Coverage of Adult Day Services in Long Term Care Insurance Policies
- 1 June 1997
- journal article
- research article
- Published by SAGE Publications in Journal of Applied Gerontology
- Vol. 16 (2) , 221-234
- https://doi.org/10.1177/073346489701600206
Abstract
Private long term care insurance is growing in availability with 3.4 million policies sold by the end of 1993. This article examines nine policies with particular emphasis on how coverage of adult day services relates to actual beneficianes' needs and current practices among day center providers. Review of eligibility requirements for beneficiaries and for adult day centers showed variability among policies. Some requirements were counterproductive to beneficiaries' needs whereas others did not encourage the most cost effective care. Based on lessons learned from two Robert Wood Johnson Foundation national programs, recommendations are offered that are intended to make such policies more useful to beneficiaries.Keywords
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