State RegulationsNY specificDifficulty 1/5
Under the New York State Partnership for Long Term Care, when a Partnership policyholder needs long-term care, which coverage pays first?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under Reg 144 (11 NYCRR Part 39), a Partnership policy is the primary payer: its benefits are used first, and only when they are exhausted does Medicaid step in to continue the care - with the asset disregard then protecting assets equal to what the policy paid. The sequence is the whole design: private dollars bear the early cost of care, and Medicaid remains the payer of last resort.
Why the other options are wrong
- B) Medicaid is the payer of last resort under the program, not the first; the private policy's benefits must be used before Medicaid begins.
- C) There is no cost-sharing split from day one; the policy pays until its benefits run out and Medicaid takes over from there.
- D) The policy is primary coverage, not excess coverage that responds only to Medicaid denials.
Memory hook
Private policy first, Medicaid second - that is the Partnership queue.