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Institute of Medicine says the Human Environment is Making us Fat

AIDS in Cuba, the costs and benefits of HSAs, long-term care insurance, and more from our Daily Briefing.

Genetic Privacy and Long Term Care: What Happened in California?

A loophole in California law means that insurers could require you to take a genetic test to qualify for long-term care insurance – and potentially deny coverage based on the results.

Bonnie Burns

Bonnie Burns is a training and policy specialist consultant for California Health Advocates, a nonprofit organization working on education and advocacy efforts on behalf of Medicare beneficiaries and the pre-retirement population in California. Burns is a consumer advocate with more than two decades of experience working with county and state counseling programs. She assists seniors with Medicare, Medicare supplemental insurance and long-term care insurance.

Long-Term Care: Multiple Concerns

About 70 percent of the elderly will require some type of long-term care services during their lifetimes, and more than 40 percent will need nursing home care. At any given time, about 1.5 million people live in one of the nation's 15,000 nursing homes. Nursing homes are heavily regulated by the federal and state governments, which pay for about two-thirds of all residents through the Medicaid and, to a lesser extent, Medicare programs (pricetag: $75 billion a year.) Assisted living, however, is governed by different rules in each state and is generally paid for with private dollars.

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