Pepper Commission Report: Joint Hearing Before the Subcommittee on Commerce, Consumer Protection, and Competitiveness and the Subcommittee on Health and the Environment of the Committee on Energy and Commerce, House of Representatives, One Hundred First Congress, Second Session, April 26, 1990U.S. Government Printing Office, 1990 |
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AAHA AARP afford AHCA Alzheimer patients Alzheimer's Alzheimer's Association Alzheimer's disease Americans assets assistance Barry Anderson beneficiaries BLILEY caregivers catastrophic Chairman coinsurance Commonwealth Fund comprehensive Congress consumer Consumers Union copayments cost cover Daniel Yankelovich eligibility employers Families USA federal government financing funding health care system health insurance HIAA believes home and community-based home health important incentives income increase individuals insurance market issue Lehnhard limited long-term care insurance long-term care needs long-term care program long-term care services Medicaid Medicare million NAHC NAIC nursing home stays Pepper Commission recommendations Pepper Commission's recommendations percent persons population premiums private insurance private long private long-term private sector protection public program purchase recognize RENDISH requirements respite care role severely disabled social insurance social insurance program spenddown Subcommittee targeted term care insurance term care needs term care services Thank WAXMAN WILLGING
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Page 79 - Generally speaking, do you think of yourself as a Republican, a Democrat or what? (If Democrat) Would you call yourself a strong Democrat or a not very strong Democrat? (If Independent) Do you think of yourself as closer to the Republican or Democratic Party? (If Republican) Would you call yourself a strong Republican or not very strong Republican? Strong Democrat
Page 1 - The subcommittee met, pursuant to notice, at 10:06 am, in room 2123, Rayburn House Office Building, Hon. Henry A. Waxman (chairman) presiding. Mr. WAXMAN. The meeting will come to order. First of all,
Page 93 - The recent introduction of employer-sponsored plans is particularly promising. These employee pay-all plans offer the opportunity to reach a large number of people efficiently during their working years when premiums are more affordable. Coverage in the workplace offers the additional advantage of employers selecting the best plan at
Page 15 - Hon. HENRY WAXMAN, Chairman, Subcommittee on Health and the Environment, Committee on Energy and Commerce, House of Representatives, Washington, DC. DEAR
Page 133 - Policyholders who drop their policy, perhaps to buy a better policy, are typically out of luck. We believe that policyholders who drop their policy after a certain amount of years of paying premiums should be eligible for some sort of compensation (eg. a
Page 155 - obligation to protect the program against excessive costs while acknowledging the caregiver's responsibility for managing the client's care, and serving as the client's advocate. It is the agency caregivers who are trained for assessments and are in personal contact with the client on a continuing basis. They are the ones ultimately responsible
Page 131 - THE PRIVATE LONG-TERM CARE INSURANCE MARKET Consumers Union believes that the private market can not be expected to solve the nation's long-term care problem for a number of reasons. Companies reject as many as 30 percent of applicants, those with higher than average health risks. Policies are expensive, costing up to $100 per month for a 65-year-old, and much
Page 90 - play a vital role. There is a growing and critical role for private insurance to provide a better means of financing long-term care for those who can afford to protect themselves.
Page 132 - more for older applicants. Policies often restrict benefits for certain types of care (eg. custodial), and consumers seldom fully understand the implications of the fine print in the contracts. "Gate-keeping
Page 40 - not getting the kind of care they need when they need it. This is not made any easier by the fact that there is no way of knowing when a person is going to need a certain kind of