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Medicaid pays for almost half of all nursing home care. You must meet state income and asset requirements in order to receive Medicaid assistance. You may have to spend down your assets to meet eligibility requirements. Spend down refers to the act of liquidating the assets you own to pay for your Long-Term Care. This means selling your stocks, bonds and other assets. Many people who begin paying for nursing home care out of their own pockets spend down their financial resources until they become eligible for Medicaid. They then turn to Medicaid to pay their nursing home expenses.

Nondiscrimination. A requirement that group health plans not discriminate against you based on your health status. Your coverage under a group health plan cannot be denied or restricted, nor can you be charged a higher premium, due to your health status. Group health plans can restrict your coverage based on other factors (such as part time employment) that are unrelated to health status.