Developing Massachusetts’ Roadmap for LTS Financing Reform Long-Term Care Financing Advisory Committee Meeting September 10, 2009 For Advisory Committee.

Slides:



Advertisements
Similar presentations
John M. Colmers Secretary Department of Health and Mental Hygiene How States Are Trying To Expand Employer Sponsored Health Coverage.
Advertisements

A State’s Eye View of Medicaid Alan Weil Executive Director National Academy for State Health Policy Medicaid Leadership Group November 3, 2005.
Medicaid Update 2013 John J. Wernert, MD President, Professional Development Associates, LLC Medical Director, Medical Management Wishard Health System.
ROBIN LUNGE DIRECTOR OF HEALTH CARE REFORM NOVEMBER 18, 2011 Integration of Medicaid and the Exchange.
Avalere Health LLC | The intersection of business strategy and public policy Long-Term Care Financing Reform: A Federal and Private Insurance Partnership.
Prepared for the Committee for Health Care for Massachusetts December 14, 2005 ACTION COSTS LESS The Health Care Amendment Standards and Options for Reform.
Policy Proposals Health Care Coverage, Costs, and Financing.
1 Financing Long-Term Care for Minnesotans Presentation at VAN Forum March 24, 2010 LaRhae Knatterud Minnesota Department of Human Services.
Massachusetts Long-term Care Financing Advisory Committee Public Input Session - Shrewsbury February 19, 2010.
Faculty Senate SEPTEMBER 19, 2012 Pending Board of Trustee Approval HR-Benefits-update-9/19/12-FS agenda1.
— A Proposal to Cover All Americans —. 2 Health Coverage Passport Charles N. Kahn III President Federation of American Hospitals National Congress On.
MEDICARE: PAST, PRESENT AND FUTURE James G. Anderson, Ph.D. Department of Sociology & Anthropology.
Government and Health Care Roughly 15 cents of every dollar spent in US is on health care US health care spending equaled $5841 per person in 2002 Governments.
Experience, Commitment, Results. Federal Health Care Reform The impact on individuals, employers, and our health insurance coverage… National Worksite.
Michigan Department of Community Health Director Olga Dazzo Status of Health Insurance Exchange Planning Michigan Department of Community Health.
September 2013 HEALTH SAVINGS ACCOUNTS OUR PLAN AND ITS BENEFITS FOR EMPLOYEES.
Obama Administration Outline/Proposal Broad Outline Only Would retain employer based health insurance system Includes a “play or pay” model Creates a.
Medical Faculty Council SEPTEMBER 11, 2012 PENDING BOARD OF TRUSTEES APPROVAL.
CHCWG DRAFT March 2, 2006 Hearing from the American People: Preliminary Overview of Sources and Reports March 2006 Caution: Preliminary Data Do not cite.
Long-Term Supports in Massachusetts Long-Term Care Financing Advisory Committee Meeting March 5, 2009.
Vermont Health Benefit Exchange Advisory Group Meeting 4 Monday, June 27, 2011.
Health Insurance Exchanges
Health Care Reform and its Impact on Michigan Janet Olszewski, Director Michigan Department of Community Health Senate Health Policy Committee May 5, 2010.
Spotlight on the Federal Health Care Reform Law. 2. The Health Care and Education Affordability Reconciliation Act of 2010 was signed March 30, 2010.
The Rolling Hills Group Creating the Plan for Healthcare Reform for Tennessee.
Getting Connected: Can the ACA Improve Access to Health Care in Rural Communities? Russell Senate Office Building October 13, 2010 Clint MacKinney, MD,
Summary of the Future of Medicaid Long-Term Care Services in PA: A Wakeup Call Report cosponsored by University of Pittsburgh Institute of Politics & the.
Susan A. Coronel LTC Director America’s Health Insurance Plans What is LTC Insurance and Where is the Market Headed?
Medicare, Medicaid, and Health Care Reform Todd Gilmer, PhD Professor of Health Policy and Economics Department of Family and Preventive Medicine 1.
Diane Garofalo Vice President, Long Term Disability Benefits, UNUM December 3, 2009 WISER Symposium Workplace Benefits as a Foundation of Security.
Long –Term Care Financing Reform What Role For States? Hunter McKay US Department of Health and Human Services Office of Assistant Secretary for Planning.
By …. AFFORDABLE CARE ACT IN ACTION. [SELF INTRODUCTION SLIDE]
Stay Well Afford Care Secure Coverage. Our Broken Health Care System 6.5 Million Uninsured 20% of Population Source: California Health Interview Survey,
K A I S E R C O M M I S S I O N O N Medicaid and the Uninsured Figure 0 Robin Rudowitz Associate Director Kaiser Commission on Medicaid and the Uninsured.
Minnesota Task Force on Health Care Financing | Manatt, Phelps & Phillips, LLP August 26, 2015 Support for this resource provided through a grant from.
The Patient Protection & Affordable Coverage Act of 2010 as Amended (by the Health Care and Education Affordability Reconciliation Act) How Its Provisions.
Health Care Facts and Guiding Principles for Health Care Reform Public Employees Union, Local #1.
Summary of Medicaid Reform Proposals: Eligibility Provisions January th, 2006 Charles Milligan, JD, MPH Medicaid Commission Meeting.
Building a Roadmap for Financing Long- Term Services & Supports Layering and Sequencing of our Financing Options Long-Term Care Financing Advisory Committee.
THE COMMONWEALTH FUND Figure 1. Medicare’s Success in Achieving Major Goals “How successful has Medicare been in accomplishing each of the following specific.
SustiNet: Connecticut Health Reform in the Wake of Federal Action Universal Health Care Foundation of Connecticut Small Business Meeting April 12, 2010.
Building a Roadmap for Financing Long- Term Services & Supports Melding Private Insurance, a Contribution Program and Medicaid into a Cohesive Proposal.
Commonwealth of Massachusetts Executive Office of Health and Human Services Roadmap to 2014: Subsidized Insurance Workgroup Update Stakeholder Meeting.
Commonwealth of Massachusetts Executive Office of Health and Human Services Outline of Major Issues in Implementing Health Reform in Massachusetts Quarterly.
HRSA State Planning Grant Program: State Activities Alice Burton Director, State Coverage Initiatives Michigan HRSA SPG Advisory Group September 19, 2005.
Section 1115 Waiver Implementation Plan Stakeholder Advisory Committee May 13, 2010.
Health Reform 2014 Bill Graham VP, Policy & Government Affairs August 17, 2010.
J. James Rohack, MD, FACC President, AMA Director, Scott & White Center for Healthcare Policy Professor of Medicine and Humanities, TAMHSC Information.
The Role of the Private Sector in Financing Long-Term Supports Long-Term Care Financing Advisory Committee Meeting June 18, 2009.
Modeling Health Reform in Massachusetts John Holahan June 4, 2008 THE URBAN INSTITUTE.
Finalizing the Roadmap Strategies Long-Term Care Financing Advisory Committee April 29, 2010 Medicaid expansion cost estimates were developed specifically.
Health Reform: Major Congressional Proposals Joshua Goldberg State Coverage Initiatives National Meeting Albuquerque, NM July 30, 2009.
Emerging Private LTC Financing Innovations The Second National Medicaid Congress June 14, 2007 Richard P. Nelson Erickson & Sederstrom, P.C. Nebraska Initiative.
 Agreed upon fees paid for coverage of medical benefits for a defined benefit period. Premiums can be paid by employers, unions, employees, or shared.
Figure ES-1. Features of Leading Candidates’ Approaches to Health Care Reform ClintonEdwardsObamaGiulianiHuckabeeMcCainRomney Individual Mandate Yes Children.
Patient Protection and Affordable Care Act The Greens: Elijah, Amber, Kayla, Patrick.
Long-Term Care Plan Chapter 49 Employee Benefit & Retirement Planning Copyright 2011, The National Underwriter Company1 What is it? An employer-provided.
UPCOMING STATE INITIATIVES WHAT IS ON THE HORIZON? MERCED COUNTY HEALTH CARE CONSORTIUM Thursday, October 23, 2014 Pacific Health Consulting Group.
Pathways: State Reform Supporting State-Level Conversations Regarding LTSS Reform Gayle Kvenvold Aging Services of Minnesota October 21,
It’s Time to Rethink your Medical Plans Strategy Plan Planning Ahead for 2010.
PEEHIP Public Education Employees’ Health Insurance Plan
Long-Term Care Taking Control of Your Future. Top 5 fears of those 65+ Source: PRWeb.
Affordable Care Act in Illinois
Financial/Insurance Products to Fund the Costs of Long-Term Care
State Coverage Initiatives Chiquita Brooks-LaSure June 15, 2007
Second Medicaid Congress June 14, 2007
Figure 1. Three of Five Health Care Opinion Leaders Feel that Mixed Private-Public Group Insurance Is an Effective Approach to Achieving Universal Health.
What are the Options for Health Insurance Reform?
Presentation transcript:

Developing Massachusetts’ Roadmap for LTS Financing Reform Long-Term Care Financing Advisory Committee Meeting September 10, 2009 For Advisory Committee Policy Discussion Purposes

Agenda  MA financing mechanism fact sheets  LTS financing recommendations from MN and WA  Guiding principles for a reformed LTS financing system in MA  Consideration of a “straw man” financing proposal  Committee business  Public input process 2 For Advisory Committee Policy Discussion Purposes

MA Fact Sheet Check List 3 Informal Caregiver Support Savings/ Assets Insurance Products Contribution Program Public Other MA Unpaid informal caregivers  Reverse mortgages on real property  Life insurance policies/Annuity contracts  Long-term care insurance policies  Long-term care Partnership  Enhanced public or private health insurance  Contribution/pooled risk program  Minimize disparities in access to Medicaid LTS  Community-based strategies  For Advisory Committee Policy Discussion Purposes

Financing Recommendations in MN and WA 4 Informal Caregiver Support Savings/ Assets Insurance Products Contribution Program Public Other MNWA Unpaid informal caregivers  Personal Savings/Health Savings Accounts (HSAs)   Reverse mortgages on real property  Life insurance policies/Annuity contracts   Long-term care insurance policies  Long-term care Partnership  Enhanced public or private health insurance   Contribution/pooled risk program   Minimize disparities in access to Medicaid LTS Integrate financing and care delivery for duals  New public program (subsidized or CommonHealth-like) Community-based strategies/partnerships  Add NF coverage to Medicare  Family loans/lines of credit  Better retirement planning (information & incentives)  Recommended Strategy  Evaluated Strategy For Advisory Committee Policy Discussion Purposes

Principle Statements For Advisory Committee Policy Discussion Purposes

The reformed LTS financing system will: 1. Ensure a strong safety net for the poor and most vulnerable 2. Minimize the financial pressure on Medicaid 3. Encourage personal responsibility for financing LTS to the maximum extent possible 4. Enable people to access the LTS they need without becoming impoverished 5. Ensure appropriate participation of and support for informal caregivers Principle Statements 6 For Advisory Committee Policy Discussion Purposes

“Straw man” Financing Proposal For Advisory Committee Policy Discussion Purposes

Questions for Assessing Financing Proposal(s) 1. Who is most likely to benefit? 2. Who bears the costs? 3. How broadly is the risk spread? 4. How much LTS coverage does it get us and for how many people? 5. Cost and savings estimate? 8 For Advisory Committee Policy Discussion Purposes

Low High FINANCIAL RESOURCES High LTS NEED Low Medicaid Personal Resources Medicaid Spend-down Current LTS Financing System 9 LTC Insurance For Advisory Committee Policy Discussion Purposes

Short-term Financing Reforms A. Advance Planning for Private Financing of LTS 1. Launch an education/awareness campaign 2. Encourage the private purchase of LTC insurance a) Enact NAIC model act/regulation b) Become a LTC Partnership state c) Promote transparency of LTC insurance costs and benefits d) Encourage/require flexible benefits or specified LTS benefits B. At time of need for LTS 1. Provide support for informal caregivers a) Strengthen/expand respite and other caregiver support programs b) Expand caregiver training (clinical and system navigation) 2. Implement consumer protections re: reverse mortgages 10 For Advisory Committee Policy Discussion Purposes

Low High FINANCIAL RESOURCES High LTS NEED Low Medicaid Medicaid Spend-down With Short-term Financing Reforms 11 Personal Resources Consumer Protections Informal Caregiver Support LTC Insurance LTC Partnership For Advisory Committee Policy Discussion Purposes

Longer-term Financing Reforms (with Contribution Program) A. Advance Planning for Private Financing of LTS 1. Encourage enactment of/participation in federal CLASS program or 2. Develop/launch a new state contribution program 3. Encourage the purchase of supplemental LTC insurance to cover services not covered by state or federal contribution program B. At time of need for LTS 1. Provide additional support for informal caregivers E.g., expand programs that pay informal caregivers; expand paid/unpaid family leave for public employees; extend subsidized health coverage to caregivers; create specific tax credit for informal caregivers 2. Expand Medicaid to cover LTS not covered by state or federal contribution program E.g., expanded LTS; flexible benefits/consumer direction; increased income/asset limits for people participating in contribution program 12 For Advisory Committee Policy Discussion Purposes

Low High FINANCIAL RESOURCES High LTS NEED Low Medicaid ( Enhanced) Medicaid Spend-down With Short- and Longer-term Financing Reforms (with Contribution Program) 13 Contribution Program Personal Resources Consumer Protections Informal Caregiver Support LTC Insurance LTC Partnership For Advisory Committee Policy Discussion Purposes

Alternate Longer-term Financing Reforms (without Contribution Program) A. Advance Planning for Private Financing of LTS 1. Encourage private purchase of LTC insurance a) Tax incentives for individuals and employers b) Encourage employer to make group LTC insurance available to employees (pre-tax?) c) Other? B. At time of need for LTS 1. Provide additional support for informal caregivers (same as Slide 12) 2. New state LTS program (CommonHealth-like) E.g., “wrap” to public or private health insurance; expanded LTS; sliding scale premiums (based on income or income/assets); state subsidy for people below certain income/assets – asset limit can be higher for people with qualified LTC Partnership policy 14 For Advisory Committee Policy Discussion Purposes

Low High FINANCIAL RESOURCES High LTS NEED Low Medicaid Medicaid Spend-down With Short- and Alternate Longer-term Financing Reforms (without Contribution Program) 15 New state LTS program (CommonHealth-like) LTC Insurance LTC Partnership Personal Resources Consumer Protections Informal Caregiver Support For Advisory Committee Policy Discussion Purposes

Committee Business For Advisory Committee Policy Discussion Purposes

Committee Business  Public input process  Recommended approach  Next meeting:  Date: Thursday, October 15 th, 2009 from 9:00 -11:30am  Location: 21 st Floor, One Ashburton Place  Future meeting reminders:  November meeting rescheduled to Thursday, November 12 th  Additional meeting scheduled for Thursday, December 10 th 17 For Advisory Committee Policy Discussion Purposes