Certified Senior Advisor (CSA) Practice Test

Medicaid plays a crucial role in financing long-term care, including nursing home services. Significantly, it provides coverage for individuals who meet specific income and asset criteria, which often includes elderly individuals and those with disabilities. As a government program, Medicaid is designed to assist low-income individuals with health-related costs, including the substantial expenses often associated with nursing home care.

The reason Medicaid covers nearly half of all nursing home care in the United States is due to the high costs of these facilities and the limited financial means of many individuals requiring such care. While Medicare covers some aspects of skilled nursing care, it generally offers limited assistance and does not cover long-term stays in nursing homes. In contrast, private insurance and Veterans Affairs do provide some coverage, but they do not account for the majority of payments made for nursing home care.

This combination of factors underscores Medicaid's essential role in supporting individuals who would otherwise be unable to afford the care they need, ensuring access to vital nursing home services for a significant portion of the population.