Here’s a brief youtube video posted by the Pacific Research Institute that makes me chuckle.

With humor, it concisely points out the glaring Medicaid loopholes that are being abused by the American middle class.

Medicaid, a program established for the indigent and handicapped, pays for approximately half the long-term care in the US.

This video explains how middle class people can “game the system” and get Medicaid to pay for long-term care. With proper legal guidance, it’s just not that difficult.

This is a big reason why sales of long-term care insurance (LTCi) languish. Even though Medicaid-paid care usually takes place in under funded nursing homes, many Americans are seduced into getting the government to pick up the tab via Medicaid.  Why spend money on LTCi premiums, they reason, even though LTCi gives a full spectrum of choices and options far more appealing than a Medicaid facility? 

I have two questions for these people.  First, how much longer do they think government funded Medicaid will pay for the care of people who are not really indigent?  Second, why would anyone choose to wait until they need care to discover the difference between a Medicaid funded facility and the luxury of a facility funded via LTCi?