Will Federal Medicaid Changes Affect Colorados Long-Term Care Medicaid? Heres the Answer President Trumps One Big Beautiful Bill (OBBBA) certainly includes far-reaching revisions to Medicaidcuts to provider taxes, new work requirements, tighter eligibility checks, and billions in savings over a decade. But Colorados long-term care Medicaidcovering nursing homes, home health, and other LTSS (long-term services and supports)has unique state safeguards that ensure it remains insulated from these changes. 1. Federal Cuts Mostly Affect Expansion and Non-Elderly AdultsThe OBBBAs primary targets are Medicaid expansion, non-disabled adults, and children, via work requirements and cost-sharing policies. These reforms are expected to phase in during 20272028. In contrast, long-term care beneficiariestypically seniors and people with disabilitiesfall under separate eligibility categories that the bill doesnt restructure. 2. States Can Shield Long-Term Care FundingColorado funds long-term care services through its Medicaid waiver system. The OBBBA reduces providers taxes and places new caps on expansion enrollment, but it does not limit waivers for nursing homes or home- and community-based services. Even without adjusting, Colorado can preserve funding by prioritizing these essential services over general expansion. 3. Colorados Bipartisan Commitment to Aging ServicesColorado has a long-standing commitment to supporting seniors and people with disabilities. In recent years, the state has steadily increased its share of state funds to match or exceed federal contributions, especially for the elderly population. With broad political consensus, any state-level attempt to curtail waivers would be unlikely. 4. Historical Stability Through Waiver ProtectionsSince implementing the Home- and Community-Based Services (HCBS) Medicaid waiver in 2004, Colorado has used it to support aging in place and reduce institutional costs. These waivers have remained stable across administrations and funding changes. Theres no indication that Trump-era reforms would dismantle this proven framework. 5. National Context Supports StabilitySources like KFF confirm that while OBBBA cuts the Medicaid expansion rate from 90% to 80%, and imposes red tape on enrollment, it does not overhaul LTSS (long-term services and supports). Even health-policy experts acknowledge the targeted nature of the reformfocused on non-elderly groups, not those needing long-term care. Bottom Line for Coloradans Trumps Medicaid changes will significantly affect parts of the system serving non-disabled adults, especially in expansion states. But Colorados long-term care Medicaiddriven by federal waivers, state obligations, and a bipartisan mandatestands apart. Residents access to nursing home care, home-based services, and support for people with disabilities is not at risk.
The rising cost of senior care can come as a shock to many families. Whether your loved one wishes to age in place, transition to assisted living, or explore memory care options, having a financial plan in place is critical to ensuring quality care without unexpected burdens. Planning ahead provides families with more options, greater peace of mind, and the ability to align care decisions with long-term goals.First, its important to understand the typical costs of various types of care. According to Genworths most recent Cost of Care Survey, the national median monthly cost for assisted living is over $4,500, while in-home care can cost between $25 and $30 per hour. These figures vary by region, and services like memory care or skilled nursing can cost significantly more. This makes early planning essential.Families should begin by assessing current income, savings, and assets. Does your loved one have a retirement plan or long-term care insurance? If not, consider whether existing resources could be stretched to cover care with support from public programs. Some seniors may qualify for benefits like VA Aid and Attendance, which helps veterans, and their spouses pay for personal care services. Others might eventually become eligible for Medicaid, which can help cover nursing home or in-home support if income and asset limits are met. Its also important to know that Medicare typically does not cover long-term care, only short-term rehab or skilled nursing following a hospital stay.Working with a financial advisor or elder law attorney can help families build a strategy that factors in care needs, housing, and estate planning. The National Council on Aging offers excellent resources, including the BenefitsCheckUp tool, to help seniors identify financial aid and local services. When financial planning is approached with care and clarity, it not only protects assets it protects dignity and choice for your aging loved one.If you have any questions, please call us at 303-957-2555.
Personal care companionship is more than just help around the houseits a relationship built on trust, kindness, and presence. For many seniors, its the key to aging with dignity, maintaining meaningful connections, and continuing to live life on their own terms. Here are some of the benefits of hiring a personal care company. Enhanced Emotional Well-beingLoneliness and isolation are major issues for many older adults. A companion provides regular interaction and someone to talk to, helping reduce feelings of sadness, anxiety, and depression. Having a trusted person who genuinely listens and engages in meaningful conversations can uplift spirits and provide a much-needed emotional boost.Improved Safety and SupportCompanions assist with mobility and can help prevent falls and ensure that daily routineslike taking medication or preparing mealsare done safely. This added layer of attention is especially beneficial for individuals with mild cognitive decline or physical limitations.Maintained IndependenceSeniors often want to remain in their own homes as long as possible. Personal care companionship supports this goal by providing help without taking away a sense of control. Companions encourage independence while offering just enough support to make life easier and more manageable.Family Peace of MindKnowing a loved one is not alone and being cared for by a compassionate companion brings enormous relief to family members. It allows families to focus on enjoying their time together rather than worrying about day-to-day tasks or safety concerns.Encouragement of Healthy HabitsA companion can motivate seniors to stay active, eat well, attend medical appointments, and keep up with social or spiritual activities. This consistent encouragement helps promote physical and mental health over time.Cognitive Stimulation Through games, conversation, reading, and storytelling, companions help keep the mind engaged. This can be especially helpful for seniors living with early signs of dementia, as routine mental stimulation has been shown to slow cognitive decline.