CDPAP Program in Flux: NY State Budget Changes Unveiled

Explore how NY state budget changes may affect the CDPAP program, impacting caregivers and the elderly.

February 23, 2024

Understanding CDPAP

Before delving into the potential impacts of the NY state budget changes on the CDPAP program, it's crucial to understand the origins, purpose, and key features of the CDPAP.

Origins and Purpose of CDPAP

The Consumer Directed Personal Assistance Program (CDPAP) in New York State began as the Patient Managed Home Care Program (PMHCP) and was elevated to program status and renamed CDPAP in 1995 [1]. This program was established to provide flexibility and freedom of choice in obtaining home care services for chronically ill and/or physically disabled individuals receiving home care under the medical assistance program.

The CDPAP program was introduced with the aim of allowing individuals to have more control over their care, including the ability to choose their caregivers. This could be a family member, a friend, or a hired professional, as long as they meet the program's requirements. The end goal of the CDPAP program was to improve the quality of care provided to individuals while also allowing them to maintain their independence and dignity.

Key Features of CDPAP

Operated as a Medicaid State Plan service in New York State, CDPAP must follow all applicable assessment and authorization processes and policies [1]. The services that may be authorized under CDPAP include tasks provided by a Personal Care Aide, Home Health Aide, Licensed Practical Nurse, or Registered Professional Nurse.

CDPAP is governed by Social Services Law 365-f, and the regulatory authority is located at 18 NYCRR § 505.28. These regulations include a description of the program, eligibility requirements, the assessment/reassessment process, guidelines for determining eligibility and appropriateness for program participation, and roles and responsibilities of program participants, local districts, and the fiscal intermediary.

One of the key features of CDPAP is that the consumer, or the person receiving care, has the authority to recruit, hire, train, supervise, and if needed, terminate their caregiver. This level of control is intended to ensure that the care provided is tailored to the consumer's unique needs and preferences.

In order to understand how the NY state budget changes may affect the CDPAP program, it's important to first grasp the foundational principles and guidelines that shape the program. This understanding will provide a valuable context as we analyze the potential impacts of these changes on CDPAP participants, caregivers, and providers.

NY State Budget Changes

As New York State grapples with financial challenges, adjustments to the state budget are likely to have significant impacts on various programs. One of these programs, the Consumer Directed Personal Assistance Program (CDPAP), is expected to undergo several changes which could affect both participants and caregivers.

Pie chart showing the breakdown new debt authorizations by functional area.
Sources: Division of the Budget; Office of the State Comptroller,

Proposed Alterations to CDPAP

The proposed alterations to CDPAP largely revolve around changes to the eligibility criteria. These adjustments focus on income and asset limits, along with potential changes to age and disability requirements.

Moreover, the NY State budget changes may lead to modifications to covered services under the CDPAP program. This could impact both participants and caregivers involved in the program, as they may need to adapt to a new set of guidelines and service provisions [2].

The proposed budget changes could lead to a significant financial strain on the program, potentially affecting the availability and quality of care for over 90,000 Medicaid recipients who rely on CDPAP services in New York State. These individuals may face challenges in accessing the care they need, leading to disruptions in their daily lives and healthcare routines.

Financial Implications for Caregivers

Changes to reimbursement rates within the CDPAP program may occur as a result of the NY State budget changes. This could affect the financial stability and sustainability of caregivers, who may face reduced income as a result of these changes.

Furthermore, the changes to the New York state budget introduce a profit cap of 1% for CDPAP providers. This measure, designed to contain the escalating costs of the program, could jeopardize the financial stability of small agencies that operate on thin margins. The consequences of this profit cap raise concerns about the sustainability of small entities in the sector, potentially leading to a reduction in service options for vulnerable populations.

Overall, the NY State budget changes have the potential to significantly reshape the landscape of the CDPAP program. As these changes are implemented, it will be crucial for participants and caregivers alike to stay informed and adapt to the evolving circumstances.

Impacts on CDPAP Participants

The NY State budget changes may significantly impact the participants of the Consumer Directed Personal Assistance Program (CDPAP). Two key areas of concern include adjustments to eligibility criteria and changes in covered services.

Adjustments to Eligibility Criteria

In response to the NY state budget changes, several adjustments are being made to the eligibility criteria for the CDPAP program. This includes changes focusing on income and asset limits as well as potential adjustments to age and disability requirements.

The changes may result in adjustments to the income and asset limits for individuals seeking to qualify for the CDPAP program, potentially limiting access to services for some participants who no longer meet the new criteria. Furthermore, modifications in the age and disability requirements for participation in the CDPAP program could impact the availability and eligibility of certain individuals, necessitating exploration of alternative care options.

Eligibility Criteria Current Requirements Potential Changes
Income Limits Varies based on individual circumstances Adjustments to existing limits
Asset Limits Varies based on individual circumstances Adjustments to existing limits
Age Requirements No specific age limit Potential modifications
Disability Requirements Must require assistance with daily activities Potential modifications

Changes in Covered Services

In addition to the changes in eligibility criteria, participants of the CDPAP program may also see modifications to the services covered under the program. These changes could include services no longer being covered and the introduction of new services, impacting the level of care and support participants receive.

Covered Services Current Coverage Potential Changes
Personal Care Covered Possible modifications
Home Health Aide Services Covered Possible modifications
Skilled Nursing Care Covered Possible modifications
Physical Therapy Covered Possible modifications

The NY State budget changes have significant implications for CDPAP participants, potentially leading to limitations in access to services and changes in covered services. It's important for participants and their caregivers to stay informed about these changes and explore alternative care options if necessary.

Impacts on Caregivers

The NY State budget changes have the potential to significantly impact caregivers within the Consumer Directed Personal Assistance Program (CDPAP). These impacts range from alterations in reimbursement rates to the introduction of new challenges for care providers.

Changes to Reimbursement Rates

The NY State budget changes may result in alterations to the reimbursement rates within the CDPAP program. This could affect the financial stability and sustainability of caregivers, potentially impacting their ability to continue providing care.

While the specific changes to reimbursement rates are yet to be outlined, these adjustments have the potential to affect the income of caregivers, and in turn, their livelihood. It's essential for caregivers to stay updated on official guidelines for specific changes to understand how their compensation might be influenced.

Potential Challenges for Caregivers

Alongside changes to reimbursement rates, the NY State budget changes could introduce other challenges for caregivers. If these changes lead to a significant financial strain on the CDPAP program, it could potentially affect the availability and quality of care provided to Medicaid recipients who rely on CDPAP services in New York State.

Such financial strain could result in caregivers having to work with reduced resources, which could impact the level of care they can provide. Additionally, caregivers may face increased difficulty in accessing necessary supports or resources, leading to potential disruptions in their ability to provide consistent and high-quality care.

This is part of Governor Kathy Hochul's efforts to address budget deficits and rein in spending in New York state. While these changes aim to address financial issues at the state level, it's important to consider their ripple effects on caregivers and the individuals who rely on their services.

As these changes progress, it's crucial for caregivers to stay informed and prepared for potential shifts in the CDPAP landscape. Understanding how the NY state budget changes may affect the CDPAP program will enable caregivers to better navigate these shifts and continue providing the best possible care for their clients.

Effects on Smaller CDPAP Providers

The changes in the New York state budget are causing concern among smaller Consumer Directed Personal Assistance Program (CDPAP) providers. These alterations could significantly impact the availability and quality of care for the thousands of New Yorkers who rely on the program.

Consequences for Small Agencies

The proposed alterations to the state budget introduce a cap on administrative costs at 30%, a move that could severely disrupt services for over 40,000 New Yorkers who rely on the CDPAP program. This new constraint could force smaller CDPAP providers to consolidate, limiting the diverse network of agencies that offer CDPAP services.

Moreover, the state budget changes introduce a profit cap of 1% for CDPAP providers. This measure could jeopardize the financial stability of small agencies that operate on thin margins, potentially leading to a reduction in service options for vulnerable populations.

The financial limitations could also trigger job losses in the CDPAP sector, leading to significant disruptions in the workforce that supports thousands of New Yorkers under the program. This could exacerbate existing challenges in the recruitment and retention of caregivers, further straining the system.

Implications for Care Quality

Advocates for individuals with disabilities, older adults, and those with chronic conditions are concerned about the potential reduction in the quality of care due to the budget changes. The cost-containment measures could compromise the personalized nature of care provided through CDPAP, impacting the well-being of recipients.

The potential consolidation of smaller providers and the financial constraints they face could limit the options available to individuals in need of care. This, combined with the potential decrease in caregiver availability due to job losses, could lead to a substantial decrease in the quality and accessibility of care provided through the CDPAP program.

In light of these potential impacts, it's necessary to monitor how the NY state budget changes may affect the CDPAP program, and to advocate for measures that minimize disruptions for both providers and recipients of care.

Looking Ahead

As we anticipate the future of the Consumer Directed Personal Assistance Program (CDPAP) in light of the New York state budget changes, there are key factors to consider. These changes could potentially transform the landscape of care for Medicaid recipients and caregivers alike.

Future of CDPAP Amid Changes

With the proposed changes to the state budget, the future of the CDPAP program is uncertain. The potential financial strain on the program could affect the availability and quality of care for over 90,000 Medicaid recipients who rely on CDPAP services in New York State. These individuals may face challenges in accessing the care they need, leading to disruptions in their daily lives and healthcare routines.

Furthermore, the transition from Medicaid fee-for-service to Medicaid Managed Care plans could further complicate the program's financial landscape. This shift could impact the program's ability to sustain services, potentially resulting in reduced caregiver wages and limitations on the number of hours caregivers can work.

In addition, the introduction of a profit cap of 1% for CDPAP providers could jeopardize the financial stability of small agencies that operate on thin margins. This measure, while intended to contain escalating costs, raises concerns about the sustainability of these entities, potentially leading to a reduction in service options for vulnerable populations [4].

Advocacy Efforts and CDPAP

Given these anticipated changes, advocacy efforts for the preservation of the CDPAP program are paramount. These changes, part of Governor Kathy Hochul's efforts to address budget deficits and control spending in New York state.

As such, individuals, caregivers, and organizations involved in the CDPAP program must continue to advocate for the program's sustainability and the rights of Medicaid recipients and caregivers. These advocacy efforts are crucial in ensuring that the voices of those most affected by these changes are heard and that their needs are met amid the evolving landscape of care in New York State.







Latest Posts

blog image

Tips to Stay Independent as You Get Older

Empower your golden years with our tips to stay independent as you get older. Embrace autonomy!

blog image

Treating Kidney Stones in the Elderly: Innovative Approaches

Discover innovative methods for treating kidney stones in the elderly, from lifestyle changes to medical interventions.

blog image

Top Psychiatrists in New York Who Accept Medicaid

Discover top psychiatrists in New York who accept Medicaid for expert mental health services.

blog image

Must-Have Tools To Help With Urinary Incontinence

Discover tools to help with urinary incontinence, from lifestyle changes to specialized treatments.

blog image

Top Urologists in New York Who Accept Medicaid

Discover top urologists in New York who accept Medicaid. Excellence in urological care is within reach!

blog image

Best Practices for Elderly Diabetes Care

Unravel best practices for elderly diabetes care, from management strategies to dietary considerations.

blog image

The 7 Stages of The Alzheimer's

Navigate the 7 stages of Alzheimer's, from early symptoms to treatment and prevention strategies.

blog image

Taking Care of a Relative with Cancer

Navigate the journey of taking care of a relative with cancer - from managing medications to offering emotional support.

blog image

Support Groups for Individuals with Disabilities

Explore the emotional and practical benefits of support groups for people with disabilities.

blog image

Quotes on Taking Care of Elderly Parents

Find inspiration in taking care of elderly parents quotes, helping you navigate caregiving with love and patience.

blog image

Taking Care of Grandparents with Confidence

Master taking care of grandparents with our practical guide – from safety tips to combating isolation.

blog image

Revealing the Signs of Patient Abuse

Decode the signs of patient abuse, from physical red flags to changes in behavior. It's time to act!

blog image

Taking Care for Elderly Patients with Muscle Weakness

Master the art of taking care of elderly patients with muscle weakness. Explore therapy, nutrition, and lifestyle tips.

blog image

Engaging Sit Down Games for Elderly Entertainment

Discover engaging sit down games for seniors that boost health, stimulate the mind, and foster social interaction.

blog image

Unforgettable Things to Do in Ithaca, NY

Discover the top things to do in Ithaca, NY—culinary delights, scenic trails, wineries, and cultural gems await!

blog image

Essential Stress Management for CDPAP Caregivers

Master stress management as a CDPAP caregiver. Learn to balance care duties and self-care effectively.

blog image

Taking Care of Sick Parents with Empathy

Navigate the journey of taking care of sick parents with our practical tips, empathy, and understanding.

blog image

Conquering the Challenges: Overcoming Sick Spouse Stress

Navigate 'sick spouse stress' with expert tips to manage caregiver burnout and find the right support.

blog image

The Importance of Medication Management

Discover the importance of medication management: boost therapeutic outcomes and reduce hospitalizations.

blog image

CDPAANYS: Transforming Elderly Care in New York State

Discover how CDPAANYS is revolutionizing elderly care in New York with insightful services and initiatives.

blog image

About Spending Down Assets to Qualify for Medicaid in NY

Master the art of spending down assets to qualify for Medicaid in NY with our comprehensive guide.

blog image

A Comprehensive Stroke Care Plan for CDPAP Caregivers

Master stroke care with our comprehensive guide tailored for CDPAP caregivers. Enhance patient wellbeing today.

blog image

Surprising Things Old People Do for Fun

Discover surprising things old people do for fun, from bird watching to arts and crafts. The magic of age!

blog image

10 Must-Know Factors Before Starting CDPAP

Starting CDPAP? Discover key factors for eligibility, responsibilities, and ensuring quality care.

blog image

Things Happy Seniors Do Every Day

Discover the things happy seniors do daily. Boost your mood with gratitude, exercise, and social activity!

blog image

The Impact of Social Security Caregiver Pay

Discover the impact of social security caregiver pay, and how it can provide financial relief for caregivers.

blog image

Special Needs Caregiver: Challenges, Support & Impacts

Gain essential insights into the life of a special needs caregiver: the challenges, support, and impacts.

blog image

Social Security Caregiver Pay in Nevada

Discover how to navigate social security caregiver pay in Nevada. Learn about benefits, eligibility, and more.

blog image

The Ultimate Guide to Senior Housing Options in NYC

Explore senior housing options in NYC, from independent living to affordable programs. Your ultimate guide!

blog image

Senior Services That Medicaid Will Pay For

Discover the services that Medicaid will pay for and how to access them, empowering seniors nationwide.

blog image

Senior Centers in New York Extend a Helping Hand

Explore senior centers in New York, their services, challenges, and future. Embrace the golden years with a helping hand.

blog image

Top Senior Centers in Buffalo

Discover the top senior centers in Buffalo, offering wellness, independence, recreation, and volunteer opportunities.

blog image

Sandwich Generation: A Guide for Today's Caregivers

Navigate the challenge of the sandwich generation with our guide on balancing caregiving responsibilities.

blog image

Effective Self Help for the Elderly

Empower golden years with self help for the elderly. Discover tools, social networks, and training for thriving senior life.

blog image

Risk for Fall Care Plans for the Elderly

Discover risk for fall care plans for the elderly to prevent falls, enhance safety and improve quality of life.

blog image

Pneumonia in the Elderly: A Comprehensive Guide for CDPAP Caregivers

A vital guide for CDPAP caregivers tackling pneumonia in the elderly. Learn symptoms, treatments, and prevention.

blog image

Tasty and Simple Recipes for the Elderly

Discover tasty and simple recipes for the elderly, adapted for dietary needs and preferences.

blog image

The Impact of Physical Therapy on Elderly Well-being

Discover how physical therapy for the elderly boosts mobility, manages chronic conditions, and enhances life quality.

blog image

Qualifying for CDPAP - Your Path to Freedom

Unlock your path to freedom by qualifying for CDPAP. Learn about the process, benefits, and recent changes.

blog image

Personal Care Assistant Comprehensive Guide

Navigate elderly caregiving with our personal care assistant guide - from daily tasks to career growth.

blog image

How Pets Benefit the Elderly

Discover how pets for the elderly enhance social support, physical activity, and mental health.

blog image

Personality Changes in the Elderly

Unravel the truth about personality changes in the elderly, their causes, and coping strategies.

blog image

The Best Personal Alarms for Elderly Protection

Explore the best personal alarms for elderly, enhancing safety and independence with cutting-edge technology.

blog image

Osteoporosis Care Plan: Specific Nursing Care and Diagnosis

Craft your osteoporosis care plan with confidence: from early diagnosis to lifestyle modifications and treatments.

blog image

Pcs Program in Nevada: A Lifeline for Seniors

Explore the PCS program in Nevada, a lifeline for seniors, its eligibility, services, and impact.

blog image

The Role of Medicaid Lawyers

Discover how Medicaid lawyers can streamline the application process, protect assets, and more.

blog image

Medicaid in Syracuse: A Comprehensive Guide for Seniors

Navigate Medicaid in Syracuse with confidence! A comprehensive guide for seniors to understand eligibility and apply.

blog image

Medicaid Services in Syracuse: Your Key to Quality Elderly Care

Unravel Syracuse Medicaid services for quality elderly care: eligibility, benefits, and coverage nuances.

blog image

How Medicaid Covers Prescription Costs

Unravel the complexities of Medicaid prescriptions and understand their impact on your healthcare costs.

blog image

Medicaid Programs for New York Seniors

Navigate Medicaid programs for New York seniors, from eligibility to benefits, for secure elderly care.

blog image

Securing Vital Support: Unveiling the World of Medical Equipment Loans

Discover how medical equipment loans can transform patient care and foster healthcare innovation.

blog image

Benefits of Medicaid for the Elderly in Buffalo

Discover the benefits of Medicaid in Buffalo, aiding the elderly and caregivers. Navigate eligibility, services, and more.

blog image

Medicaid Benefits Available to Nevada Residents

Unearth the rich Medicaid benefits available to Nevada residents, from healthcare to special programs.

blog image

Medicaid in Monroe County

Explore Medicaid in Monroe County, from eligibility to application. Unlock access to healthcare!

blog image

Is CDPAP on the Verge of Closure?

Is CDPAP closing? Unveil the truth about its future and the impact on elderly care in the US.

blog image

Understanding Medicaid in Nassau County

Empower seniors with key insights on Medicaid in Nassau County, from eligibility to COVID-19 impacts.

blog image

Medicaid in Onondaga County for Elderly Care

Unlock the potential of Medicaid in Onondaga County for elderly care - benefits, application, and future trends.

blog image

Medicaid Covered Hearing Aids in Pennsylvania

Unravel the mystery of Medicaid covered hearing aids in PA. Get the sound advice you need now!

blog image

Medicaid Covered Hearing Aids in New York

Discover how to access Medicaid covered hearing aids in New York. Understand eligibility, limitations, and more.

blog image

The Key to Medicaid Cards in NY

Unlock the power of Medicaid cards in NY: from application to renewal, discover your healthcare rights.

blog image

Low-Income Housing in Buffalo, New York

Explore affordable options for low-income housing in Buffalo, New York, and secure a safe, comforting home.

blog image

Embracing Managed Long Term Care (MLTC) in NY

Discover the benefits and future of managed long term care (MLTC) in NY, your guide to smarter elderly homecare.

blog image

Medicaid Benefits Available for New York Residents

Unravel the complexities of Medicaid benefits available for New York residents in this comprehensive guide.

blog image

Medicaid Application in NY: Your Path to Elderly Homecare

Navigate the Medicaid application NY process for elderly homecare with our expert guide.

blog image

The Katz Index of Independence in Activities of Daily Living

Explore the Katz Index of Independence in ADL, a tool to assess elderly capabilities for optimal care planning.

blog image

Finding Low Income Housing in Rochester

Discover a ray of hope with our guide to finding low income housing in Rochester. Secure a better future!

blog image

Kidney Stone in the Elderly: Symptoms, Treatment & Prevention Strategies

Decoding kidney stone symptoms in elderly - a comprehensive guide to detection, treatment, and prevention.

blog image

Skin Integrity in Older Adults: Maintaining Healthy Aging

Discover the importance of skin integrity in older adults and strategies for maintaining ageless skin health.

blog image

Inspirational Quotes to Lift Up Caregivers

Discover powerful inspirational quotes for caregivers, uplifting words to fuel your strength and resilience.

blog image

Discover How You Can Age Successfully

Discover how you can age successfully! Unleash the power of exercise, nutrition, and social connections.

blog image

Immediate Need CDPAP: A Lifeline for Elderly Care Seekers

Grasp 'immediate need CDPAP', a quick access lifeline for elderly care. Learn eligibility, benefits, and process.

blog image

Effective Guidelines for Hypertension Management in the Elderly

Gain insights on managing hypertension in the elderly with effective guidelines for a healthier life.

blog image

How to Treat Cholesterol in the Elderly: Powerful Treatment Methods Revealed

Discover how to treat cholesterol in the elderly with lifestyle changes, medication, and regular monitoring.

blog image

Learn How to Walk with a Walker

Master the art of mobility! Learn how to walk with a walker, ensuring safety and freedom in daily life.

blog image

How to Treat Diarrhea in the Elderly with Ease

Learn how to treat diarrhea in the elderly effectively, from food choices to medications. Improve their comfort!

blog image

How to Qualify for an HDFC Coop as a Low-Income New Yorker

Learn how to qualify for a HDFC coop as a low-income New Yorker and unlock affordable housing options.

blog image

How to Protect Your Assets From Medicaid: Unlocking Wealth Protection

Discover how to protect your assets from Medicaid, from trusts to asset transfers, and maintain your wealth.

blog image

How to Overcome and Thrive if You’re Living with a Disability

Discover how to overcome and thrive if you’re living with a disability - your untapped potential awaits!

blog image

How to Prevent Bedsores and Promote Healing: The Ultimate Guide

Learn how to prevent bedsores with a comprehensive guide on repositioning, nutrition, and skincare.

blog image

How to Practice Self-Care as a Caregiver: Techniques & Support

Discover how to practice self-care as a caregiver, from setting boundaries to seeking professional support.

blog image

How to Quit a Caregiving Job with Confidence

Learn how to quit a caregiving job confidently, addressing emotional, financial, and legal aspects.

blog image

How to Safely Manage Fever in the Elderly: A Guide

Discover how to manage fever in the elderly effectively, ensuring safety through accurate measurement and care.

blog image

How to Improve Leg Circulation in the Elderly

Boost wellbeing by learning how to improve leg circulation in the elderly with practical, easy steps.

blog image

How to Motivate and Inspire an Elderly Person

Discover how to motivate an elderly person with engaging activities and independence-boosting strategies.

blog image

How to Get Power of Attorney for an Elderly Parent

Learn how to get power of attorney for an elderly parent and navigate legal processes with confidence.

blog image

Powerful Ways to Help Someone Stop Smoking

Discover powerful strategies on how to help someone stop smoking, from medications to support systems.

blog image

How to Get Paid as a Caregiver for a Family Member with Disability

Learn how to get paid to take care of a family member with disability - your step-by-step guide to resources.

blog image

How to Fire a Caregiver: A Practical Guide

Navigate the difficult process of how to fire a caregiver with our practical, respectful guide.

blog image

How to Get Long-Term Care with CFEEC

Unlock the steps on how to get long-term care with CFEEC for maximizing elder care services.

blog image

How to Build a Great Caregiver Resume

Master how to build a great caregiver resume with our guide. Unleash new opportunities in caregiving!

blog image

How to Access Low-Income Housing in Albany, NY: The Ultimate Guide

Navigate Albany's low-income housing with ease. A comprehensive guide to affordable living solutions.

blog image

Vital Tips for Heart Attack Prevention

Secure your heart's future with our guide on heart attack prevention, from nutrition to lifestyle tips.

blog image

How a PCS Aide Can Help With Depression Care Plans

Discover how a PCS aide can help with a depression care plan, from daily activities to mental health outcomes.

blog image

Frequency of Grandparent-Grandchild Interaction

Explore how often grandparents should see their grandchildren for optimal emotional and social benefits.

blog image

Home Health Aide (HHA) Caregiving Guide

Navigate your caregiving journey with our comprehensive home health aide (HHA) guide. Learn, empower, and care better.

blog image

Handicap Parking in New York: The Ultimate Guide

Navigate handicap parking in New York with ease. A comprehensive guide for permits, laws, and accessibility.

blog image

Health Care Proxy Laws in New York: What You Should Know

Navigate New York's health care proxy laws and make informed decisions for your loved ones' care.

blog image

How to Apply for Medicaid in NY

Unlock affordable healthcare with our easy guide on how to apply for Medicaid in NY.

blog image

Hallucinations in the Elderly: Causes & Management Strategies

Unravel the causes of hallucinations in the elderly and learn strategies to manage this mystery.

blog image

Guide to Applying for Nevada Medicaid

Nevada Medicaid application made simple. Unlock access to healthcare benefits with our guide.