review of Long Term Care in Florida

Health Care Reform Bill Passed - review of Long Term Care in Florida

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For many Floridian elders who have no house members to help them perform their daily activities means a greater need for nursing home care. Both old and young Floridians view that either Medicare or Medicaid pays for home care, but what's ironic is that both social financial programs focus more on assisted living or adult day care. Out of millions of Floridian elders, only a measure receives government assistance for home care services.

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Health Care Reform Bill Passed

In a survey conducted, eight out of 10 respondents want to stay in their homes or communities as they coming retirement. Reportedly, only 14 percent of Medicaid funding is allocated for home and community-based services, which is obviously a way lower than the national mean of 27 percent. Most budgets are allotted for nursing homes.

The Genworth Financial conducted Cost of Care survey in the state of Florida and found out that the costs of long term care in the state is rising faster than the inflation. The four largest cities surveyed has increased costs dramatically for nursing homes: 5 percent in Jacksonville, 4 percent in Tampa - St. Petersburg region, and 3 percent in Miami-Fort Lauderdale and Orlando.

The mean annual rate of nursing homes in Florida is ,125 while semi-private room is ,825.the most high-priced facilities are found in metro areas of Naples and West Palm Beach with daily mean rates of 3 and 7, respectively.

Over the past decade, Florida government has discontinued spending on some long term care programs though demands for those services have increased. Since 1996, the amount of recipients of society Care for the Elderly program has dropped off to 15,376 from old 41,990.

The state of Florida has showed concern with the growing needs of adults for long term care. The state government decided a heavy Medicaid overhaul plan that would boost home and society based programs for low-income groups. However, the plan failed but the state has industrialized other program called the Florida Long Term Care Partnership.

Florida Long Term Care Partnership

The state decided to augment Florida long term care insurance for population from all walks of life, especially the impoverished. The Long-Term Care Partnership started since 1980s as pilot program in four states. The plan was established to persuade population from buying Ltc insurance to finance their long term care needs that will, otherwise, lessen the Medicaid spending and put in order population for future needs. When the Deficit reduction Act of 2005 compelled all states to use this program, the Florida Legislature passed this bill the same year. The state directed the department for condition Care management to administer programs that would supply incentives for policyholders and to originate rules and regulation in coordination with the Office of insurance Regulation. In 2006, Florida lawmakers passed the senior protection bill that reforms the Ltc insurance to come to be more affordable for the people.

Under this partnership program, policyholders are free to maintain their assets equal to the amount paid by the incommunicable insurance policy. For instance, if a policyholder has ,000 worth of assets, Medicaid will disregard the amount of assets and still qualify the individual for assistance. The inflation protection is other definite highlight of partnership policies that help safe policyholders from the increasing costs of Ltc.

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