Most people over 65 will need some kind of help with the activities of daily living such as bathing, dressing, or moving around. The need for such help can stem from a chronic illness or the natural decline of eyesight, hearing, strength, balance, and mobility that comes with aging. It’s never too early, or too late, to start planning for long-term care.
Many people think the phrase “long-term care” refers to an insurance policy. While insurance may be part of your strategy, long-term care encompasses many other decisions. You will need to decide where you will live, how you will navigate the myriad of legal, family, and social dynamics along the way, and the many options for paying for everyday help. Though a number of government programs may help pay for some long-term care services, many people are faced with significant out-of-pocket costs.
In partnership with LongTermCare.gov, Huffington Post took a look at eleven myths that may be keeping some from planning for long-term care, and ways you and your loved ones can prepare for the future.
Myth 1: I won’t need it
About 70 percent of Americans over 65 will need some kind of help with the activities of daily living for months or years as they age. It may be due to an illness, chronic disease, or disability. But often, the care is required because of the natural decline due to aging of one’s eyesight, hearing, strength, balance, or mobility. Read the rest of this entry »
Health care reform law aims to improve care,
lower costs for seniors and people with disabilities.
3-4 million seniors living with multiple chronic illnesses such as diabetes, lung and heart disease are too ill or disabled to easily visit their physician when they need care. Instead, they go to the ER or are hospitalized. These seniors represent about 10% of Medicare beneficiaries but account for two thirds of Medicare’s expenditures, and it’s a problem that’s not going away. The number of people with multiple chronic illnesses will grow to 6-8 million by 2025.
House calls, directed at these highest cost patients first, are a solution to the rising Medicare costs. The average $1,500 per ER visit, for example, can more than justify the cost of 10 house calls. Savings are even greater for avoided hospitalizations. Home-based primary care programs have the potential to save 20-40% on Medicare’s most expensive patients by bringing them care in their homes. But this is a new and relatively unproven healthcare delivery model.
Testing the Solution
The Independence at Home Demonstration, authorized by the Affordable Care Act, will test the viability of a new service delivery model that utilizes physician and nurse practitioner directed primary care teams to provide services to certain Medicare beneficiaries in their homes. Up to 10,000 Medicare patients with chronic conditions will now be able to get most of the care they need at home.
“This program gives new life to the old practice of house calls, but with 21st Century technology and a team approach,” said Marilyn Tavenner, Centers for Medicare & Medicaid Services (CMS) Acting Administrator.
The new Independence at Home Demonstration greatly expands the scope of in-home services Medicare beneficiaries can receive. It’s a voluntary program for chronically ill Medicare beneficiaries that will provide them with a complete range of primary care services. Read the rest of this entry »
According to a new report from the centers for Medicare and Medicaid services, there are vast differences in how much you will pay depending on which hospital you use. Where one might charge $7,000 for a procedure, another just down the road may charge $100,000 or more for the same care quality. (see Secret Hospital Charges)
Now there are ways to find the Fair Price on your own. One is like the Kelly Blue Book of healthcare, and it’s appropriately called Healthcare Blue Book. If you’re dealing with some major healthcare procedures, it’s certainly worth checking out. It never hurts to get informed when it comes to dealing with health care providers.
By Kathleen Sebelius, Secretary of Health and Human Services
More than three years ago, Congress passed the Affordable Care Act and President Obama signed it into law. Last year, the Supreme Court upheld it. Millions of Americans have already benefited from its provisions, and millions more are looking forward to benefits that will soon go into effect. And in November, the American people re-elected the president as an affirmation of the law’s promise that no person should go broke if they get sick.
Yet today, for nearly the 40th time since it’s been the law of the land, House Republicans staged yet another repeal vote in their latest attempt to turn back the clock on progress and deny Americans health insurance coverage they can count on.
For the 37th time, Congress is voting to repeal the health care law, the Affordable Care Act.
Learn what’s at stake for Americans if the law were repealed.
GOP Governors Deny The Poor Health Care
In Opposing Obamacare’s Medicaid Expansion
RUSTON, La. — With no health insurance and not enough money for a doctor, Laura Johnson is long accustomed to treating her ailments with a self-written prescription: home remedies, prayer and denial.
Healthcare became a hot potato during this political season, even though the U.S. Supreme Court ruled that the Affordable Care Act is constitutional. Governor Romney wants to repeal “Obamacare,” but what’s actually in the law and why was introduced in the first place? To address these common questions, I’m reposting one of my first articles on the topic.
This article describes a great presentation by Dr. James Rohack on Health System Reform. Rohack is a practicing cardiologist and Director of Scott & White Center for Healthcare Policy. He is also a professor at Texas A&M Health Science Center and was the president of the American Medical Association from 2009 to 2010 during debates over Obama’s Healthcare Law.
The presentation was held in Sun City, a planned community north of Austin for retirees with active lifestyles. It didn’t include handouts, but I was able to find some of Rohack’s slides online and offer them below with my notes.
The Waiting Room is like a punch to the gut for people cast off and left out of our U.S. medical care system, what some call the best in the world. When Democrats and Republicans vie for your votes and debate healthcare reform, remember that these are not the people they are talking about. Most don’t even notice the plight of those at the bottom — this ugly underside. But our politicians, and the billionaires who set their agenda, should be made to watch this documentary, because these are the 47 percent they talk about — the people left out of the American Dream. They’re real people.
This character-driven documentary film uses unprecedented access to go behind the doors of Oakland’s Highland Hospital, a safety-net hospital fighting for survival while weathering the storm of a persistent economic downturn. Stretched to the breaking point, Highland is the primary care facility for 250,000 patients of nearly every nationality, race, and religion, with 250 patients – most of them uninsured – crowding its emergency room every day. Using a blend of cinema verité and characters’ voiceover, the film offers a raw, intimate, and often uplifting look at how patients, staff and caregivers cope with disease, bureaucracy, frustration, hope and hard choices during one typically hectic day.
The ER waiting room serves as the grounding point for the film, capturing in vivid detail what it means for millions of Americans to live without health insurance. Young victims of gun violence take their turn alongside artists and uninsured small business owners. Steel workers, cab drivers and international asylum seekers crowd the halls. (movie trailer follows)
Opportunity is knocking for telehealth to become a common method of practicing medicine in the U.S.
One-on-one Web-based video chats and other electronic consultation between doctors and patients isn’t new — it’s been used throughout the U.S. in varying degrees for a few years now. But health-care reform, a ballooning and aging population and a shortage of available family physicians may be a perfect storm that could blow the doors open for telehealth to go mainstream.
As states’ health insurance exchanges — online marketplaces where citizens can compare and purchase insurance plans — begin to debut in advance of the 2014 deadline set forth by the Affordable Care Act (ACA), access to health-care providers should expand for many Americans. Obtaining insurance coverage soon may be easier, but the gap between the number of incoming patients and available primary care doctors is widening.
Money, Politics and Health Care: A Disease-Creation Economy
By Mark Hyman, MD, practicing physician (original on Huffington Post)
“There is nothing more difficult to carry out, nor more doubtful of success, nor more dangerous to handle, than to initiate a new order of things. For the reformer has enemies in all those who profit by the old order, and only lukewarm defenders in all those who would profit by the new order.” –Niccolò Machiavelli, The Prince and The Discourses
Money in politics is making our nation sicker, threatening our national security, and ultimately destroying the very economic prosperity the “money in politics” seeks to achieve. It is undermining our capacity to care for our citizens and threatening our global economic competitiveness in invisible, insidious ways. The links, connections and patterns that promote obesity and chronic disease are clear, though. The economic and social impacts are evident. As health care consumes an increasingly large percentage of our federal budget, the negative impacts of money in politics have become too alarming too ignore, and never more obvious than in this election cycle of 2012.