4 Top Medicare Advantage Mini LTC Benefits

By Allison Bell                        

Insurers have not rushed all that many new benefits that resemble long-term care (LTC) benefits into their 2019 Medicare Advantage plans — but they have added some.

Analysts from Avalere Health, a health care consulting firm, have come up with some Medicare Advantage mini LTC benefits offering counts. The analysts put the counts in a new Medicare Advantage supplemental benefits update.

What’s new here?

Traditionally, Medicaid has covered nursing home care. Medicare has covered home medical care, but it has not covered non-medical home care — such as help with dressing, or meal delivery services — that might help people cope with the lack of ability to handle the “activities of daily living.”

Last spring, the Centers for Medicare and Medicaid Services (CMS) freed insurers to add some  “homemaker services” to their benefits packages, by telling insurers that it would let them add benefits addressing the “social determinants of care” and the needs of people with chronic conditions to their Medicare Advantage plan benefits packages.

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