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Long term care Policies and ACA
Nov 27, 2012

Will people with HIV be able to buy Long Term Care Policies after Obamacare eliminates pre-existing conditions on Jan 2014?

Response from Mr. Chambers

Unfortunately, the portion of ACA that addressed Long Term Care (Nursing home or custodial care)has been put on hold due to the expected costs. The origin of the CLASS Act under ACA was added to the law because the private Long Term Care Insurance industry has just about crashed. Insurance companies initially priced their product too low. Rather than try to put through 30 - 90% rate increases, many of the largest carriers simply withdrew from the market.

The National Multiple Sclerosis Society states: "Coverage for long-term care is intended to be improved by the CLASS Act and the Community Choices Act, both of which were bundled into the ACA.

"CLASS (Community Living Assistance Services and Supports) is an idea for a voluntary long-term care insurance program intended for employees, even those who have been diagnosed with MS.

"As of early 2012 however, the Obama Administration has put all efforts to implement the CLASS Act on hold until or unless the program's long term financial viability can be assured. The Society continues to advocate the need for these and other long term care options for people with MS.

"The Community Choices Act strengthens Medicaid support for home- and community-based services. The hope is that these modest supports can keep more people out of long-term care facilities. On the down side, some fear that the lower Medicare payment rates to long-term care facilities may impact the availability and quality of these services."



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