Long Haul Care Advantages

Specific coverage and benefit details vary from state to state (Raffel, 224). This is intended to help people with high medical costs that are not old enough for Medicare.

Long-term care can be defined as a broad set of paid and unpaid services for people who are mentally or physically disabled, or whose chronic illness places them in need of medical or personal assistance for long periods of time. “It is estimated that there are more than twelve million Americans of all ages whose mix of serious disability and chronic illness places them at the high risk for functional decline, hospitalization, or nursing home placement.” (Benjamin) Several different populations require long-term care services, and the needs of these populations vary. In addition to the elderly, many of the long-term care users are younger persons with physical disabilities; persons with developmental disabilities; and persons with chronic

No one plans to have oneself or a family member diagnosed with a chronic disease or to be involved in a debilitating accident. Unfortunately, these situations are all too familiar and can happen every day. Having health insurance when these life changing events occur can provide a person or family

Medicare program in the U.S. covers the cost of healthcare of those over the age of 65. Medicaid

Medic-care: This category covers people over sixty five years old. It involves a contribution and beneficial system as a certain amount of money is compulsorily deducted from the pay of individuals till they get to retirement age, the beneficial phase involves money given back to the over sixty five people in form of healthcare and pension. Though some people under the age of sixty five can qualify if they are disabled or with some kidney failure. It has parts which cover hospital insurance, medical services in which the

This insurance encouraged people that had this basic form of insurance to get a second opinion on their medical issues especially elective surgeries. You had to pay for services that you were receiving right away.

Long-term care is a result of people having terminal conditions, disabilities, illnesses, injuries, or being elderly. The purpose of long-term care is to provide services to people and to aid people at a time in their lives when they cannot depend on themselves to maintain daily activities. There are many variations of long-term care available – such as home care, adult day care, and independent and assisted living, personal care facilities, nursing homes, and hospice.

Also, this insurance would cover all pharmacy co- pays. Many children become very sick because the parents are not able to afford the copay from the pharmacy. Some of the bills would come out to a co-pay of

Medicaid provides a comprehensive benefit package for those who enroll. The federal government requires coverage of thirteen services, including inpatient and outpatient hospital services, nursing home and home health care, and for children under the age of twenty-one. The benefits do not end there, Medicaid offers a

     The preventative care also follows to Medicaid problems. As Medicaid only covers some people like children and people with disabilities, it only covers half of the medical expenses. For the elderly and the disabled, it doesn’t cover long-term nursing home care or prescription medications. (Reese) If things weren’t bad enough, Bush administration has opposed broad cuts to Medicaid by up to ten billion dollars. This is

The dignity that comes with all hands on the staff working together, promote residents and families to feel good about the decision to put a loved one in a long term care facility. One is now able to answer what is a long term care facility, how much does it cost and what lifestyle do residents have in a long term care facility. Living in a Long term care facility mean preserving an individual lifestyle and keeping dignity and respect. The cost for these facilities are extended from the level of staff and on what kind of facility the resident is living in. Nursing homes are for more needy residents and require more assistants than an assisted living or home health aide. By moving a loved one into a long term care facility a family and resident

If we look at the overall rating in the National Academic of Science approximately 82 percent of people are living with a chronic disease that has to be tended to on a monthly bases. Ongoing preventive service for the elder that are most common would be hypertension, arthritis and heart disease so why charge the elder adult 3 times more for their monthly premiums than a younger adult.

In contrast to the lack of health care insurance in early America as most people simply paid cash alongside an exchange of goods for care or received charitable services (Black & Chitty, 2014, p. 305). According to Medline Plus, health care benefit insurance plans allegedly, helps protect you from high medical care costs. It is a contract between the individual and an insurance company (U.S. National Library of Medicine, 2014). The person purchases a plan or policy, and the company agrees to pay part of your expenses whenever the need arises for medical care. People who meet certain requirements can qualify for government health insurance, such as Medicare and Medicaid. Generally, these contracts have become a contemporary source of disdain as this bundle of confusing legalistic terminology regularly necessitates specialized interpreters to truthfully guide patrons.

Understanding the classification of healthcare services in terms of acute and long term care enable us to plan for services, to describe institutions, and to allocate funding and reimbursement. In the United States, healthcare services provided by health care providers (such as doctors and hospitals) are paid for by the following including, private insurance, Government insurance programs, people themselves (personal, out-of-pocket funds). Additionally, the government directly provides some health care in government hospitals and clinics staffed by government employees. Examples are the Veteran’s Health Administration and the Indian Health Service.

This is very good for elders because if anything happens to them, their insurance can protect them from very big costs. Health insurance also counts when you are an employment because if you get an injured at work, the company you work for will provide health insurances from their company. This benefit is provided for everyone because everyone builds a percent when they pay taxes and it is cut; goes to the government for your future importances. For example, this article example, “ All employees in the United States are required to have 2.94% of their FICA federal tax withheld to subsidize Medicare – an employee has 50% of that 2.94% taken out of their pay, and his / her employer matches that contribution” (Senior Corps). When taxes are cut and send to the government it is because that money is saved for future problems. If your job has a good health insurance it is very benefit because not all companies provide medical. Getting medical can be better because it has a fuller coverage than Medicare. Health