Monthly Archives: October 2015

The Long Term Care Insurance Partnership Program was established in 1980s and piloted in four key cities — California, Connecticut, Indiana, and New York. Its goal is to promote affordable and marketable LTC policies to the masses that will eventually lessen the burden of Medicaid in paying long term care and help people finance their own care without worrying about Medicaid eligibility rules. Those who have depleted their insurance benefits may still turn to Medicaid for assistance. Currently, the partnership program has been reinforced in almost all states in America.

Consumer Demographics

The partnership program was designed for low to middle income Americans since they are the ones who most likely deplete assets for Medicaid. However, some surveys indicate that most consumers of partnership policies are those with substantial assets. In California, Connecticut, and Indiana, the majority of policyholders own assets beyond $ 350,000. In New York the partnership program has fascinated higher income groups because the benefits can increase their savings.

Expansion through DRA

The Deficit Reduction Act (DRA) of 2005 mandated all states to adopt the partnership policies. Although the states may alter some provisions, all state policies must meet asset protection, tax qualifications, inflation protection, and other consumer protection. The DRA also mandated the Department of Health and Human Services to impose reciprocity agreement, allowing the policyholders to use their benefits when they move to other supporting states.

How Partnership Programs Affect Medicaid Spending

Proponents and opponents of Partnership program have their own say as to whether the policy has helped Medicaid with its budgetary problem. Opponents said that helping people finance their own care will lessen their dependence on Medicaid; thus, Medicaid spending for long term care will be reduced as well.

Others argue that partnership policies wont take in effect to cut down Medicaid expenditure if they qualify people who can actually handle their own care. Theres a probability for Medicaid to save dollars if the policies are bought by consumers who have not bought other policies. Without asset protection, this could even lead to greater Medicaid expenditures. However, it is not easy to conclude whether partnership program benefits Medicaid or not because the program is relatively new and few policyholders have used the benefits.

Issues and Concerns

Educating the public about the Partnership program seems hard for the state government. The expansion of Partnership program only adds confusion to consumers as to deciding whether to buy policy or not and, if so, which type of policy.

Many consumers do not understand that they cannot automatically qualify for Medicaid. They must meet the state income and other eligibility criteria before they can qualify for the benefits. To qualify for partnership policy, you should be impaired or need assistance with two or more activities from daily living. The requirements for functional eligibility vary in every state, with restrictive rules applied. This can pose problems to purchasers who exhaust their partnership policies and then cannot qualify for Medicaid. Home care is not possible with Medicaid. Medicaid normally pays the stay in none other than nursing homes.

Get more information on long term care insurance partnership. Visit to stay abreast on latest LTC news and get to know long term care policy.

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Will insurance cover the cost of eyelid surgery? Here are some things to know about Blepharoplasty.

The medical name for eyelid surgery is Blepharoplasty. This operation is one which is performed for both cosmetic reasons (appearance) and health care reasons (functionality). Cosmetically, a person’s appearance can be improved upon by the removal of excess fatty tissue which has accumulated due to the aging process. Sagging and puffiness can make a person look tired and crabby, even when they’re well rested and in a good mood. While most plastic surgical procedures are not paid for by health care coverage, some are. The reason that some are covered is because there is a medical concern as well as one regarding physical appearance. This is the case with eyelid surgery.

When a person’s eyelids become puffy and they have excess skin and fatty deposits in the region, not only does it look unappealing, but it can hamper vision, as well. In order for a person to be able to see clearly, their eyes must have an open view without any obstructions. When skin is sagging into the range of vision, this is not the case. Visual capabilities, especially in the peripheral regions, can be diminished. When peripheral vision is obscured, this can cause driving ability to become impaired and is a danger to all on the road. While there may be redundant tissue in both the upper and lower lids, it is the upper region that causes problems with eyesight.

A Blepharoplasty is performed by a board certified plastic surgeon in a clinical setting or hospital. This technique takes approximately two hours to perform and is considered to be an outpatient procedure, meaning that the patient will go home on the same day as the tissue removal via scalpel and stitches. Occasionally, patients opt to have more than one procedure done at the same time, in which case they may need to spend one night in the hospital. Examples of simultaneous procedures include brow lifts, face lifts and more. Anesthetic is administered either generally or locally with a sedative. It is considered to be general anesthesia when the patient is completely put under, while a local is the numbing of only the region in question.

After the procedure, the patient should expect pain, bruising, swelling and redness. The eyelids may also feel tight and difficult to close initially. Liquid tears will help to keep the eyes moistened during the early days of recovery. A post-op patient should have a friend or family member along to drive them home and stay to help out for a day or two. Having the companionship along with someone to cook meals and prepare a cup of tea will help much with the patient’s comfort and healing.

In order to find out whether this procedure is covered by health care insurance, it would be wise to make an initial consultation appointment with a plastic surgeon who specializes in Blepharoplasty. The doctor will do an examination which includes a visual screening. If it is discovered that there is a blockage of vision, the eyelid surgery will likely be covered by insurers.

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