Individual health insurance is offered by different health insurance entities. What makes them attractive to clients are their benefits and amenities which promises their help in easing up financial burdens due to high costing medical treatments as needed by the person. A person who would like to avail will usually check the package and see if it will really be of great help when the time comes medical attention are needed to be met. The benefits offered must also be properly explained to the client, from the coverage, the diagnostic examinations, nature of illness up to its limitations.
Time and again there are clients who faced the a point of dilemma regarding their medical bills as their claims for financial assistance are denied by the medical insurance provider. Such denials are because of some flaws usually due to misunderstandings as conditions for the insurance were not properly explained by the representative offering the it to the client. These troubles usually arise whenever a health problem is not resolved due to other uncertainties especially those caused by financial constraints.
For those who are interested in having low cost health insurance coverage, it would be best to ask for the doctor’s opinion, not just for the assurances one may get but for to be more well informed of the different possibilities in the care, treatment and diagnostic examinations that a patient may undergo. More or less they could also check the hospital’s finance department and ask the cost of examinations and lodging according to the rooms and the range of professional fees. It is best that a person must learn and understand his very own insurance quote. There are online insurance quote where one may inquire and find out what they need to know to have a better view, not just with the benefits in store, but also with other issues that has been facing many questions credibility and reliability.
Many illnesses are now surfacing that getting regular check-ups and medicinal maintenance is a must to ensure a healthy body. Getting an individual health insurance nowadays seems to be a necessity also because of the promise it gives in helping with the regards to financial aspects. It is best that in acquiring an individual health insurance, people must know as much as possible about at to what extent the insurance is being offered. There are limitations regarding the coverage of any insurance policies which them must be followed or observed by the availer of the insurance. It is a must to be more aware and secured before availing anything which we think is best and may give the right benefit.
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Wednesday, August 12, 2009:
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Following is part three of an interview with Phyllis Slater, owner of Slater Solutions LLC. Ms. Slater has devoted years to providing coaching and concierge services to the working caregiver and aging parent. Visit Phyllis Slater\’s website simply by Googling the name Phyllis Slater. nnQ. Why should we plan for tomorrow now? nnA. Possible situation… I have vision difficulties but can still live without assistance. However, a year from now I may need help with cooking, cleaning, shopping, driving and paying bills. nnMedications can be placed in a pre-programmed medication dispenser with monitoring company assistance. If the medication is not taken in a reasonable period of time, the company will call my son. Non-medical in-home care will be hired to attend to all these needs.nnIf I fall on the coffee table and spend a week in the hospital, the geriatric managers may recommend a rehabilitation center for treatment.nnWhether I am able to return home or must move to a living facility, my family will hire an organizer to come in and rearrange furniture, lower items in the kitchen so they can be reached, removed unwanted items, and boxed up rarely used items. nnA real estate agent will already be chosen, but not hired, just in case I must sell the home. Again, that is planning for the unknown. Whatever the outcome, the stress of last minute decision-making has been reduced.nnRemember that part of this relocation process is finding a reliable moving company, and now there are companies that, for a fair rate, will pick up unwanted items. nnNow, there are Adult Day Care Centers for individuals with mental challenges. Our senior center has one that gives family caregivers some respite time –providing the social interaction they need.nnIf I cannot return home because of extra caregiving needs, it may be appropriate to move into an Assisted Living facility, which is private pay. Assisted living facilities allow residents to feel more independent while having 24/7 caregiving when needed. Having social interaction with peers can reduce depression and keep the mind more alert. There are Continuing Care Facilities that have Independent, Assisted Living and Nursing Care all on the same property — for easing into each other while being accessible to friends created on-site.nnSpending time in the elder care field, I planned ahead by contacting a Long Term Care Insurance Specialist. nnNext, my son was made legal guardian with all my finances in both of our names (Elder Care Attorney). In addition, my Financial Planner has made wise investments for me over the years. I made sure my son and other family members have copies of all paperwork. Each child understands the reason for my decision-making. nnMy friend did not plan ahead of time, has no money for care, and applied for Medicaid. This is why I am so passionate about planning ahead. This may mean that she will have to go into a nursing home rather than the assisted living facility. nnA small amount of Assist Living facilities qualify for Medicaid Waiver programs. This means that Medicaid would pay some of the cost, which is great for those with financial difficulties. However, the waiting list for an opening could take years. Talk with a government agency about the options available in the meantime. nnAnother option is to live at home with 24/7 care, and use the equity of the home for a Reverse Mortgage. This option is a safety net, allowing for quality care in the comfort of your own home. There are advantages and disadvantages with using a Reverse Mortgage, so check with the Reverse Mortgage Specialists before making a decision. The key is to learn about it now. If you don\’t use this, pass the information to others later.nnIn some states there are Senior Foster Homes, which are residential homes with 24/7 on-site care. With only four bedrooms, each resident receives personal care and can participate in responsibilities — such as setting the dinner table. These homes can take the place of an assisted living or even nursing home. Professional staff is hired or the owner could be a licensed nurse. This is a great option but also requires private pay.nnHospice care is now provided in the home, the care facility, or their own hospice faculties. The requirement is usually a paper from the doctor saying it is predicted a person\’s life will end within six months. Naturally, if this does not happen, the care should still be available. Different states may have different requirements for keeping hospice beyond that time. This is a service that is sadly underutilized. To my knowledge, there is no cost to the family for this service.