Kimberly Tyler, a registered nurse, explains the difference between Hospice and Palliative Care. A client is appropriate for hospice, if they have been given a terminal diagnosis that is going to result in death within the next 6 months.
Palliative care is an approach that focuses more on controlling symptoms related to a chronic illness, such as pain or emotional stress. With palliative care the disease does not have to be terminal. Again, palliative care is meant to help you control symptoms of a of a chronic disease that you may have for a long time, but not necessarily the die from in the next 6 months.
Elite Home Healthcare Services (EHHS) offers complete in-home care services for senior citizens, the disabled, and people recovering from operations. EHHS specialize in customized in-home care programs unique to each and every client. From general in-home care like assistance with daily routines and light housekeeping to more specialized care including post-operation and rehabilitation programs.
Listen to Elite Home Healthcare Services Radio Commerical for FM 107.1
Informative Video About Who Pays for Private Health Insurance.
Private Health Insurance
Although many Americans rely on their employers for health insurance coverage, there are several circumstances in which private health insurance is critical. If the time has come to select your own insurance, read on for some tips to guide you in the process.
When You Might Need Private Health Insurance
Private health insurance is sometimes required if you are: A recent college graduate – Most college students are covered under a parent’s health insurance plan or a plan offered or required by the university and sometimes they’re covered under both. Grads lose their college insurance and independent status because of their age or graduate status, which also makes them ineligible to be covered by their parents’ policy.
Unemployed – If you lose your job because of downsizing or resignation, you are most likely eligible to continue with your employer’s health insurance plan under COBRA except that you will have to pay its full cost yourself – the employer won’t subsidize part of the cost like it did when you were an employee. Eventually, this coverage runs out, and if you are still unemployed, you will need to find your own insurance. If you lose your job because you were fired rather than a victim of a downsizing, you are not eligible for COBRA and you’ll need to find your own insurance right away.
Part-time employee – Part-time jobs rarely offer health benefits. If you work part time, you usually have to supply your own health insurance.
Self-employed – Unless you can be covered under a spouse or partner who is a W-2 employee, you have to provide your own health insurance if you work for yourself.
Employer – If you start a business that has employees, laws might require that you offer them health insurance. Even if it is not required, you might want to offer it to be a competitive employer who can attract qualified job candidates. In this situation, you will have to shop for a business health insurance plan, also known as a group plan.
Retired – When you retire, you are no longer eligible for employer-sponsored health insurance. You’ll have to buy your own and because of your age and possible health conditions, it can be quite pricey. Dropped by your existing insurer – Sometimes people who need to make extensive use of their insurance, such as people who have serious medical problems, are dropped by their insurance companies even if they’ve been loyal customers for years. If this happens to you, consider seeking the guidance of an insurance agent who can help you find a plan specifically for someone with your medical condition.
Why You Still Need Health Insurance
If you find yourself in one of the above situations, don’t go without coverage for even a day. A small emergency like a broken bone can ruin you financially if you’re uninsured. These things are called “accidents” for a reason – in other words, you can’t predict when they will happen. No one expects to get hit by a car while going for a walk or fall down the basement stairs when carrying the laundry, but these things happen and they can be expensive without health insurance.
If you think you can’t afford your own insurance, you might be wrong. While there is a lot of hype in the media about the rising cost of healthcare, health insurance plans are available at a variety of prices. You might not be able to afford the kind of plan an employer would offer, but any plan is better than no plan. At a minimum, you want to be covered in the event of a major incident, such as an illness or the aforementioned broken bone.
First, decide whether you want a health maintenance organization (HMO), preferred provider organizations (PPO), high-deductible health plan (HDHP), consumer-driven health plan (CHDP) or a point of service (POS) plan. Depending on your situation, a short-term plan might also be a good option. After you’ve decided on a type of plan, you’ll need to determine a deductible you are comfortable with. What could you afford to pay out-of-pocket each year in a worst-case scenario? Remember, the higher your deductible, the lower your premium; if your monthly cash flow is low, you might have to opt for a higher deductible. Next, go to the website of each of the major health insurance companies in your area and examine the options for the deductible you’ve chosen. Plans available vary by state, and within your state, the premiums for each plan vary by zip code.
You won’t know what you’ll really pay per month until you apply and fork over your medical history. Price and coverage can vary significantly by company. Often, it’s difficult to make an apples-to-apples comparison to determine which company has the best combination of rates and coverage.
Your best bet is to limit your options to reputable insurers, then choose the plan they offer that provides the best combination of features you’ll use at a price you can afford. If you’re choosing a family plan or an employer plan, you’ll want to consider not just your own needs, but also the needs of others who will be covered under the plan.
Factors to Weigh in Choosing the Right Plan
Health insurance plans offer a variety of features. It’s unlikely that you’ll find a plan that offers everything you’d like, but consider the following features you need most so you can find the plan that offers the greatest number of them.
Does the plan offer prescription drug coverage?
Does it only cover generics?
What is the co-payment (co-pay) on generics and on name-brand drugs?
What is the office visit co-pay, and does the plan cap the number of office visits it will cover per year?
What is the co-pay for professional services, such as x-rays, lab tests, and surgery?
What is the co-pay for a hospital stay?
What is the co-pay for an emergency room visit?
Do you want a plan that allows you to add vision and dental coverage at minimal cost?
Do you need pregnancy benefits?
Do you already have a doctor you like? If so, you might want to find a PPO plan in which your doctor is part of the insurance company’s provider network.
What is the plan’s lifetime maximum payout? Try to get the highest amount possible if you’re buying a long-term plan.
Does the plan offer discounted services for preventive care, such as a free annual check-up?
Do you want specialty services like physical therapy, chiropractic, and acupuncture visits to be covered? For PPOs, what is the cost for out-of-network services, should you want or need them? Can you afford this?
Conclusion: Getting your own health insurance policy isn’t as easy or inexpensive as getting signed up with an employer’s plan, but once you figure out what you need and become familiar with the terminology, it’s not too intimidating. With the number of options available, you can probably find a plan that meets your needs – and your budget.
Humana is one of the largest and best-known health insurance companies in the United States. It offers health care services for individuals, business owners and military personnel.
Aetna has been providing health insurance to Connecticut residents since 1853, and today covers people in all 50 states. It is a pioneer in health care legislation and is responsible for making coverage of genetic testing and counseling an industry standard.
UnitedHealthCare is the largest single health care carrier in the United States. It currently covers approximately 70 million Americans and contributes large amounts of money to medical research every year.
Kaiser Permanente is a unique health care management program that is located mainly in the western United States. In California, Colorado and seven other states, patients who have Kaiser coverage get health care services, including hospital stays, at Kaiser health facilities.
Cigna is a worldwide health insurance organization that covers individuals, families and employers. It has been in business for over 30 years.
Anthem is one of the better-known national insurance companies. It operates under different names, depending on what state a patient is from, but covers patients throughout the United States.
Assurant has been offering a variety of insurance plans, including health insurance, for the last 100 years. It was named one of Forbes’ 50 Most Trustworthy Companies for 2014.
Health Net offers coverage to people in Arizona, California and Colorado. It is a California Market Plan associate, which means that low-income patients in California can get discounted insurance via Health Net under ACA rules.
United American began in 1947 as a one-man enterprise. Today, it is a national health care insurer based in Texas.
American Republic Insurance was founded just before the Great Depression, and it is now a national insurer offering customized health insurance plans.
eHealth is a private online marketplace helping individuals and families find Medicare, vision, dental and general health insurance plans. Consumers answer a few questions to get tailored insurance recommendations, quotes and plan comparisons.
Health Plans of America is not a health insurer. Instead, it provides consumers with competitive health insurance quotes for seniors, families, individuals, and young adults who want to save money by using the company’s website to request a free health insurance quote.
Best Health Insurance Companies for 2016 . (1970). Retrieved on January 13, 2016, from http://www.consumeraffairs.com/insurance/health.html.
Home Health services help adults, seniors, and pediatric clients who are recovering after a hospital or facility stay, or need additional support to remain safely at home and avoid unnecessary hospitalization. These Medicare-certified services may include short-term nursing, rehabilitative, therapeutic, and assistive home health care. This care is provided by registered nurses (RNs), licensed practical nurses (LPNs), physical therapists (PTs), occupational therapists (OTs), speech language pathologists (SLPs), home health aides (HHAs) and medical social workers (MSWs) as a limited number of up to one hour visits, primarily through the Medicare Home Health benefit. Professional Caregivers are trained to work with your family to develop an individualized home care services program. As part of this process, we match your loved one’s needs to a select group of compassionate in home care providers. With Elite Home Healthcare Services as your in home care provider, you are planned to be part of the caregiver selection process. Home Care Services with Elite Home Healthcare Services.
As your home care services provider, you will enjoy personalized service built around your needs. We know you have a lot of questions about home care services for your elderly loved one. The team of dedicated professionals at your local Elite Home Healthcare Services office is on hand to answer all your questions and to address any concerns you have. You can call your local Elite Home Healthcare Services franchised office at any time to learn about our in home care services. When you choose Elite Home Healthcare Services as your home care provider, we begin by reviewing your loved one’s needs. We will meet with involved family members and, when necessary, consult with the physician(s) of the care recipient, social workers, hospitals, or nursing home staff.
Our goal is to get a complete picture of your loved one’s in-home care needs. Our franchised agencies are trained to work with your family to develop an individualized home care services program. As part of this process, we match your loved one’s needs to a select group of compassionate in home care providers. With Elite Home Healthcare Services as your in home care provider, you are planned to be part of the caregiver selection process. Some of the services provided include:
Meal Preparation/Diet monitoring
Errands and Shopping
Respite Care for Family Caregivers Care is Available Mornings, Mid-Day and Evenings Temporary or Long Term Care is Available Weekends and Holiday Care is Available 24 Hour Care Available More
We Respond To Your After Hours Call In 15 Minutes or Less! Nothing is more frustrating than to get voice mail when calling an in home care services agency in the evening or on the weekends.
If you receive voice mail when you call Elite Home Healthcare Services, our franchised home care agencies are trained to call back within fifteen minutes. We’re committed to providing you with superior home care services and to meeting your needs in the way that’s most convenient for you! Find an Elite Home Healthcare Services Office Near You! You can learn more about our home care services and our compassionate caregivers by calling (678)-705-4424. We look forward to meeting your family!
What is Adult Day Care? Adult day care offers mental, social, and physical activities for adults who’ve lost some independence due to cognitive impairments or chronic health conditions.
Benefits of Adult Day Care
The benefits of adult day care: provides meals, activities, and social interaction in a facility where older adults are monitored by trained staff.
Services Offered in Adult Day Care
Adult day services are the perfect fit for families who wish to keep their aging loved ones at home, but need help during the day while they work.
Who uses Adult Day Care? Adult day care is an important care option for family caregivers who give unpaid in-home care for elderly relatives, disabled adults, friends, or neighbors.
Adult Day Care Staff
Adult day care staff requirements are not as stringent as medical facilities no nurses or certified nurse aides unless they provide day health.
Paying for Adult Day Care
Adult Day Care Costs. The adult day care costs for each state are listed according the cost of adult day care in the state. The list of adult day care cost allows you to see how costs vary across the country.
Does Medicare Pay for Adult Care? Medicare partners with Medicaid to sponsor the Program of All-Inclusive Care for the Elderly. It pays for adult day care.
Does Medicaid Pay for Adult Care? Adult day health centers deliver programs for health, therapy, social services and activities to people needing care. Medicaid Waivers help individuals pay for care.
Adult Day Services
Older adult daily living centers are also known as adult day services centers. What is an older adult daily living center? Adult day services centers operate for part of a 24-hour day and offer an interactive, safe, supervised environment for older adults and adults with a dementia-related disease, Parkinson’s disease or other organic brain syndrome. Adult day services centers offer a community-based alternative to institutionalization and provide a reliable source of support and respite for caregivers. All adult day centers in Pennsylvania provide personal care, nursing services, social services, therapeutic activities, nutrition and therapeutic diets and emergency care. Some centers offer additional services such as physical therapy, occupational therapy, speech therapy, medical services, podiatry, etc. to meet the range of client needs.
How do caregivers choose an older adult daily living center for their loved one? The Department’s Caregiver’s Guide to Selecting an Adult Day Services Center brochure offers tips for selecting the appropriate adult day services center. In addition, the National Adult Day Services Association offers consumers and caregivers a site visit checklist. More information: Contact your local Area Agency on Aging to determine whether you or a loved one qualifies for services.
The Affordable Care Act market reforms apply to group health plans. On Sept. 13, 2013, the IRS issued Notice 2013-54, which explains how the Affordable Care Act’s market reforms apply to certain types of group health plans, including health reimbursement arrangements (HRAs), health flexible spending arrangements (health FSAs) and certain other employer healthcare arrangements, including arrangements under which an employer reimburses an employee for some or all of the premium expenses incurred for an individual health insurance policy. The notice also provides guidance on employee assistance programs or EAPs and on section 125(f), which prohibits the use of pre-tax employee contributions to cafeteria plans to purchase coverage on an Affordable Insurance Exchange (also known as a Health Insurance Marketplace).
The notice applies for plan years beginning on and after Jan. 1, 2014, but taxpayers may apply the guidance provided in the notice for all prior periods. On February 18, 2015, the IRS issued Notice 2015-17 which provides transition relief from the excise tax under section 4980D with respect to failures to satisfy the market reforms by certain small employers reimbursing premiums for individual insurance policies, S corporations reimbursing premiums for 2-percent shareholders, and certain health care arrangements for employees with health coverage under Medicare and TRICARE.
The Affordable Care Act provides more options than ever for how you get and pay for coverage. You and members of your family can be covered, even if you have pre-existing health problems. You can apply for financial assistance from the federal government to help pay for care and coverage purchased through the Marketplace. State- and federally run Health Insurance Marketplaces are available to help you shop, compare, and buy health care coverage.
The Affordable Care Act, also known as the health care law, was created to expand access to coverage, control health care costs and improve health care quality and care coordination. The health care law does not change VA health benefits or Veterans’ out-of-pocket costs. Because comprehensive national data for the effects of menu labeling do not exist, FDA did not quantify the benefits associated with section 4205 of the Affordable Care Act and this rule making.
Some Affordable Care Act studies have shown that some consumers consume fewer calories when menus have information about calorie content displayed. Consumers will benefit from having important nutrition information for the approximately 30 percent of calories consumed away from home. Given the very high costs associated with obesity and its associated health risks, FDA estimated that if 0.6 percent of the adult obese population reduces energy intake by at least 100 calories per week, then the benefits of section 4205 of the Affordable Care Act and this rule would be at least as large as the costs.
The Affordable Care Act not only makes health care more affordable for families and small business owners and raises taxes on high earners, large businesses, and the health care industry. It also limits medical deductions. Tens of millions of families will benefit from new tax credits which will help them reduce their premium costs and purchase insurance. American families making less than $250,000 as a group will see their taxes cut by hundreds of billions of dollars.
Affordable Care Act Summary. (1970). On January 13, 2016, from http://obamacarefacts.com/affordablecareact-summary/.