Survey says why insurance with home care benefit is popular
More older women get home-based care for chronic health issues than men, reveals an American Association for Long-Term Care Insurance (AALTCI) study.
According to the study, 60 percent of home care recipients were women. In the same group, over 80 percent were 75 years or more than that. The survey, which was conducted by the association through a one-week period in March, had 1,000 men and women respondents.
“The large majority of both men and women home care recipients were over the age of 71 and most received care for three days a week or less,” according to Jesse Slome, executive director of AALTCI. 66 percent (two-thirds) of women received care at home for three days a week or less, while less men (49 percent) made use of the same service in the same frequency.
The AALTCI study also found the cost of home care services to be around $20 per hour. However, this varied depending on the type of service required and the location. “Someone requiring care three days a week for six hours a day is looking at a cost between @20,000 and $25,000 annually, which is why individuals increasingly buy long-term care insurance with a home care benefit,” says Slome.
“Most people wrongly associate long-term health care with skilled nursing facility when the vast majority of care takes place at home,” pointed out Slome in an earlier interview. Today more and more people prefer getting treatment for chronic and age-related conditions right in the comfort of their own homes, added Slome.
“People do require long-term care services at younger ages typically as a result of accidents or illnesses,” noted Slone. As a matter of fact, a large majority (90.7 percent) of long-term care insurance claims start at age 70. Among women below 64 years, about 20 percent received care for seven days a week, while 40 percent required care five days each week. A mere 25.3 percent of women aged 82 required care for five days a week or even more.
According to the National Association for Home Care & Hospice, about 7.6 m people are recipients of home-based care today, usually as a consequence of an acute illness, long-term health condition, permanent disability or terminal illness. Annually, the federal government spends $60 billion for home health care.…
Survey says why insurance with home care benefit is popular
The other day an acquaintance from England contacted me and didn’t understand the issues concerning ObamaCare and wondered what was the controversy all about, and he asks; “President Obama’s health care proposals – from this side of the Atlantic, I say ‘what’s all the fuss’?”
Simple, our constitution will not allow the government to make us purchase something from a business or set of businesses, or allow the government to create a monopolistic relationship with business. In this case “health insurance” companies and the government is using the “commerce clause” ruling to pretend it’s okay, but that excuse or debating point holds no water.
One of the reasons this is even is even an issue or in the Constitution is due to the East India Trading Company and how the colonists were made to pay taxes and other duties and East India Trading Company was exempted, this undercut the local tea merchants, then there was a boycott, as the East India Trading Company had a clear advantage.
When the colonists boycotted, the King figured out other ways to collect tax, which led to the Townsend Act, “Boston tea party event” and eventually the Revolutionary War, where your ancestors and mine fought and died over it. This is why the framers in our constitution put things like that in there to prevent a mandated causation for citizens to buy something. That is one of the issues.
There are many others, such as corporate lobbyists are racking in billions – Big Pharma, medical equipment, health insurance, etc. And the problem is that Health Care costs have risen 5% year-over-year for a decade, it is a runaway cost situation due to several issues, one of which is litigation – thus malpractice insurance costs have increased for doctors, this is passed onto the patients and insurance companies.
The doctors trying to avoid lawsuits are ordering more unnecessary tests, procedures (defensive medicine from lawsuits) just in case, and all those increased costs are indeed billed to the tax payer. Obama is a lawyer, and a democrat, and they purposely didn’t fix the runaway litigation costs issues. We have a very strong trial lawyers lobby. And they protect their interests, and sue in case they think they aren’t going to have these lucrative malpractice cases, which they are now receiving insanely high monetary awards.
And, businesses cannot afford to cover their workers, so they’ve stopped hiring, stopped expanding, and we have high-unemployment because of it now, with no end in sight. Small Businesses can’t afford it, now health insurance has skyrocketed due to the above issues I mentioned, up 40% for me since ObamaCare plan came into play.
Also Obama’s Administration along with the democrats fudged the OMD, CAO, GAO accounting numbers, pretended it was fiscally viable, it’s not, not even a little bit, and we are seeing the increases, it’s killing the middle class, and if we keep all this up, we’ll be just like you are in England; super high taxes, crappy medical care, waiting lines, and lower quality of life and standard of living. Besides that, the whole concept is socialist driven, and it doesn’t fit with America’s ideals.
It’s a bad plan, it has to be scrapped, it won’t work, period.
The Democrats also cheated the system when they rushed through the legislation, they lied to the people, and most of those who voted for the bill, didn’t know what was in it. It’s garbage, complete nonsense, so ObamaCare Needs to go.
And to top it all off the states will go broke under the ObamaCare provisions, they can’t afford it. In fact, there was an interesting article (an op-ed piece) on that fact the other day in the Wall Street Journal titled “The States Can’t Afford ObamaCare – Their Budgets will be Crushed by the Medicaid Expansions that the Feds are Forcing on Them,” by George Mellon, published on February 4, 2011. It’s worth reading. Well, I hope you will please consider all this.…
No matter what else is happening with the U.S. economy, health care costs seem to keep going up. In 1960, health care cost was 5% of the Gross Domestic Product (GDP). By 2000 it was 13% and is now up to 16%. The annual per capita cost is $7026.
These are both the highest in the industrialized world. But we are 34th in life expectancy and 29th in infant mortality among nations of the world. Are we getting our money’s worth? Some experts now say as much as half of the money spent on medical care does nothing to improve health. Single-payer health care has the government paying everybody’s medical bills.
We’re not looking at single-payer any time soon. We currently go through insurance companies, and the incoming administration is not going to change that, although they do plan an option for uninsured people. Employer health plans usually don’t pay all employee health care bills, with the average worker kicking in $3281/yr from the paycheck for family coverage.
On average, a family policy bought directly from the insurance company is over $12,000 a year. Since 2001, premiums have gone up 78%, though wages have only increased by 19%. Some projections have health care as 20% of GDP by 2017. We can’t afford this, either individually or as a society. One reason we don’t go to a single-payer system is to keep the insurance companies in business.
They can repay the favor by helping to get costs under control. Drugs are over-priced, over-prescribed, and over-advertised. Pharmaceutical companies can do their part to lower medical costs. The medical establishment has a lot of work to do here too. Now let’s look at what we as patients can do along with the doctors to bring costs down. It’s important to get medical care early in an illness, when it can be treated more easily, and to get regular check-ups.
On the other hand, you don’t have to run to the doctor for everything. (If in doubt, call or visit the doctor. Don’t take chances.) Most of the conditions people see doctors for will get better by themselves. Let a cold run its course. Don’t go demanding some sort of medicine that will cut it short by a day or two. If you have a mild ankle sprain that no longer hurts after a couple of days, it’s not necessary to demand an MRI and physical therapy.
And don’t bother asking your doctor if every drug you see advertised is right for you. There’s a lot of talk from politicians about disease prevention, but it usually refers to stopping smoking and getting appropriate medical tests to identify diseases early. These are important, but you don’t have to demand tests for any conceivable illness. Many tests are not always accurate, and may have side effects. But the most important preventive measure, which does not get nearly the exposure of the “obesity epidemic,” is dealing with the inactivity epidemic. In 1998 only 31% of the population reported doing regular exercise, and the percentage hasn’t improved.
Eat right, work out, don’t smoke, and keep on your representatives to reform the health care industry. Whether you agree with the public health option or not something must be done to contain upward spiraling healthcare costs. We can’t afford not to do something about it now.…
One of the most affected industries regarding the new health care reform is with biotechnology. One of the many provisions in the new health care reform bill is to reduce the prices of the medical prescriptions charged to Medicare and Medicaid. This will hurt the biotechnology industry because the research for new medication is very expensive and tedious work.
The size of the impact to the biotech industry is beginning to be realized and the health insurance providers are starting to resort to eliminating new medication, in favor of the more traditional medications of years ago. Since it takes time for the pharmaceutical companies to exhaust their patents on new health care medication, the health insurance industry is turning away sooner than what was originally expected.
This will translate into less medical prescriptions for the medical healthcare provider and the individual to choose. Many of the medical health care prescription medications we have on the market today are slowly disappearing as the pharmaceutical demand for them are dwindling by the millions.
The losses to the biotech industry is becoming evident and many of the staff are deciding how much longer they will continue with the companies. The provisions, suppliers, health insurance industry, and supporters are no longer able to offer high finances to continue the funding of current projects.
What will this mean for you and your family members? This will mean the health insurance industry will have more control over what you are able to purchase unless you have the monetary means to pay for a given medical prescription out of pocket. It always comes down to what is affordable and what is not affordable.
Many individuals who suffer with orphan diseases will find they will no longer have access to the medication they so desperately need. The funds are drying up because of the new health care reform bill and the prescription medication for the orphan diseases will dry up. This is because as funding dwindles, the money that remains will be focused on the more popular diseases.
This will sadly leave many individuals with a government-run health insurance policy without the necessary health care they require. How will a medical health care physician have the ability to identify and help a patient with an orphan disease when there is no prescription medication to keep it maintained?
This will leave millions of individuals to be forced to take care of themselves the best they are able and pray for better days in the future yet to develop. How sad for the families with children who need health care treatment. Where will they go? Whom will they turn to?…
A good friend of mind recently commented that his own kids and their friends are a lot less materialistic than our generations were, and that numerous surveys show that Millennials don’t want their jobs to interfere with their family or social life. He went on to say that, “Some say this is laziness, I tend to believe that Millennials have their priorities a little better aligned than their parents and grandparents.”
These kids, I believe, are smart, and cognizant of their challenge in America. With social programs being dismantled and safety nets disappearing, they will be on their own, which means that unless they are capable of making lots and lots of money, maybe making it into the top ten percent of wage earners, they will not be able to keep their heads above water, or even afford basic health care which will skyrocket in the near future. Why struggle to save money all your life when the first serious illness means that a hospital or doctor will sue you and take your home and life savings? The enthusiasm to become a part of this is shrinking.
Then there is saving for their kid’s college, and they just can’t see how they are going to afford all of this. And how about retirement? Reagan with his reckless tax cuts partnered with Greenspan to loot the social security fund when his deficits got out of control, and now the fund is going broke, and many want to dismantle it calling it socialism.
So the Millennium kids can look forward to either fending for themselves in old age, or living with their kids, which in independent America doesn’t work too well. So instead of a peaceful old age with Social Security, which this country once promised and which we all paid into all of our lives, and which then was stolen from us, they can look forward to constant struggle and stress to pay for health care, drugs, and food just as their body begins to fall apart and they can no longer work.
In the news recently, doctors are dropping patients unless they pay the doctors $1500.00 a year just to see them. This includes no tests, no hospitalization, no catastrophic coverage, only a chance to see a boutique doctor. This means that in the near future, we will need both an insurance policy plus $1500/year for a doctor. Medicare and Medicaid patients will be left out in the cold.
But there are alternatives for young adults and their futures.
Presently, it’s all about money from every angle of society, more and more money is needed, but there is only so much money with the pile slowly decreasing, which means that those on the lower rungs of society will suffer greatly in the future because the wealth is not being spread out in this country. Distribution of wealth is considered un-American, and wealth is therefore hoarded. The income distribution regarding the lower and middle classes has been in steady decline since Reagan was in office.
If our educational system continues to ignore these kinds of things and fill young adult’s heads with false promises of economic stability when those promises can no longer be kept, (and how can our educational system not ignore these things when moneyed interests and wealthy politicos pressure them?) then we can expect nothing to change and conditions to worsen.
And parents, out of naked fear, signal their kids that they had better be ready to make a killing in the market place, or else! The pressure on these kids result in early high stress levels in an educational system that has lock-stepped into this whole competitive thing (the intense pressure of test scores) instead of teaching cooperation and the value of good character.
The drop out rate increases and the teen suicides skyrocket due to the worry these kids feel, worry which is justified because many times kids can see more clearly than their mentors, who have become hopelessly enmeshed in the whole illusion. The fact is that young adults will have problems down the road, even the successful ones let alone the “average” (where most of us are), which will be left economically in the dust.
Every kid has dream of making it big, playing in the NFL, making lots of money, but the reality is, fifty percent will end up average, which means that their income levels will be not be able to keep up with the wealthy, and the wealthy will not care. This is how it is playing out. And we wonder why gangs are increasing at an alarming rate. How else can people who are discriminated against keep up? Lawlessness and anarchy are always the result.
But there are other ways to live that sidesteps all of this angst, depending on …
One of today’s fastest growing career fields is the medical field. The medical field offers a variety of job opportunities. You are sure to find the medical career that suits your interests and skill level. The average salary of medical careers ranges from moderate to high. The medical field also offers job stability. Why is the medical field so popular?
The medical field is meant for those that want to touch lives. It is all about helping people. If you want to make a difference in the world, one person at a time, the medical field is the perfect career field for you. The medical field gives you the opportunity to show others that you truly care about them. In many medical careers you even get an opportunity to save lives or provide medical care to underprivileged areas. The medical field is the perfect place to make an impact on the world.
There are jobs available for essentially all skill and education levels. For those that just have a high school degree, there are many jobs available labs or providing assistance to surgical nurses. For those with a bachelors degree, lab work might be the right career for you. You can help diagnose illnesses by performing experiments in the lab and viewing samples under the right conditions under a microscope. For those that want to further their education even more, becoming a nurse or doctor might be the route you want to take.
Medical careers also offer competitive salaries. Health care is the most essential need our society has. Even though technology has made our lives easier, nothing can replace a human based health care system. As people live longer and more babies are born every day, the strain on the health care system grows. Because of this high demand for health care professionals, salaries are very competitive. This high demand also offers a lot of job stability.
You never get bored when you have a medical career. Every day there is something different going on and new challenges to overcome. The medical field is a fun and exciting career to have. There are fast paced jobs for those that need extra excitement, and more relaxed jobs for those that want a more tame career. There is a job for just about every interest level you might have.
Even if you do not have the stomach to handle body fluids day after day, there is a job for you in the medical field. You can work as a receptionist in an office, or do other clerical jobs in the office. You can also be a pharmacist or pharmacy technician. For those that enjoy travel a job as a drug representative might be the job for you.
For those that are looking for their first job or those that are looking for a new career, the medical field is the perfect place to start your search. There is the perfect medical career for just about everybody. All you have to do is search for it.…
With a large aging population in declining health, many children and family members are seeking information and services for senior home care. Rather than moving parents or loved ones to a nursing home or residential facility, home care brings health care professionals into a comfortable and familiar environment, increasing independence for the senior and allowing them to remain in their own setting. The term “home care” often refers to non-licensed medical professionals, although in some cases nurses or physical therapists are involved in the treatment plan.
What services are provided by home health care professionals?
As the goal is independence, familiarity and comfort, keeping an elderly relative in their own home is critical. In home care can provide a longer, more comfortable, stay at home for aging parents and loved ones. Service professionals providing home care include:
Transportation: Driving can become increasingly difficult and balancing daily commitments such as church, friends or doctors appointments, impossible. Seniors can utilize taxi or bus services, although there are alternatives in the local community that may be free or at a nominal charge. Medical insurance may cover or partially cover the cost of transportation to and from doctor appointments for seniors. Keep in mind that familiarity is important for both the elderly person and the driver as it ensures that the patient’s needs are met each and every time.
Meals: Nutritious, delicious food production and kitchen cleanup can become an increasingly difficult task for geriatric relatives. In addition to meals, delivery people offer companionship and regular contact with the patient.Professional delivery companies often train their staff to watch for worrying conditions, changes of mood or medical needs.
Home Construction: As needs change for an elderly person, they may need alterations within their home environment, such as lowered cabinets, non-slip flooring or updated bathroom fixtures. Consideration of the cost of long-term, in-care treatment should be taken when faced with the cost of assisting an elderly person to remain in their home.
Licensed Medical Care: Family members may wish to provide regular medical treatment by qualified, licensed professions in the home. This provides comfort for the patient and also regular updates for family members.
Prevention Services: Fall prevention is playing an increasingly important role on this. As costly hospital stays can result from a fall, a professional familiar with common causes of falls can provide guidance in altering a home environment. These may include updating shower fixtures, widening doorways or installing ramps.
How can I find the best home care professionals?
For comprehensive services, eldercare agencies are an excellent option. In addition, community groups, religious groups and local government agencies can provide resources and qualified senior care services.
How will we pay for these services?
Insurance companies that cater to geriatric care, such as Medicare or Medicaid, often cover all or part of in-home specific senior home care advice, consult a professional, qualified insurance agent.…