Long-Term Care Cost & Nursing Home Rating Watch

Why this is recommended

A rating downgrade before signing a contract, a 40 percent long-term care premium increase with a benefit reduction option, or a Medicaid eligibility change before a spend-down each turns on money far beyond the fee.

What the Tab covers

Who it is for

The 53 million family caregivers and the adults planning for a parent's or their own care, where a private room averages $116,000 a year.

When it runs

CMS updates Care Compare ratings monthly, long-term care insurers file rate increases year-round, and state Medicaid eligibility limits change January 1

Scope

CMS Care Compare and enforcement data; state health department inspection results; Genworth and CareScout cost surveys; state insurance department rate approvals for Genworth, John Hancock, Mutual of Omaha, Northwestern Mutual and others; state Medicaid eligibility rules; facility operator bankruptcies and closures

Suggested task

The objective your Tab starts with. You can edit every line of it once the Tab is yours.

CMS nursing home rating changes, special focus facility listings and enforcement actions by name, assisted living and home care cost surveys by state, long-term care insurance rate increase approvals by carrier and state, Medicaid long-term care eligibility, look-back and spousal impoverishment limit changes, staffing rule changes, and facility closures and bankruptcies, with the facility or carrier first.

Track long-term care for US families. Report only confirmed, source-backed items from the last 7 days: CMS Care Compare star rating changes, special focus facility listings, immediate jeopardy citations and civil penalties over $50,000 with facility names; state inspection results with serious findings; assisted living, nursing home and home care cost survey updates by state; long-term care insurance rate increase approvals by carrier and state with the percentage and any benefit reduction options; state Medicaid long-term care income and asset limits, look-back and spousal impoverishment changes with effective dates; federal and state staffing rule changes; and facility closures, bankruptcies and ownership changes with resident counts. Prefer CMS, state health and insurance departments, court filings and established cost surveys; ignore facility marketing. Put the facility, carrier or state first in the title. Use high severity for a special focus listing, a premium increase over 25 percent, a closure with a move-out deadline, or a Medicaid limit change. Return no more than 6 findings. Push each as a finding with a title, a two-sentence summary, sections for what changed, who it affects, the deadline, what to do, and the source link. If nothing qualifies, push nothing and submit the run receipt.