Understanding the Different Types of Personal Care Homes

March 22, 2020

| general, government, law, Legal, politic

Personal care homes provide individualized medical services, shelter, assistance, and supervision to their residents. Several governmental and non-governmental organizations ensure that these facilities adhere to the set rules and regulations so that the elderly get nothing but the best services.

When looking for these kinds of institutions, it is imperative to understand the different types in order to make an informed decision. Here is a breakdown of the various types of senior homes.

Assisted Living Facilities

Assisted living facilities, also referred to as congregate housing, are an ideal choice for people who need little to no help. Each resident lives in his or her own fully furnished apartment. However, the rooms are fitted with modern emergency signaling devices that one can use to request emergency medical attention at any hour. The residents also share some spaces, such as the laundry, fitness, dining, and living rooms. Other privileges offered include security, … Read More

Affordable Health Care Is Better for You

March 21, 2020

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| general, government, law, Legal, politic

I often buck orthodoxy … on markets and specific investment plays, for example.

I fit that mode well, especially when it comes to public policy issues. For example, I'm a contrarian on health care.

Personal liberty? We're no freer to choose our own doctors under most private insurance plans than we would be under a single-payer system.

Unaccountable bureaucracy? Insurance company administrators are just as horrible as the government variety.

Costly subsidies? If you get your insurance from your employer, you get a massive tax subsidy. Your insurance benefit isn't taxed even though it's every bit as much a part of your compensation as your paycheck.

But the big issue for me is this: The economy-wide benefits of having affordable health care outweigh the costs.

Here's my case … and I want to know if it's a convincing one to you.

How Did We Get Here?

The US does not … Read More

The Shift Towards Managed Care by Traditional Payers

March 21, 2020

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| general, government, law, Legal, politic

In our country it is said that 48.8 million citizens have Medicare insurance while another 65 million have Medicaid (cnsnews.com). Meaning a large amount of the citizens in the US depend on government assistance for health insurance coverage. This is why managed care has become more and more popular. Managed care limits the amount of healthcare one receives to be limited. These limitations prevent patients – as well as physicians – from over using healthcare funds, which in turn cuts cost.

Many in our country cannot afford the rising cost of healthcare, so they desperately depend on our government to help cover this necessary cost. The problem is the government is not where the funds come from. It is the tax payers who pay for this coverage. This brings up the debate, is managed health care helpful or not? One may say it is unfair to raise taxes to cover … Read More

Long-Term Care Insurance: Eldercare Solution

March 21, 2020

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| general, government, law, Legal, politic

When I suddenly had to become a fulltime caregiver to my elderly parents, both with health problems and starting to develop dementia (namely Alzheimer's), I had never even heard of Long-Term Care Insurance. After we burned through their life savings, and then started chipping away at mine, I was advised to apply for financial assistance for them through the government Medicaid system – a program for those at the poverty level. It was quite a long process with mounds of paperwork and numerous investigations, but finally my parents were approved.

I was so happy that monetary help would finally be on the way, until I discovered that the financial assistance would only pay to put my parents in a nursing home, not even in Assisted Living, and with very little help to keep them in their own home.

Since their levels of care were so different (my mother needed most … Read More

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Tag: Care