Medicare is a federal health insurance program that includes 65 years old and above, some people who are disabled, and people with end-stage renal disease. It was established in 1965 under the Title VIII of Social Security Act. Medicare covers many serious medical conditions, conditions from which patients mostly recover. However, Medicare does not cover care that is given at home and nursing homes for people with recurring illnesses, and lengthy treatment (http: //www. aging-parents-and-elder-care. com/Pages/Medicare. html). Medicare does not offer long term care support for the elderly. In order for an old adult to have long term care support, he must buy his own Supplemental Medicare Insurance (Medigap) from a private insurance company (http: //www. aging-parents-and-elder-care. com/Pages/Medicare. html). Medicaid: Medicaid is a health insurance program designed for low-income people.
People of low-income status are low-income families with children, aged (65 years old and above), blind and disabled people on Supplemental Security Income, pregnant women, and people who have high medical bills. Medicaid was founded as Title IX of the 1965 Amendment to the Social Security Act. Funded and administered through state-federal partnership (http: //www. longtermcarelink. net/). Medicaid Predicament: Congress is anxious about the rising costs of Medicaid which prompted the 1988 legislation aimed at tightening the financial eligibility.
The elderly population who are the recipients of long term care is the most affected group; because this is the fastest-growing section for disbursement (http: //www. longtermcarelink. net/). “ In 1993, legislation directed States to implement a mandatory estate recovery program for recipients over age 55, who are receiving nursing home and community waiver care. .. and in 1998 Congress mandated that States set up recovery service agencies” . The most affected group through these legislations is the elderly. The states are not as anxious about it as Congress.
The states view on this matter is that the elderly people, who are receiving long term care, are truly on the breadline by long-term care cost, and to squeeze these people can only increase the burden of overextended family members.
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