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  • Wanda can use Medicare or private LTC insurance to cover to cover her LTC needs, like her doctor, physician, and prescription needs as well as part of her assisted living.
  • You're
  • Covered
  • Wanda, like many Americans, will probably used Medicare until she needs more coverage. By that time, she might not able to afford or access the Long Term Care System because of pre-exsting conditions, like a fall.
  • No pre existing conditions
  • Without a LTC plan, if she needs to spend more than 100 days in a nursing home, she will have to find a way to afford costs. "Spending Down" all of her savings will make her eligible for Medicaid, which will then cover her costs.
  • You're covered.
  • Full 20 days Partial 100
  • BILL: $$$$$$$$$
  • Covered with financial need.
  • After spending all of her savings, Wanda's only option might be to live in a nursing home, even if she does not physically need to. This leaves less beds available for those who do need it. Wanda is also in a Diagnostic Related Group with less medical needs than others in the facility.
  • Since Medicaid only reimburses a certain amount, based on the average DRG of those in the facility, the rest of the cost of care is left for the facility to pick up, causing them to cut corners where they can, like staffing or treatment.
  • Bill: $$$$$ Cost: $$$$ Medicaid:$$
  • SO how can we help fix this? Change the way we tax? Call an expert wizard to help us? Throw away the entire system? Model a healthcare system on a different country's system?
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