Aryan has been having trouble remembering things lately. One day, she forgot that she had turned on the oven until her daughter came over and asked what she was baking. Aryan decided that it may be time to start thinking about a long-term facility. As she is investigating facilities, she sees the term spend-down mentioned in terms of the cost of the facility. Which of the following is an example of spend-down? a. Medicaid and Medicare reimbursement b. Financial resources c. Telehealth services d. Long term insurance