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In-Home Care
In-home health care is the best option for people who have a higher level of fitness, and want to remain as independent as possible throughout their later years. In this situation, home health care nurses may come and visit you daily, or every couple of days, to take care of your everyday medical needs. Also, a housekeeper may be utilized, as well as a personal health care attendant, who would be responsible for more of the day-to-day living help – such as a companion, driver, cook or the like. In-home health care is quite easy to locate; just contact a nurses’ association or look in the Yellow Pages.
Continuing Care
An intermediary between nursing homes and independent living, continuing care, or retirement communities, offer a wide variety of health benefits and services to their inhabitants. These communities are usually all-inclusive, where dwellers receive lodging, meals, social events, varying levels of health care, and sometimes other perks as well.
Entrance fees for these establishments can be quite high (ranging from $10,000 to over 300,000); added to their monthly fees (ranging from $800-4000), and this option can prove to be expensive health care. However, services are guaranteed for the remainder of your life if you choose this option, and if your health falters, you can always be moved to the nursing home portion of their health care facility.
Because of the all-inclusive nature of this kind of health care, you’ll want to read the fine print carefully in your contract. What are all of the recurring and one-time fees? What exactly is covered with those fees? What health care options are, and are not offered? Do you need to purchase extra health insurance to cover your specific care costs? Also don’t forget to check up with the Better Business Bureau about the status of the facility you are interested in; if you plan on living there the rest of your life, you may want to double check it’s reputation, too.
Nursing Homes
In a very simple sense, nursing homes will take care of your health care needs when you are no longer able to. This may be for a short period of time while you are recovering, or for a longer period of time as you age. Nursing homes are the whole meal deal of health care for the elderly or otherwise incapacitated. If this is an option that you think you may require, there are many things to discuss and consider when looking at your options. Does the home provide the type of care that you will require? Research the history of the nursing home; are there any black spots on their record? Talk to people who have lived there, have used their services, or who are still living there now, if at all possible. Get their viewpoint.
Small business owners Gordon and Babette Brennan used to pay as much as $800 a month for health insurance. But the Jupiter, Fla. couple felt like they received little in return: Claims for ordinary pediatrician visits for their son Ryan were denied. Procedures like blood tests weren't covered. Co-pays were $40 a pop.
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Read more...SANTA MONICA, Calif., Sept. 2 /PRNewswire-USNewswire/ -- ProCon.org today completed its authoritative study on the pros and cons of the March 2010 health care reform laws at Health Care Reform ProCon.org (www.healthcarereform.procon.org).
Read more...SANTA MONICA, Calif., Sept. 2 /PRNewswire-USNewswire/ -- ProCon.org, the premier, free, nonpartisan, public service website whose aim is to provide readers with unbiased research on the country's most debated issues has completed its authoritative pros and cons on whether the March 2010 health care reform laws are good for America, and how this legislation impacts the lives of all Americans.
Read more...On August 2, Senator Mark Pryor of Arkansas and Senator Jay Rockefeller of West Virginia introduced the "Insurance Competition and Transparency Act of 2010," designated as Senate bill 3685. The bill would greatly expand the ability of the Federal Trade Commission to conduct industry-wide investigations of insurer practices.
Read more...Sheena Reddy, 24, of Sunnyvale, Calif., went without healthinsurance for a year after graduating from college, but afterpassage of health reform earlier this year, she was able to enrollin her parents' plan.
Read more...Columbia-based BlueCross BlueShield of South Carolina was among four S.C. employers that have been accepted into the Early Retiree Reinsurance Program which provides interim health coverage for people 55 and older, federal officials said.
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