Background
More than nine million people are simultaneously eligible for both Medicare Authorized in 1965 under Title XVIII of the Social Security Act, Medicare provides health insurance coverage for people age 65 and older and for some disabled people under age 65. This federal program consists of Part A (Hospital Insurance), Part B (Supplemental Medical Insurance), Part… and Medicaid and often known as duals or dual-eligibles. Dual-eligibles are a diverse group with respect to age, health and disability status, and service utilization. Some have substantial needs for both health care and long-term services and supports Also known as Long-term Care (LTC), LTSS encompass a broad range of assistance needed by people of all ages who have cognitive or mental impairments and who may lack the physical ability to function independently. In their basic form, LTSS consist of help with self-care and… ( LTSS Also known as Long-term Care (LTC), LTSS encompass a broad range of assistance needed by people of all ages who have cognitive or mental impairments and who may lack the physical ability to function independently. In their basic form, LTSS consist of help with self-care and… ) and incur major expenses for both types of services, while others require few services.
Most dual-eligibles receive their Medicaid services through a fee-for-service (FFS) system that allows them to choose their providers. However, many now receive services from managed care organizations (MCOs). In some states, dual-eligibles are permitted to receive their Medicaid services through MCOs, but other states require them to obtain Medicaid services through MCOs. The mandated approach is becoming more common (see also Chapter 8, Long-Term Services and Supports Also known as Long-term Care (LTC), LTSS encompass a broad range of assistance needed by people of all ages who have cognitive or mental impairments and who may lack the physical ability to function independently. In their basic form, LTSS consist of help with self-care and… , for a full discussion of Medicaid-managed LTSS Also known as Long-term Care (LTC), LTSS encompass a broad range of assistance needed by people of all ages who have cognitive or mental impairments and who may lack the physical ability to function independently. In their basic form, LTSS consist of help with self-care and… ). In most states with mandatory Medicaid managed care for dual-eligibles, those beneficiaries continue to receive their Medicare Authorized in 1965 under Title XVIII of the Social Security Act, Medicare provides health insurance coverage for people age 65 and older and for some disabled people under age 65. This federal program consists of Part A (Hospital Insurance), Part B (Supplemental Medical Insurance), Part… services through FFS arrangements unless they choose to receive them from MCOs.
For dual-eligibles in FFS arrangements, the lack of coordination between Medicare Authorized in 1965 under Title XVIII of the Social Security Act, Medicare provides health insurance coverage for people age 65 and older and for some disabled people under age 65. This federal program consists of Part A (Hospital Insurance), Part B (Supplemental Medical Insurance), Part… and Medicaid can be problematic. There is generally no clinical, service, or financial coordination between the Medicare Authorized in 1965 under Title XVIII of the Social Security Act, Medicare provides health insurance coverage for people age 65 and older and for some disabled people under age 65. This federal program consists of Part A (Hospital Insurance), Part B (Supplemental Medical Insurance), Part… and Medicare Authorized in 1965 under Title XVIII of the Social Security Act, Medicare provides health insurance coverage for people age 65 and older and for some disabled people under age 65. This federal program consists of Part A (Hospital Insurance), Part B (Supplemental Medical Insurance), Part… programs for these beneficiaries. In some cases, they may have a third card for their Medicare Authorized in 1965 under Title XVIII of the Social Security Act, Medicare provides health insurance coverage for people age 65 and older and for some disabled people under age 65. This federal program consists of Part A (Hospital Insurance), Part B (Supplemental Medical Insurance), Part… Part D prescription drug coverage. Those with complex health and LTSS Also known as Long-term Care (LTC), LTSS encompass a broad range of assistance needed by people of all ages who have cognitive or mental impairments and who may lack the physical ability to function independently. In their basic form, LTSS consist of help with self-care and… needs can experience fragmented, uncoordinated care that can drive up cost without adding value. This is problematic at the individual, provider, and system levels. Additionally, beneficiaries must navigate among delivery systems with varying sets of requirements.
Enrolling dual-eligibles in MCOs may help eliminate care fragmentation, improve quality, and lead to cost savings. Some experts believe that MCOs have an incentive to keep people as healthy as possible because they bear the financial risk. Others argue that capitated payments may create incentives to deny needed care.
There are also concerns that MCOs may not be able to meet the unique need of dual-eligibles who need LTSS Also known as Long-term Care (LTC), LTSS encompass a broad range of assistance needed by people of all ages who have cognitive or mental impairments and who may lack the physical ability to function independently. In their basic form, LTSS consist of help with self-care and… . Addressing these concerns requires robust state oversight of MCOs; inclusion of beneficiary and family member perspectives in MCO oversight; meaningful beneficiary protections, including opt-out provisions; and sound quality measures.
Duals demonstrations—problems associated with lack of care coordination and high costs among dual-eligibles have prompted states and the federal government to design programs that seek to improve the quality of care that they receive while also reigning in costs. The Centers for Medicare Authorized in 1965 under Title XVIII of the Social Security Act, Medicare provides health insurance coverage for people age 65 and older and for some disabled people under age 65. This federal program consists of Part A (Hospital Insurance), Part B (Supplemental Medical Insurance), Part… & Medicaid Services (CMS) is considering different approaches through the Financial Alignment Initiative or what are known as the duals demonstrations.
The predominant approach—the capitated model—aims to improve service and financial coordination through risk-based managed care arrangements. Under this approach, the state, CMS, and the health plan enter into a three-way contract, and the plan receives a prospective, blended payment to provide comprehensive, coordinated care. Dual-eligibles are then enrolled in a managed care plan that is expected to coordinate all their care (including LTSS Also known as Long-term Care (LTC), LTSS encompass a broad range of assistance needed by people of all ages who have cognitive or mental impairments and who may lack the physical ability to function independently. In their basic form, LTSS consist of help with self-care and… if needed) within the blended capitated rate. If a state demonstration automatically enrolls dual-eligibles in a risk-based managed care demonstration, it must offer an alternative coverage option so they can opt out of the demonstration. A few states are pursuing a second option—the managed FFS model. This model provides dual-eligibles with Medicare Authorized in 1965 under Title XVIII of the Social Security Act, Medicare provides health insurance coverage for people age 65 and older and for some disabled people under age 65. This federal program consists of Part A (Hospital Insurance), Part B (Supplemental Medical Insurance), Part… and Medicaid services (including LTSS Also known as Long-term Care (LTC), LTSS encompass a broad range of assistance needed by people of all ages who have cognitive or mental impairments and who may lack the physical ability to function independently. In their basic form, LTSS consist of help with self-care and… ) within an FFS environment.
This model provides high-risk dual-eligibles with care coordination services. Under the managed FFS model, a state and CMS enter into an agreement in which the state would be eligible to benefit from savings that result from initiatives designed to improve quality and reduce costs for both Medicare Authorized in 1965 under Title XVIII of the Social Security Act, Medicare provides health insurance coverage for people age 65 and older and for some disabled people under age 65. This federal program consists of Part A (Hospital Insurance), Part B (Supplemental Medical Insurance), Part… and Medicaid. Some states are developing demonstrations that test both models. (Policies related to the managed FFS model are included in this Section - under Managed Care for Dually Eligible Medicaid Beneficiaries because many of the policies that apply to the managed care demonstration also apply to the FFS demonstration.)
CMS has contracted with a national evaluation team to conduct an external evaluation of the demonstrations. Ensuring access to high-quality coordinated care for dual-eligibles and controlling their costs without compromising consumer protections in the design, implementation, and administration of these new demonstrations are critical objectives for AARP.
AARP’s general policies related to dual-eligibles in Medicaid managed care for health care, LTSS Also known as Long-term Care (LTC), LTSS encompass a broad range of assistance needed by people of all ages who have cognitive or mental impairments and who may lack the physical ability to function independently. In their basic form, LTSS consist of help with self-care and… , or both are reflected below. They also apply to people enrolled in state demonstrations to integrate care for dual-eligibles—both the risk-based managed care approach and the managed FFS/shared-savings approach, where applicable.
MANAGED CARE FOR DUALLY ELIGIBLE MEDICAID BENEFICIARIES: Policy
Transparency
State and federal governments should be transparent and inclusive in decisions related to dual-eligibles in managed care.
State and federal governments should establish user-friendly processes to ensure diversity in public involvement, including in the development, implementation, and oversight of new approaches to providing care—including long-term services and supports Also known as Long-term Care (LTC), LTSS encompass a broad range of assistance needed by people of all ages who have cognitive or mental impairments and who may lack the physical ability to function independently. In their basic form, LTSS consist of help with self-care and… ( LTSS Also known as Long-term Care (LTC), LTSS encompass a broad range of assistance needed by people of all ages who have cognitive or mental impairments and who may lack the physical ability to function independently. In their basic form, LTSS consist of help with self-care and… )—to dual-eligibles.
States should make information on plan performance and other key measures available to the public in a user-friendly manner. For example, materials should be culturally and linguistically appropriate.
Data collection and reporting across MCOs should ensure accurate comparisons.
Plan readiness
State and federal governments must ensure that risk-based MCOs demonstrate they can provide the full range of Medicaid-covered services—primary, acute, and long-term services and supports Also known as Long-term Care (LTC), LTSS encompass a broad range of assistance needed by people of all ages who have cognitive or mental impairments and who may lack the physical ability to function independently. In their basic form, LTSS consist of help with self-care and… ( LTSS Also known as Long-term Care (LTC), LTSS encompass a broad range of assistance needed by people of all ages who have cognitive or mental impairments and who may lack the physical ability to function independently. In their basic form, LTSS consist of help with self-care and… )—before they are permitted to enroll dual-eligibles.
Plans must further demonstrate the ability to provide high-quality care and care coordination services.
States and the federal government should develop a robust plan-readiness review process to determine whether health plans in the capitation Capitated payment systems are a type of managed care. They can be used to fund health care, long-term care or both. In a capitated system a managed care organization (MCO) is paid a fixed amount for each person served (often a specific amount per consumer per month) and in turn is… model or providers in the managed Fees-for-Service model are prepared to provide all contracted services in a safe, efficient, and effective manner. Plan readiness includes, at a minimum, network adequacy (including the ability to pay contracted providers within a reasonable amount of time); a proven track record of high performance, the ability to provide high-quality care coordination services, or both; the ability to offer participant-directed LTSS Also known as Long-term Care (LTC), LTSS encompass a broad range of assistance needed by people of all ages who have cognitive or mental impairments and who may lack the physical ability to function independently. In their basic form, LTSS consist of help with self-care and… including, but not limited to, counseling and financial management services; the ability to monitor and improve services; demonstrated financial stability in the plan and adequate protections against insolvency; the ability to generate required data and reports for governmental entities and public reporting; and adequate capacity to respond to enrollee grievances and appeals.
State and federal governments must ensure that health plan provider networks include a sufficient number of health and LTSS Also known as Long-term Care (LTC), LTSS encompass a broad range of assistance needed by people of all ages who have cognitive or mental impairments and who may lack the physical ability to function independently. In their basic form, LTSS consist of help with self-care and… providers in both rural and urban areas that are willing and qualified to serve the unique needs of plan participants.
States must ensure that plans and providers demonstrate the ability to offer person- and family-centered care by honoring individuals’ preferences and values, supporting their or their representatives’ desire to self-direct LTSS Also known as Long-term Care (LTC), LTSS encompass a broad range of assistance needed by people of all ages who have cognitive or mental impairments and who may lack the physical ability to function independently. In their basic form, LTSS consist of help with self-care and… , and recognizing the willingness and capacity of family caregivers People who provide long-term services and supports to family members, relatives, friends, and neighbors. Some family caregivers are unpaid; others are paid through government programs, private funds, or long-term care insurance policies. to provide care. States must also ensure that services are offered in a culturally competent and linguistically appropriate manner.
MCO qualifications and standards
Federal and state governments should consider the performance of managed care contractors and providers before entering into contracts. They should:
- consider the performance of potential managed care contractors on standardized quality measures;
- require MCOs to consider the performance of potential subcontracting providers before including them in their networks, and
- ensure that the plans they select to serve Medicaid and/or Medicare Authorized in 1965 under Title XVIII of the Social Security Act, Medicare provides health insurance coverage for people age 65 and older and for some disabled people under age 65. This federal program consists of Part A (Hospital Insurance), Part B (Supplemental Medical Insurance), Part… beneficiaries meet the same comprehensive standards, including a full range of consumer protections, that apply to health plans offered by all other payers.
Choice of plans/coverage options
Federal and state governments should ensure that beneficiaries enrolled in MCOs for Medicare Authorized in 1965 under Title XVIII of the Social Security Act, Medicare provides health insurance coverage for people age 65 and older and for some disabled people under age 65. This federal program consists of Part A (Hospital Insurance), Part B (Supplemental Medical Insurance), Part… , Medicaid, or both, are allowed to change plans or return to Fees-for-Service (FFS) arrangements at any time, whether for cause or because they are not able to obtain needed services from the MCOs. In addition, states should allow dual-eligibles to opt out of managed care altogether if they are not able to get needed services from participating plans. States should also provide participating beneficiaries with a regular opportunity, during open enrollment periods, to review their plan choices and make enrollment changes.
States should either conduct enrollment themselves or use independent third-party enrollment brokers to ensure that beneficiaries are not coerced or pressured to make a particular selection. States should use local Aging and Disability Resource Centers State-operated organizations that serve as a single point of information about, and access to, the variety of long-term services and supports available to older adults and people with disabilities. Also known as No Wrong Door systems. ( ADRCs State-operated organizations that serve as a single point of information about, and access to, the variety of long-term services and supports available to older adults and people with disabilities. Also known as No Wrong Door systems. ) to provide this function when an individual needs LTSS Also known as Long-term Care (LTC), LTSS encompass a broad range of assistance needed by people of all ages who have cognitive or mental impairments and who may lack the physical ability to function independently. In their basic form, LTSS consist of help with self-care and… .
States and the federal government should ensure that dual-eligibles can make reasonable choices about the type of coverage they prefer—either FFS or managed care.
They must not mandatorily enroll beneficiaries in managed care. If managed care is mandated in the Medicaid program or in duals demonstrations, federal and state governments must ensure that a choice of health plan and providers is offered. If beneficiaries are passively enrolled (i.e., they are automatically assigned a plan), there should be sufficient beneficiary protections to ensure enrollees receive the care they need.
Specifically, when dual-eligibles are auto-enrolled into managed care plans for the demonstration project, state and federal governments must ensure that they are counseled and informed of their right to opt out of the demonstration.
Federal and state governments must ensure that dual-eligibles enrolled in an MCO have a reasonable choice of providers.
Benefit coverage
When dual-eligibles are enrolled in managed care for Medicaid and/or Medicare Authorized in 1965 under Title XVIII of the Social Security Act, Medicare provides health insurance coverage for people age 65 and older and for some disabled people under age 65. This federal program consists of Part A (Hospital Insurance), Part B (Supplemental Medical Insurance), Part… benefits, state and federal governments must ensure that all statutorily required benefits are covered by the plan. In addition, both levels of government should ensure that dual-eligibles have access to comprehensive LTSS Also known as Long-term Care (LTC), LTSS encompass a broad range of assistance needed by people of all ages who have cognitive or mental impairments and who may lack the physical ability to function independently. In their basic form, LTSS consist of help with self-care and… .
State and federal governments should ensure that benefits and services address individual medical, LTSS Also known as Long-term Care (LTC), LTSS encompass a broad range of assistance needed by people of all ages who have cognitive or mental impairments and who may lack the physical ability to function independently. In their basic form, LTSS consist of help with self-care and… , language, cultural, and social needs, and that they are accessible to people with disabilities. Both levels of government should ensure that efforts to harmonize Medicare Authorized in 1965 under Title XVIII of the Social Security Act, Medicare provides health insurance coverage for people age 65 and older and for some disabled people under age 65. This federal program consists of Part A (Hospital Insurance), Part B (Supplemental Medical Insurance), Part… and Medicaid preserve beneficiary access to the most protective benefit and due process policies of each program.
Informed choice
States should guarantee that dual-eligibles and, as appropriate, their
family caregivers
People who provide long-term services and supports to family members, relatives, friends, and neighbors. Some family caregivers are unpaid; others are paid through government programs, private funds, or long-term care insurance policies.
or representatives, receive information about all health and
LTSS
Also known as Long-term Care (LTC), LTSS encompass a broad range of assistance needed by people of all ages who have cognitive or mental impairments and who may lack the physical ability to function independently. In their basic form, LTSS consist of help with self-care and…
options for which the beneficiary is eligible (i.e.,
Medicare
Authorized in 1965 under Title XVIII of the Social Security Act, Medicare provides health insurance coverage for people age 65 and older and for some disabled people under age 65. This federal program consists of Part A (Hospital Insurance), Part B (Supplemental Medical Insurance), Part…
and Medicaid services). States must ensure that this information is easy-to-understand, culturally competent, and linguistically appropriate. Federal and state governments must ensure that education, one-on-one counseling on health care options, conflict-free one-on-one counseling for all in need of
LTSS
Also known as Long-term Care (LTC), LTSS encompass a broad range of assistance needed by people of all ages who have cognitive or mental impairments and who may lack the physical ability to function independently. In their basic form, LTSS consist of help with self-care and…
, and relevant materials on participating plans, providers, and community supports are offered to beneficiaries before enrollment in managed care.
States should ensure that beneficiary materials include objective performance information for all participating plans and the providers within their networks, to enable fair comparisons of plans and providers. This information should be made available for FFS providers as well, so beneficiaries can make fair comparisons by coverage type. States should also ensure that consumers receive full information about all providers who participate in each plan’s network.
Continuity of care
To the extent possible, state and federal governments should ensure that MCOs honor beneficiaries’ desire to maintain a continuous relationship with a high-quality provider or health plan. States and the federal government should support this goal by providing necessary data to states and health plans to inform auto-assignments. States and the federal government should ensure that beneficiaries undergoing short- or long-term treatment regimens are assured continuity of care with their current providers if they wish.
If provider changes must occur, state and federal governments should ensure that any transition to new providers is smooth, coordinated, and includes appropriate transfers of records and medication information. States and the federal government should ensure that beneficiaries are held harmless for the cost of any care as they transition to new providers/networks.
Self-directed care
Ensuring quality and value
State and federal governments should ensure that MCOs (including those participating in duals demonstrations) seek to improve the quality and value of care for dual-eligibles by organizing and delivering care in ways that coordinate and improve service delivery, eliminate unnecessary utilization and cost, and promote quality.
State and federal governments should also ensure that:
- Integrating health and LTSS Also known as Long-term Care (LTC), LTSS encompass a broad range of assistance needed by people of all ages who have cognitive or mental impairments and who may lack the physical ability to function independently. In their basic form, LTSS consist of help with self-care and… does not diminish consumer satisfaction;
- MCOs collect and report data on race, ethnicity, and language preference; and,
- New approaches to serving dual-eligibles, like those tested in the duals demonstrations, require robust data collection that can be used to inform regulators about whether they are receiving needed high-quality care (including LTSS Also known as Long-term Care (LTC), LTSS encompass a broad range of assistance needed by people of all ages who have cognitive or mental impairments and who may lack the physical ability to function independently. In their basic form, LTSS consist of help with self-care and… ) in the most efficient, cost-effective manner.
MCO payment structures at the state and federal level should promote the delivery of high-quality care and avoid incentives to deny access to appropriate and effective health and LTSS Also known as Long-term Care (LTC), LTSS encompass a broad range of assistance needed by people of all ages who have cognitive or mental impairments and who may lack the physical ability to function independently. In their basic form, LTSS consist of help with self-care and… services.
State and federal governments should
- financially reward MCOs that attain or improve health care quality and efficiency and penalize poorly performing plans, and
- ensure public access to plan performance information to enable informed consumer choice.
Consumer participation
States should ensure that a broad and diverse representation of stakeholders are actively and meaningfully engaged in the design, implementation, and operation of managed care programs for dual-eligibles, including duals demonstrations.
Oversight and enforcement
States, in partnership with the federal government, must have sufficient capacity to monitor MCO compliance effectively and take corrective action where necessary.
State and federal policymakers should ensure a meaningful MCO oversight role for patients and family caregivers People who provide long-term services and supports to family members, relatives, friends, and neighbors. Some family caregivers are unpaid; others are paid through government programs, private funds, or long-term care insurance policies. , including, but not limited to, opportunities to participate on oversight committees.
State and federal regulators much have the resources needed to conduct robust oversight and enforcement of MCOs to ensure compliance with program requirements.
State and federal governments should require plans and providers to collect and report information that will enable the state and CMS to assess performance and determine if plans and providers meet all contract requirements. This information should be timely and publicly available to patients, consumers, and family caregivers People who provide long-term services and supports to family members, relatives, friends, and neighbors. Some family caregivers are unpaid; others are paid through government programs, private funds, or long-term care insurance policies. .
State and federal oversight of MCOs must be effective, timely, comprehensive, and coordinated among federal and state agencies, independent quality-assurance entities, and other relevant partners, to ensure that participating contractors are performing contracted duties and delivering high-quality services.
States and the federal government must enforce all requirements of managed care contracts with sanctions that are swiftly imposed, consistent with contract requirements, and proportional to contract violations. Enforcement actions, such as sanctions and performance improvement plans, should be timely and fully disclosed to the public.
Disenrollment protections
State and federal governments must have rules to prevent MCOs from encouraging disenrollment by consumers who have complex medical conditions or who require costly care. State and federal governments should view excessive disenrollment as an early warning sign.
State and federal governments should survey beneficiaries at the time they leave an MCO to determine reasons for disenrollment and should monitor MCOs for racial and ethnic disparities in disenrollment.
Performance assessment
State and federal governments should ensure that health plan performance is assessed using standardized measures that are valid and reliable. Measures should assess clinical effectiveness, safety, consumer and family experience, resource use, and efficiency across the continuum of care. Outcome measures are highly desirable (e.g., functional status, quality of life), but structure and process measures (when there is a known relationship to the outcome) may also be used. Establishing meaningful quality measurement uniformly across models and states is important for evaluation, benchmarking, and defining success.
Evaluation of models
Federal and state governments must ensure that all models of care designed to improve quality and reduce costs for duals—including financial solvency—be rigorously evaluated by a national evaluator.
States must ensure that plans provide sufficient baseline data on service utilization, cost, access to services, choice of providers and plans (as applicable), grievance and appeals procedures, quality, and consumer and family experience. States must also ensure that these data are captured after implementation to determine the effect of the demonstration on improving care and lowering cost.
States should have an identified strategy to avoid including the impacts and outcomes of other payment and delivery system reforms and/or demonstrations and initiatives when they perform their duals demonstration evaluations. This will ensure that the results of duals demonstration evaluations are not affected by other demonstrations or initiatives, or that other relevant demonstrations or initiatives are accounted for in the results.
Care coordination
Federal and state governments should ensure the care that dual-eligibles receive through MCOs and other delivery models is coordinated and delivered in a person- and family-centered manner.
The federal and state governments should ensure that Medicare Authorized in 1965 under Title XVIII of the Social Security Act, Medicare provides health insurance coverage for people age 65 and older and for some disabled people under age 65. This federal program consists of Part A (Hospital Insurance), Part B (Supplemental Medical Insurance), Part… Part D and Medicaid prescription drug policies are reviewed to identify any inconsistencies that could be problematic in integrated demonstrations. For example, the prescription drug benefit design should account for non–Part D drugs covered by Medicaid. CMS also should consider modifying or waiving current Part D coverage determinations and appeals policies, to encourage the development of a set of requirements applicable to all benefits.
States should ensure that MCOs are coordinating needed care among all providers and across all care settings to prevent undesirable and costly patient outcomes.
Examples include discharge planning, care coordination throughout care transitions, medication management to deter polypharmacy and dangerous drug interactions, and home- and community-based supports to prevent unnecessary institutionalization.
Needs assessment
States should ensure that MCOs assess the needs of individuals and develop timely care plans (in collaboration with consumers and family caregivers People who provide long-term services and supports to family members, relatives, friends, and neighbors. Some family caregivers are unpaid; others are paid through government programs, private funds, or long-term care insurance policies. as appropriate). If an individual needs LTSS Also known as Long-term Care (LTC), LTSS encompass a broad range of assistance needed by people of all ages who have cognitive or mental impairments and who may lack the physical ability to function independently. In their basic form, LTSS consist of help with self-care and… , states should ensure that assessment and care planning is conducted by the ADRC State-operated organizations that serve as a single point of information about, and access to, the variety of long-term services and supports available to older adults and people with disabilities. Also known as No Wrong Door systems. that serves the individual’s community.
Beneficiary-centered care
States should ensure that all care and services provided to dual-eligibles through MCOs address their individual health care and LTSS Also known as Long-term Care (LTC), LTSS encompass a broad range of assistance needed by people of all ages who have cognitive or mental impairments and who may lack the physical ability to function independently. In their basic form, LTSS consist of help with self-care and… needs and preferences (including a self-directed care option for LTSS Also known as Long-term Care (LTC), LTSS encompass a broad range of assistance needed by people of all ages who have cognitive or mental impairments and who may lack the physical ability to function independently. In their basic form, LTSS consist of help with self-care and… ). States should ensure that service plans assess and address family needs and preferences, especially when the service plan depends on the involvement of a family caregiver People who provide long-term services and supports to family members, relatives, friends, and neighbors. Some family caregivers are unpaid; others are paid through government programs, private funds, or long-term care insurance policies. .
Consumer protections
Policymakers must ensure that dual-eligibles enrolled in MCOs receive the same consumer protections provided to Medicaid beneficiaries in FFS. Where dual-eligibles are enrolled in MCOs for receipt of Medicare Authorized in 1965 under Title XVIII of the Social Security Act, Medicare provides health insurance coverage for people age 65 and older and for some disabled people under age 65. This federal program consists of Part A (Hospital Insurance), Part B (Supplemental Medical Insurance), Part… benefits, they must have access to all consumer protections available through Medicare Authorized in 1965 under Title XVIII of the Social Security Act, Medicare provides health insurance coverage for people age 65 and older and for some disabled people under age 65. This federal program consists of Part A (Hospital Insurance), Part B (Supplemental Medical Insurance), Part… . Where dual-eligibles are enrolled in MCOs for both Medicare Authorized in 1965 under Title XVIII of the Social Security Act, Medicare provides health insurance coverage for people age 65 and older and for some disabled people under age 65. This federal program consists of Part A (Hospital Insurance), Part B (Supplemental Medical Insurance), Part… and Medicaid, federal and state efforts to harmonize consumer protections must defer to the protections of the program that affords the strongest protections.
Federal and state governments should adequately fund and staff independent, unbiased State Health Insurance Assistance Programs, ADRC State-operated organizations that serve as a single point of information about, and access to, the variety of long-term services and supports available to older adults and people with disabilities. Also known as No Wrong Door systems. services, or similar programs to counsel, support, and advocate for dual-eligibles and their family caregivers People who provide long-term services and supports to family members, relatives, friends, and neighbors. Some family caregivers are unpaid; others are paid through government programs, private funds, or long-term care insurance policies. .
All states that enroll dual-eligibles in any form of managed care should have an independent and sufficiently-funded ombudsman Derived from the Swedish word for an intermediary, “ombudsman” as used in health care and long-term care settings is a person who investigates and resolves complaints on behalf of older people who are residents of nursing homes and supportive housing. The complaints generally focus on a… program available to serve them. Where states already have an existing, independent ombudsman Derived from the Swedish word for an intermediary, “ombudsman” as used in health care and long-term care settings is a person who investigates and resolves complaints on behalf of older people who are residents of nursing homes and supportive housing. The complaints generally focus on a… program for Medicaid-managed care, this function should be expanded to include duals demonstrations where applicable. States and the federal government should invest sufficient resources into ombudsman Derived from the Swedish word for an intermediary, “ombudsman” as used in health care and long-term care settings is a person who investigates and resolves complaints on behalf of older people who are residents of nursing homes and supportive housing. The complaints generally focus on a… programs.
States and federal governments should ensure that dual-eligibles who are enrolled in duals demonstrations have meaningful access to the most favorable independent grievance and appeals process afforded to them in either Medicare Authorized in 1965 under Title XVIII of the Social Security Act, Medicare provides health insurance coverage for people age 65 and older and for some disabled people under age 65. This federal program consists of Part A (Hospital Insurance), Part B (Supplemental Medical Insurance), Part… or Medicaid. States and the federal government should ensure that efforts to harmonize Medicare Authorized in 1965 under Title XVIII of the Social Security Act, Medicare provides health insurance coverage for people age 65 and older and for some disabled people under age 65. This federal program consists of Part A (Hospital Insurance), Part B (Supplemental Medical Insurance), Part… and Medicaid result in preserving beneficiary access to the most protective consumer protections available in each of the programs.
States must ensure that Medicaid enrollees in managed care have ongoing access to a meaningful grievance and appeals process, and to a system that allows them to file complaints about problems with a health plan or provider, including challenges to initial or ongoing assessments or service plans.
States must ensure that the grievance and appeals rights are clearly explained to beneficiaries and that beneficiaries have access to easy-to-understand materials that are culturally competent and linguistically appropriate.
States and federal governments must ensure that dual-eligibles enrolled in MCOs—including the duals demonstration enrollees—have processes to protect consumers against the imposition of inappropriate cost-sharing charges, like provider balance billing (see also this chapter’s section on Medicaid Assistance for Medicare Beneficiaries with Low Incomes for information on MSPs A term used to refer collectively to several programs established under federal law to provide additional financial protections (such as assistance with premiums and/or cost-sharing) to low-income Medicare beneficiaries who meet income and asset criteria. The Medicare Savings Programs… .)
To avoid redundancy, states should take strong steps to ensure MCOs selected to participate in their managed care programs meet the same comprehensive standards and quality measures that apply to health plans offered by all other payers. However, given the unique characteristics of dual-eligibles, additional or substitute requirements may be necessary. Standards should include a full range of consumer protections. Plans must include a fair and rapid appeals process in which decisions that incorrectly deny, reduce, or terminate care to beneficiaries may be overturned. Beneficiaries must retain access to all needed services during appeal.
States should adequately monitor contracted MCOs to ensure that they comply with the solvency, quality, and consumer protection standards outlined in the Balanced Budget Act of 1997—including, but not limited to, rules on actuarially sound capitation Capitated payment systems are a type of managed care. They can be used to fund health care, long-term care or both. In a capitated system a managed care organization (MCO) is paid a fixed amount for each person served (often a specific amount per consumer per month) and in turn is… rates, beneficiary education and materials, managed care quality assessment and performance improvement, beneficiary grievance and appeal rights, and other consumer protections.
Limited scope of dual demonstrations
States and federal policymakers should ensure that the duals demonstrations designed to test the integration of Medicare Authorized in 1965 under Title XVIII of the Social Security Act, Medicare provides health insurance coverage for people age 65 and older and for some disabled people under age 65. This federal program consists of Part A (Hospital Insurance), Part B (Supplemental Medical Insurance), Part… and Medicaid services (including the provision of LTSS Also known as Long-term Care (LTC), LTSS encompass a broad range of assistance needed by people of all ages who have cognitive or mental impairments and who may lack the physical ability to function independently. In their basic form, LTSS consist of help with self-care and… ) are reasonably limited in scope.
States and the federal government should ensure that the duals demonstrations are piloted on a limited basis in most cases. When determining the scope of a demonstration, states and the federal government should consider the experience level of the state and its contractors, and the timeframe for implementation. However, states and the federal government should also make allowances for smaller states where the level of enrollment needs to be sufficient to support a meaningful demonstration.
The federal government should not permit states to expand their duals demonstration projects to full scale unless there is evidence from a rigorous, independent evaluation that the demonstration is effective, and that quality and cost-containment goals have been met.
Reinvestment in LTSS
States should use some of the savings from the duals demonstrations to strengthen and improve access to and availability of community-based LTSS Also known as Long-term Care (LTC), LTSS encompass a broad range of assistance needed by people of all ages who have cognitive or mental impairments and who may lack the physical ability to function independently. In their basic form, LTSS consist of help with self-care and… .
Managed FFS
State and federal governments should ensure that managed FFS delivery models provide care coordination services to vulnerable dual-eligibles and that, to the extent applicable, they comply with the policies listed above.
States and the federal government should ensure that strategies used to identify dual-eligibles for care coordination services in the managed FFS demonstrations are periodically validated to adequately indicate those beneficiaries whose quality of care/quality of life would be improved through care coordination.
All of the relevant policies in this Section - apply to the managed FFS demonstrations.