essentially paying out of pocket for care until their income and assets meet Medicaid eligibility standards.

    How many older adults and people with disabilities have Medicaid? About one in four people with Medicaid are over 65 or have a disability; almost two-thirds of Medicaid spending goes towards covering their care.  The 16 million older adults and people with disabilities with Medicaid tend to have complex and costly conditions. About 11 million of them also have Medicare and rely on Medicaid as their secondary insurer.

    How efficient is Medicaid? Medicaid’s cost increases have been much lower than private insurance because the government sets prices for Medicaid services. People can receive those services from private doctors and hospitals as well as public hospitals.The Kaiser Family Foundation has a quiz to help you better understand Medicaid.  You can test your knowledge and learn even more by clicking here.

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  • ACA reduces medical divorces

    ACA reduces medical divorces

    Among the Affordable Care Act’s many benefits, it’s common knowledge that it has reduced significantly the number of uninsured in Americain part by expanding Medicaid. What you may not know is that in states that opted to expand Medicaid, the ACA has also kept more married couples together. New research suggests that states that opted not to expand Medicaid not only have a higher rate of uninsured residents but also have a higher rate of medical divorces.

    What’s a medical divorce? It’s a practical decision to divorce one’s spouse in order to secure affordable health care without going completely broke. With a medical divorce, one partner with costly health care needs is forced to divorce his or her spouse in order to qualify for Medicaid without spending down all of their collective assets.

    A new NBER paper reveals that the Affordable Care Act appears to have reduced medical divorces in states that took advantage of the ACA’s Medicaid expansion. In those states, there is no longer a Medicaid asset test for people under 65 . In other words, married people with costly health care needs do not have to separate assets from their spouses’ assets in order to qualify for Medicaid.

    In comparing divorce rates in states that expanded Medicaid and states that did not expand Medicaid, the researchers found that almost six percent (5.6%) fewer people between the ages of 50 and 64 divorced in states with Medicaid expansion.

     

    CDC
    CDC

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  • New and innovative home and community-based services for older adults

    New and innovative home and community-based services for older adults

    According to a new report from the Commonwealth Fund, 12 million older adults with Medicare have mild or serious physical or cognitive impairments (PCI) but millions cannot afford home and community supports and often end up in nursing homes. More than one in three of them have incomes below twice the federal poverty level but do not qualify for Medicaid. Fortunately, there are several new and innovative home and community-based services administered by the Centers for Medicare and Medicaid Services (CMS) to help older adults remain in their homes and communities, and the report proposes some new ones.

    CMS programs that provide home and community-based care include Independence at Home, Hospital at Home, PACE–which you can read about on Just Care hereCommunity Aging in Place, Advancing Better Living for Elderly (CAPABLE)–which you can read more about on Just Care here–and Maximizing Independence for Persons with Dementia (MIND) at home. While all these programs are relatively small and may not be available in your community, if you are looking for home and community-based care for yourself or someone you love, it’s worth seeing whether these programs can help.

    Older adults with serious physical or cognitive impairments, such as dementia, have a high likelihood of having multiple chronic conditions. Nearly two thirds of those living in the community have three or more chronic conditions. Virtually all of them have at least one chronic condition.

    Programs that offer community and home-based supports can improve the quality of life of older adults with PCI, helping them maintain their independence and keeping them out of nursing homes. So, the Commonwealth Fund is proposing two additional cost-effective options for providing home and community-based services for older adults who do not qualify for Medicaid.  These programs are designed to delay nursing home admissions, so they could save CMS substantial money.

    1. Medicare Help at Home would offer supplemental home and community-based care. People with Medicare could elect this benefit on turning 65. Older adults with PCI would be able to receive 20 hours a week of personal care services at home or the cash equivalent, $400 a week, for other care services. Older adults would contribute anywhere from 5 to 50 percent of the cost based on their income. A combination of income-related premiums, an extra monthly premium of $42 and a small payroll contribution from employees and employers of 0.4 percent would cover the cost. And, it could save Medicaid $1.6 billion over 14 years.
    2. Medicaid Community First Choice, a program that provides supports for people with incomes up to 150 percent of the federal poverty level available in nine states, could be made available to all people with Medicare with incomes up to 200 percent of the federal poverty level who are eligible for nursing home care. It would cost $16,224 per person a year. But, costs would be offset by fewer nursing home placements, which cost $80,000 per person a year.

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