Policy options for public long-term care insurance.
Policy options for public long-term care insurance.
复制标题
公共长期护理保险的政策选择。
DOI：
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发表时间：
1994
期刊：
影响因子：
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通讯作者：
Joseph P. Newhouse
中科院分区：
文献类型：
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作者：
Edward C. Norton;Joseph P. Newhouse
长期护理保险作为国家卫生系统改革的一部分的地位以及这种保险的性质（如果它是改革的一部分）存在争议。一些团体，特别是那些代表老年人的团体，认为必须改变目前严重依赖医疗补助计划的融资体系。其他国家不会修改目前的安排，至少在短期内不会。根据现行法律，个人有资格通过医疗补助获得养老院福利，如果他们除了住房权益外几乎没有资产。以下建议将显著改变这些安排：佩珀委员会1建议为那些严重残疾的人建立一个普遍的保险制度，但将福利限制在最初的3个月内。3个月后，疗养院居民将支付所有费用，除非他们足够贫困，有资格获得类似于当前医疗补助计划的保险。布鲁金斯研究所的分析师主张扩大
CONTROVERSY surrounds the place of long-term care insurance as part of national health system reform and the nature of such insurance if it is to be part of the reform. Some groups, most notably those representing older adults, believe that the current financing system, which relies heavily on the Medicaid program, must be altered. Others would not modify present arrangements, at least in the short run. Under current law, individuals are eligible for nursing home benefits through Medicaid if they have few assets other than housing equity. The following proposals would markedly change these arrangements: The Pepper Commission1 recommends a universal insurance system for those sufficiently disabled, but limits benefits to an initial period of 3 months. After 3 months, nursing home residents would pay for everything, unless they are poor enough to qualify for coverage similar to the current Medicaid program. Analysts at the Brookings Institution 2 advocate expanding the