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The Motley Fool November 10, 2005 David Braze	Who Pays for Long-Term Care? In the second of a six-part series, this installment covers what Medicare and Medicaid cover (and don't cover) for long-term care.
Financial Planning February 1, 2005 DeFrancesco & Flory	The Golden Years? As this country's baby boomers get closer to retirement, long-term care (LTC) will only grow in importance. Medicaid annuities may help clients preserve their assets, even if they're already in a nursing home.
The Motley Fool January 22, 2007 Dan Caplinger	Understanding Medicare: Benefits Medical coverage for seniors is a big part of a strong retirement-protection plan.
The Motley Fool January 22, 2007 Dan Caplinger	Understanding Medicare: Costs The deductibles and co-payments for Medicare Advantage Plans and prescription-drug plans can vary greatly between particular plans. A thorough examination of such plans is necessary for understanding the costs and to make a good decision about which plan to choose.
Financial Planning September 1, 2008 Donald Jay Korn	Pleading Poverty Few things can play havoc with a thoughtful financial plan as surely as a long stay in a nursing home. Therefore, "Medicaid planning" has become a prime concern for many seniors and their younger relatives.
Managed Care February 2006	Managed Care Offered to More Medicaid Enrollees A chart illustrates the percentage of medicaid enrollees in managed care, for the years 1996 to 2004.
Registered Rep. September 18, 2013 Kevin McKinley	Having Money and Getting Medicaid Clients who want to have both their money and Medicaid may want to purchase a specific type of long-term care insurance known as a "partnership" policy, currently available to residents in 31 states.
On Wall Street November 1, 2012 Todd Colbeck	Boost Your Medicare Expertise What every advisor should know about government insurance to better serve clients.
Registered Rep. January 2, 2013 Kevin McKinley	Mapping the Medicare Maze Advisors can shed some much-appreciated light on this crucial but confusing program.
Managed Care April 2005	Medicare Modernization Act to Increase Public Sector Spending Nearly 50 Percent While the burden on the public sector to supply health care benefits to Medicare and Medicaid enrollees will increase, on the private side, a reevaluation of current forms of health insurance coverage may take place as growth in premiums continues to outpace growth in compensation.
BusinessWeek February 21, 2005 Howard Gleckman	The New Face Of Medicaid Seniors and the disabled are pushing the program to the breaking point.
The Motley Fool January 22, 2007 Dan Caplinger	Understanding Medicare: Claims In general, Medicare provides a level of coverage that is fairly similar to what private health insurance plans offer. Here are some tips for getting the most from it.
Registered Rep. November 5, 2012 Mark Miller	Lawsuit Settlement Is a Game-Changer for Long-Term Care Coverage Medicare recipients will find it easier to get coverage.
The Motley Fool November 15, 2005 David Braze	Should You Buy Long-Term Care Insurance? An insurance policy can help pay for senior care, but it may not be right for everyone.
Managed Care September 2007	Ninety Percent of Adults Eligible For Medicare Have Drug Coverage A study from the University of Michigan Institute for Social Research finds that 90 percent of Americans age 65 and older now have prescription drug coverage, compared to more than 75 percent who were covered in 2004.
Investment Advisor July 2007 Rosanne Grande	"A Piece of Paper or a Place to Live?" Here are some key issues that must be addressed before advising financial planning clients to purchase a long-term-care insurance policy.
Registered Rep. October 1, 2005 Janet Arrowood	The Advisor's Safety Net: LTC Insurance While boomer-aged clients are in the process of shifting from asset-accumulation to asset-withdrawal mode, advisors need to discuss long-term care insurance.
Managed Care April 2002	More Than Just 'Chipping' Away at Problem of Uninsured Children CHIP (the Children's Health Insurance Program) continues to grow by leaps and bounds. About 4.6 million children in the U.S. received coverage through CHIP in fiscal year 2001. That's an increase of 38 percent from fiscal year 2000...
Financial Advisor May 2007 Gail Liberman	More Wrinkles Than Ever Your financial advisory clients need you to help them understand the new Medicaid rules.
The Motley Fool January 26, 2007 Dan Caplinger	Fall Into the Medigap: Part 2 Medicare supplemental insurance may give you the additional protection you need. Knowing more about the various plan options is helpful in making a decision about which Medigap policy to choose.
The Motley Fool January 26, 2007 Dan Caplinger	Fall Into the Medigap: Part 3 Medicare supplemental insurance may give you the additional protection you need. By understanding and evaluating your Medigap options, you can manage the financial risk of medical expenses, giving you the confidence that your health needs will be met.
Managed Care August 2002	24 States Hope Pharmacy Plus Helps Medicaid Twenty-four states may gamble that providing a prescription drug program to low-income elderly who do not qualify for Medicaid could save them money in the long run.
BusinessWeek July 14, 2003 Robert J. Barro	Medicare: Forget the Drug Benefit, and Face Up to Real Reforms Washington seems poised to make a major error on Medicare. The program's costs are out of control, and the situation will deteriorate further as the population ages. We should be considering basic changes to the structure of the health-care market.
Investment Advisor December 2007 Kara P. Stapleton	Care Givers Smart advisors are offering financial gerontology services to clients and their families, and are getting increased client satisfaction and referrals in return.
Managed Care October 2001	CMS Defends Plan To Let States Tailor Medicaid Benefits Centers for Medicare and Medicaid Services Administrator Thomas Scully has defended the Bush administration's plan to allow states to opt out of mandatory Medicaid-coverage requirements...
BusinessWeek February 21, 2005	Mooching Off Medicaid The state-run medical-care programs originally designed to help poor mothers and their children now increasingly pay for nursing-home care for seniors. While many of those seniors are genuinely poor, others are not. The rules should be tightened.
Financial Planning April 1, 2007 Joan Warner	What's Next for Medicare Is America's retirement healthcare plan really in trouble? Here's some good news -- and some hard decisions for your financial advisory clients.
Managed Care October 2002	Though M+C Erosion Slows, Reimbursement Still an Issue The exodus of health plans from Medicare+Choice will moderate somewhat next year, offering hope that the struggling system can make a comeback.
Managed Care November 2007	Patient Advocates Want Part D Changes A Medicare-administered drug benefit would be more affordable and comprehensive than the current private insurance-run drug benefit, say patient advocate groups.
The Motley Fool January 26, 2007 Dan Caplinger	Fall Into the Medigap Unfortunately, choosing the best Medigap policy for your particular situation can be complicated. You have to analyze the various options included in the plans that are available to you.
Registered Rep. March 11, 2011 Mark Miller	Navigating the Long-Term Care Minefield Long-term care insurance is a tough market to navigate -- for clients and planners alike.
Financial Planning February 1, 2006 Janet Aschkenasy	Drug Deals Here is how to help your financial advisory clients make sense of Medicare Part D.
Investment Advisor March 2006 Elizabeth Festa	Incentives for Long-Term Care New long-term care partnership programs, which are active in four states, now provide private LTC insurance with special access to Medicaid for those exhausting their insurance benefits.
Knowledge@Wharton	Major Health Care Reform Under President Bush Remains Elusive Three of the chief health-care challenges facing the United States are: finding a way to provide coverage for the millions of uninsured, reforming Medicare, and setting up a prescription-drug plan for the elderly. The White House is likely to make headway on only the third of these in the next two years.
Registered Rep. May 21, 2013 Alan Lavine	Avoid Blowing Up a Veteran's Benefits Selling trusts and life insurance to war veterans can be tricky. One misstep could disqualify them from important benefits.
Financial Planning August 1, 2009 Mary Quist-Newins	Double Jeopardy One of the main decisions your client must make is whether to buy LTC insurance. Women are in double jeopardy here because they are often both caregivers and receivers. This double jeopardy presents significant financial dangers.
Financial Planning February 1, 2006 Marie F. Smith	AARP's Blueprint Americans can -- and should -- pull together to create a secure future for its citizens. To suggest that an older America will precipitate a crisis overstates the problem and fails to consider some major mitigating factors.
Financial Planning July 1, 2006 Robert M. Hayes	Preserve Medicare Medicare is a roadmap for the future healthcare of America. It should be fine-tuned and improved, not undermined and privatized as the Washington power brokers are now attempting to do.
BusinessWeek October 3, 2005 Howard Gleckman	Medicare: Decisions, Decisions With drug and HMO plans now in the mix, seniors face a raft of complex choices.
Managed Care December 2002	M+C meltdown hinders access to medications The fact that health plans are abandoning Medicare+Choice at a slower rate than in previous years doesn't mask the fact that the exodus of plans only exacerbates the problem of lack of pharmaceutical coverage for the elderly.
Financial Advisor January 2009 Allen Hamm	Read Carefully Big improvements have come to long-term care insurance, but financial advisors need to be aware that some policies still contain unacceptable restrictions for accessing benefits.
The Motley Fool December 6, 2005 David Braze	Other Long-Term Care Sources If you need help as you age, where will you get it and how much will it cost? Long-term care insurance may help meet this need, but we each must decide for ourselves what option is most appropriate.
National Real Estate Investor September 1, 2006 Joe Gose	A Much Rejuvenated Nursing Home Sector A GE Healthcare/Formation Capital deal signals a renewed interest of institutional investors in nursing homes, which, unlike the independent or assisted living sectors of the seniors housing industry, provide more hands-on care to short-term as well as long-term residents.
Managed Care April 2005 John Carroll	Can Managed Care Programs Rein in Medicaid's Runaway Budgets? Cadillac or Yugo care for the poor? Fee-for-service or managed care? The states have a lot on their minds as the Medicaid monster grows and grows.
Investment Advisor September 2007 Marlene Y. Satter	In the Meantime Despite the recent bad press, you still have to recommend long-term care insurance to your clients. What do you do?
BusinessWeek May 10, 2004 John Carey	Drug Prices: A New Covenant? The states' growing negotiating clout with Big Pharma raises crucial questions
Managed Care February 2002	Hospital costs lead way in health care expenditures The share of the gross domestic product attributed to health care increased slightly more than overall GDP growth from 1999 to 2000 -- the first time that's happened in nine years...
Managed Care July 2002	CBO Weighs Effect of Growing Deficit on Fed Programs Health care programs such as Medicare and Medicaid figure to suffer, thanks to a growing federal budget deficit, according to a report by the Congressional Budget Office.
Managed Care February 2007	Managed Care Outlook Coverage for children leads policy debate.
Managed Care June 2006	All Insurers Face Similar Spending Growth The rapid rate of growth in health spending relative to national income is raising concern among policymakers -- is the U.S. health care system financially stable?