Our Elders Pay the Price

Many proposals to reorganize Medicare could increase the financial and health risks faced by the vulnerable elderly. Turning Medicare into a premium-support system a voucher set randomly at the value of the second-least-expensive insurance plan could shift costs to elderly households. Increasing the Medicare eligibility age from 65 to 67 will leave many Americans ages 65 and 66 without insurance. The basic idea of part A Medicare payment is simple. The patient pays a deductible that approximately equal to the cost of the first day in the hospital;

I was intrigued by the amount of pill bottles that one patient had in his kitchen cupboard which made me reflect on the cost of health care produced by the older adult. I began to research the cost of living longer and found that as of 2011, 24 percent of the Medicare population were over the age of 80. I also found that Medicare spending for those above the age of 85 averages around $14,745 (Neuman, Cubanski, Huaung, & Damico, 2015). So I ended up learning that the older

The American Health Care system needs to be constantly improved to keep up with the demands of America’s health care system. In order for the American Health Care system to improve policies must be constantly reviewed. Congress still plays a powerful role in public policy making (Morone, Litman, & Robins, 2008). A health care policy is put in place to reach a desired health outcome, which may have a meaningful effect on people. People in position of authority advocates for a new policy for the group they have special interest in helping. The Health care system is formed by the health care policy making process (Abood, 2007). There are public, institutional, and business policies related to health care developed by hospitals, accrediting organizations, or managed care organizations (Abood, 2007). A policy is implemented to improve the health among people in the United States. Some policies

Statistically, the majority of older adults require continual health care for at least one chronic condition, half of this group for multiple chronic conditions, and more than half are managing multiple prescription medications. In older adult groups without chronic illness, there is still a high demand for health care access for “acute conditions as well as for extensive preventative care services recommended by evidence-based guidelines, such as medical screenings and vaccinations” (Thorpe et al., 2011, p. 2). Education from research is necessary to address the efficacy of health care delivery within the communities nationwide, and to mitigate the disparities within a flawed system. “As this vulnerable population is expected to double by the year 2030, efforts to identify and eliminate disparities in access for older adults are among the most pressing health care issues for the 21st century” (Thorpe et al., 2011, p. 2). Ultimately, through exploration of predictive risk factors in the older adult population, along with implementation of various approaches for intervention and policy, health care accessibility for this vulnerable population can be greatly improved.

According to Edlund et al., (2003), the Long-Term Care Security Act signed in 2000 by President Clinton established the Federal Long-Term Care Insurance Program, which in 2002 offered a long-term care insurance program to federal government employees, retirees, and their family members. This type of long-term care employer assisted insurance has great appeal as the last of the Baby Boomers have entered their early fifties. In “Ready, Set, Grow,” Paul Barr (2014) stated that there are 10,000, Baby Boomers per day becoming eligible for Medicare, and those in their sixties focus on cost saving solutions; whereas Baby Boomers in their fifties emphasize the importance of quality, and ease of access while exploring new care models with innovative patient interactions and unique financing

One dominant economic feature of the healthcare industry is the growing need for both basic and specialized healthcare due to the continued aging of the “Baby Boomer” generation. This generation consists of over 79,000,000 individuals born in the US between 1946 and 1964. As this generation has aged, the need for healthcare has increased dramatically. Let us take a look at some statistics:

The healthcare system is one that will always be needed by society. The amount of abuse the system receives depends on the amount of uninsured citizens. If a patient is uninsured, their bills typically fall to the Medicare system. Because of this, the elderly are unable to use the benefits of Medicare as they should be allotted. By initiating the Affordable Care Act, the government is attempting to realign the balance between the insurance companies and Medicare, and to provide millions of uninsured Americans the opportunity to have medical insurance (King, 2011). The purpose of this paper is to discuss the Affordable Care Act, and how it affects my personal nursing practice.

Suitable health care would not be possible for the elderly population in America without the assistance of Medicare Part A. Medicare did not come about easily. Currently Medicare spending is more than what is being collected, questioning future solvency. There are many challenges with sustaining Medicare into the future. Medicare’s past struggles, present outcomes, and future challenges confirm that a national health plan is ever evolving to meet the needs of the current population and spending inflation.

Long-term care is vital in the United States health care system. As the population ages, more people will need assistance to recover from illness or injury, and others will need end of life care to ease their passing. People who use long-term care are all ages. From young to old, people can receive it if they cannot care for themselves because of a condition, an illness, or an injury that requires assistance for a period of 90 days or more. The concern people face when looking at long-term care is the funding. Medicaid will likely be drained of funds long before the country’s aging population is past its peak and while there are some options of insurance coverage, not everyone may afford them.

Mrs. Jones, like many older adults, is on a fixed income, has Medicare for health coverage, but lacks prescription drug coverage. She was recently prescribed a new medication by her physician, which she cannot afford. As Mrs. Jones nurse, it is my responsibility to advocate for her by providing education and sharing information on the multiple different avenues available to decrease the cost of the medication prescribed. I will identify three strategies in which I can help Mrs. Jones afford her medication. First, I will provide education on her insurance plan and explain Medicare Drug Plans and their enrollment process. Secondly, I will identify a financial assistance program which she might qualify for. Finally, I will identify different ways to lower the cost of the medication such as coupons, drug discount cards, switching to a generic medication, and store programs ("Prescription Drug," 2014). All of these options are a solution to Mrs. Jones problem. In the meantime, it may be beneficial to obtain free samples from the physician 's office if possible, but this only makes sense if there is a strong likelihood that she will eventually be able to afford the new medication.

census discloses that the county age group is rapidly increasing and the trend will continue grow from a 99,086 to 140,000 by the year 2030 (Maryland Department of Aging, 2014). Research has shown that social inequalities are inter-reliant in the society and the impacts on health are present in all ages, however, it is predominant with the seniors leaving in the community. As it indicates, to reduce these disparities, it requires multi-interventional and collaborative approaches in addressing the various factors of health, it services and it cost. Although the United States has had some effective policies and few good health programs, however, providing a stable and adequate income for most of the seniors and providing a good public health care system goes a long way in improving their health and also increasing life expectancy. Much can and should be done to reduce inequalities that exist among the seniors and public health should take led in addressing the various aspect that affects the seniors. This paper has discussed the barriers to healthcare among the seniors and it has provided innumerable recommendations that would help improve their

Knowing the basics of how the elderly pay their expenses is important to know for any healthcare student. I decided to pick this topic, because I wanted to have more knowledge about this topic, and felt I needed to fully understand the basics. I am glad I choose this topic, because I have learned so much.

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.

With the population of adults 65 and over steadily climbing, medical professionals and the healthcare system are struggling to keep up. One major issue concerning the healthcare system is that it is not set up properly provide care for these older adults. The physicians today, who regularly see patients, focus mainly has been; diagnose—usually in a 15-20 minute office visit, treat, and cure. Many of these senior citizens have multiple chronic illnesses or diseases, which require time to manage and treat. The problem is that they may not be able to explain what the real problem to a doctor in that time.

The growing concern regarding the financial security of Medicare is one of particular interest to the nearly 72 million baby boomers that become eligible for this government-assisted, and tax-payer bolstered, program over the next two decades. According to the U.S. Census Bureau (2010), there will be a rapid increase in baby-boomers between 2010 and 2030, as the entire baby boomer population move into the 65 years and over category (p.3). Political and financial revisions must be made to ensure the security of Medicare as the numbers of individuals paying into this program are soon to be surpassed by the number of individuals drawing-off this program (U.S. Census Bureau, 2010). The elderly are also at a disadvantage with transportation to health care visits, picking up prescriptions, and rehabilitation services. There needs to be an establishment of access not only to primary care providers, hospitals, and rehabilitation services, but access to other aspects of the health care system for the elderly population.