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Long-Term Care

PERSPECTIVE

Choosing Long-Term Care Insurance

Developing a method of insuring the cost of care for chronic and long-term illness that contains spending, that is attractive to potential insurance buyers, and that is acceptable to patients has proved difficult. Robyn Stone’s imaginative paper proposes a solution that is, in a sense, a return to the roots of health insurance and that on a priori grounds may have some merit. In addition to making some comments on insurance terminology and the conceptual pros and cons of this different approach to risk protection, I focus primarily on the broader question of how public, private, and mixed financing systems . . . [Full Text of this Article]

Indemnity versus disability approach.Restraining excess claims.Letting the market decide.Modifying Medicaid.

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