LTC Bullet: The Realist's Guide to Medicaid and Long-Term Care

Tuesday, September 7, 2004


Alert: We encourage every "LTC Bullets" reader to forward this announcement as soon as possible to your local media, legislators, public officials, policy makers, colleagues and any other interested parties.

LTC Comment: Following is a press release announcing publication of the Center for Long-Term Care Financing's newest report: "The Realist's Guide to Medicaid and Long-Term Care." Read or download the report at .

America still has a narrow and rapidly closing window of opportunity to fix long-term care before boomers overwhelm the system. We hope this report will contribute toward a solution before time runs out.

We would like to thank each of the companies and individuals who supported this work with their generous contributions. They are listed in the report's preface.




Stephen A. Moses, President
Center for Long-Term Care Financing
Voice: 206-283-7036
Fax: 206-283-6536

"Steve Moses and the Center for Long-Term Care Financing have established the knowledge base and foundation from which the future of LTC and eldercare is emerging. As I have examined and learned from their work over the years, I have found that their views have always been insightful, bold, astute, and 'early!' I encourage everyone in the field of aging to review the Center's new report 'The Realist's Guide to Medicaid and Long-Term Care.'"

Ken Dychtwald, Ph.D.
President of Age Wave,
Author of Age Wave, Age Power and Healthy Aging


Seattle, Washington, September 7, 2004 - The Center for Long-Term Care Financing, a nonprofit think tank and public policy organization, released a new report today titled "The Realist's Guide to Medicaid and Long-Term Care." Read or download it at .

The report explains (1) how America's long-term care service delivery and financing system became plagued by quality problems and bankruptcies, (2) why Medicaid, a welfare program, dominates long-term care funding and causes institutional bias, and (3) what must be changed in public policy to control explosive Medicaid costs and improve access to quality long-term care for everyone.

"The Realist's Guide to Medicaid and Long-Term Care" also highlights ten states, five of the worst and five of the best for long-term care policy. Sample quotes:

"Georgia is a long-term care basket case."

"New York is a long-term care disaster waiting to happen."

"Texas [does] almost everything wrong in long-term care."

"[California] falls somewhere between schizophrenic (extremely generous Medi-Cal eligibility combined with stringent estate recovery) and suicidal (given that virtually anyone can qualify for Medi-Cal long-term care . . .)"

"Minnesota is better positioned to move Medicaid and long-term care financing policy in the right direction than any of the other states reviewed in this study."

"Oregon's long term care system is not perfect, but the state is doing several things right that most other states get wrong."

"Connecticut's long-term care . . . financing system is a mixed bag . . . stricter Medicaid eligibility rules than most states . . . strong Medicaid estate recovery . . . but Medicaid estate planning is [rampant] . . . and an 'entitlement mentality' prevails in public opinion."

The Center for Long-Term Care Financing is a 501(c)(3) charitable, nonprofit, nonpartisan think tank and public policy organization "dedicated to ensuring quality long-term care for all Americans." The Center's website at contains a wealth of information on long-term care financing issues. Interested parties should contact Center President Stephen Moses at or 206-283-7036 about expanding this study's analysis to states not covered in the current report and about identifying and implementing corrective actions in all states.

The Council for Affordable Health Insurance ( and The American Legislative Exchange Council ( co-sponsored this study and are publishing an abridged, hard-copy version of the report titled "The Long-Term Care Dilemma: What States Are Doing Right - and Wrong."

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