A fear that the government will seize their house after they die is causing some people to not sign up for expanded Medicaid under the Affordable Care Act.

The federal government has tightened the rules regarding reverse mortgages, making it harder for some seniors to get these types of mortgages and reducing the amount of their home’s value that they can tap.

A healthy 55-year-old man can expect to pay $925 annually for $164,000 in current long-term care insurance benefits, according to the 2014 Long-Term Care Insurance Price Index, an annual report from the American Association for Long-Term Car

If a beneficiary disagrees with a coverage decision, there are reconsideration and appeals procedures within the Medicare program, and the likelihood of winning is high.