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
According to studies by Medicare 18-20% of patients find themselves back in the hospital within 30 days of being released. Lack of follow up by patients is the main reason for a return trip. Discharge instructions almost always recommend that patients see their primary care physician within one to two weeks of being released from the hospital.
This is important because medical care today is very different from medical care years ago when your primary care physician actually came to the hospital to see you. Today, physicians called hospitalists care for you while in the hospital. Your primary care physician cares for you when you are in the community. Many times your primary care physician has no idea you were even hospitalized, thus the importance of making an appointment to discuss further treatment for the condition that placed you in the hospital in the first place. Otherwise it’s likely you’ll win a return trip to the hospital.
Make sure any prescriptions that you leave the hospital with are filled and that you take the medication as prescribed. These prescriptions were written for a reason, yet many of go unfilled. Were you prescribed physical or other therapy? Participate. Again more recommendations that go unheeded by patients. Did you think you ended up in the hospital because you were caring for yourself properly? Is it your intention to go back home and do the same thing? You’re playing monopoly with your life, lose a turn and go back to the hospital.
Many older adults fail to see the progression and seriousness of their diagnosis. This occurs for several reasons. Physicians talk in medical speak. Older adults seeing the physicians as god-like are hesitant to ask questions; they do not ask questions about anything they do not understand. Physicians also diagnose versus offer information that affects the day to day life of their patients. For example many physicians do not tell patients to lose weight, improve their diets or stop smoking when this direction would benefit many individuals.
Due to insurance issues, hospitals are also rushed to push patients out the door, usually in three days or less. This rush many times does not allow for conditions to be fully diagnosed thus the problem resulting in the hospitalization is not resolved. What happens then? The patient is released, does not take medications, does not make a follow up appointment with the primary care physician and ends up back in the hospital.
This is expensive not only to the patient but the healthcare community. In 2009 a trip to the hospital costs the average Medicare patient a co-pay of $1,068. The ambulance trip to the hospital another $600-800. If individuals, not insurance, had to pay these costs I have to believe that we would take better care of ourselves.
Other issues with older adults that complicate this situation is memory loss. Many individuals do not take care of themselves because they simply can’t remember if medications were taken, meals were eaten, and bathing was completed. About fifty percent of individuals over the age of 85 have dementia, many times undiagnosed unless a family member notices because the individual cannot report a condition to their physician of which they are not aware. To further complicate the situation; most general physicians do not have experience with the subtlety of memory loss.
It is important if you are an older adult to have someone who can advocate for your health care needs. If you are a child, offer to attend medical appointments or coordinate information for your parents. Make sure they follow up with post hospitalization recommendations. You’ll save unnecessary trips to hospital emergency rooms and help your parent have a better quality of life. A little help goes a long way.…
As the years pass, you may start to notice wrinkles appearing around your mouth or crow’s feet growing around your eyes. You could find small depressions between your brows, or thin lines above your forehead. Do not panic”” keep these small signs of aging from becoming more noticeable with the following tips.
Keeping your weight under control is one key to aging well. There are a number of ailments related to obesity which exacerbate age-related illnesses. In order to keep your weight under control, you should exercise moderately and eat a balanced diet. Tracking your food intake with an online food diary makes this easier.
Make sure that you get enough sleep at your age. In order to stay healthy you should strive to sleep at least seven hours every night. Not sleeping between seven to nine hours per night will leave you feeling sluggish and irritable.
To make sure you are getting a proper amount of nutrients in your life as you age, try drinking smoothies, three to four times each week. Smoothies taste great and are chock full of good things. They typically contain up to five nutritional servings of fruits and vegetables. Even better, smoothies are rather filling, so as a light lunch or a snack, they can help you control your cravings and lose weight!
If you are feeling down because the thought of aging has you in a funk, just smile and laugh. You have the wisdom that those younger than you do not. Laugh and smile often, and occasionally cry, but laugh more. It’s true that laughter is the best medicine because laughter releases your body’s feel-good emotions called endorphins. Endorphins make you happy.
If you want your skin to look its best as you get older, do not use foundation or powder makeup. As you age, your skin will need more hydration than it used to, so this is really important. Use a more simple style of makeup like mascara, eye liner and lip gloss to enhance your natural beauty.
We are an optimistic people, always looking to the future. But in old age a backward look, even regret, can be a good thing. Assessing what is good or bad, what worked well or did not, is part of our job as human beings; part of what we pass on to the next generation.
A key to aging well is to maintain a good relationship with your physician. By getting yearly preventative checkups as well as any checkups that are necessary in between, you are taking a proactive approach to aging. There are many diseases that when caught early are highly treatable. Early disease treatment will definitely slow down your aging process.
Heed the tips in this article to help prevent aging. But remember that a youthful appearance comes from the inside-out. As the classic beauty Sofia Loren says, “There is a fountain of youth: it is your mind, your talents, the creativity you bring to your life and the lives of people you love. When you learn to tap this source, you will truly have defeated age.”…