The Need for Effective Long Term Care Regulations

One thing that the country needs now is effective long term care regulations.  As elderly Americans rely on government insurance programs such as Medicaid, these programs are not adequate enough to cover for their long term care needs. There are conditions and requirements that they would need to fulfill before they receive these benefits. There have been different laws in the past but most of these laws were discontinued because of their inadequacy to provide effective long term care coverage.  Here are the reasons why there is a growing need for an effective long term care regulations in the country.

 

Resources for long term care may diminish – Currently there are around 10 million Americans who are needing long term care.  This does not cover elderly citizens but also those between the ages of 18 to 64.  Out of this figure, almost two thirds believe that their long term care needs would be covered by government insurance programs.   However, there might come a time that resources might run out.  If this happens, not everyone would receive the coverage they need.  They might implement stricter guidelines before coverage is received.   If this happens what other options to people have in order to get coverage for their long term care needs.

Ensure that there is a steady supply of LTC service provider – Another reason why there is a need for effective long term care regulations is to ensure that there would be a steady supply of providers for long term care.  As the demand for these services increase, the supply for these specialized services becoming less and less.  There might come a time that the supply for LTC services cannot meet the demands in the market.  If this happens, it would also influence the costs of long term care to also rise and affect the quality of care provided.

Protect the rights of the people needing long term care – Another reason why it’s imperative to implement an effective long term care regulation in the country is to protect the rights of the person needing long term care.  There might be instances where they would not get the coverage that they have signed up for or their claims would be rejected.  In the long run, elderly citizens especially those with LTCI plans are assured that they would get the coverage that they have signed up for without experiencing fraudulent practices from these insurance companies.

No matter what discussions are, one thing is certain and that is the need for long term care regulations that are effective.  If the long term care system of the country is improved, there would be no worries about diminishing resources for long term care.  Individuals need not rely heavily on Medicare and Medicaid.  There would be a steady supply of LTC providers that can cope up with the demands in the market.  This would also minimize price increase for these services. Lastly, when there are effective laws regarding long term care, this ensures that citizens especially the elderly would receive the quality care that they need.

 

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