Medicare Advantage LTC Benefits Fall Short of Comprehensive Coverage, Leaving Gaps Medicaid Must Fill

Milliman analyzes the limitations of long-term care supplemental benefits now permitted in Medicare Advantage plans since 2019, finding they cover only a fraction of typical LTC costs that run $70,000-$130,000 annually. The piece examines what MA plans can offer for home health, adult day care, and caregiver support versus the comprehensive custodial care needs of aging beneficiaries. This matters for Medicaid managed care because when MA benefits are exhausted, beneficiaries often spend down to Medicaid eligibility, shifting LTC costs to state programs and dual-eligible plans.

Long-Term Care · Managed Care

This is outside commentary from Milliman, not part of Medicaid Monitor's independently scored news coverage.

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