Posts Tagged ‘Need’
Americans pay more than one and a half trillion dollars for medical care each year and costs related to all manner of health care, such as prescription drugs, continue to skyrocket. While some of reasons behind this booming bill are understandable, Americans caught in a cash crunch might be surprised to find out some of the lesser-known causes of high health care costs.
The words health care might invoke images of doctors, nurses and hospitals, but the reality is that the medical field is a business and a ruthless one at that. Individual practitioners, researchers and participants may have wonderful intentions and a true desire to help people, but the structure of the American health care system ensures profit is the number one issue of importance.
Here are some facts that may help explain the high costs of American health care:
Pharmaceutical research and development companies spend roughly $20 billion each year on R&D, and about the same amount on advertising and self-promotional marketing activities.
There is sure to be a grin on your face once you get to read this article on health insurance. This is because you are sure to realize that all this matter is so obvious, you wonder how come you never got to know about it!
Additionally, drug companies have as many sales people as there are doctors in the United States. One of the responsibilities of this sales force is to convince doctors to attend pharmaceutical company-sponsored seminars where drugs are showcased.
According to some economists, the purchase of new technology is responsible for more than 50 percent of new health care spending over the last three years.
Much of the money Americans pay for health care finds its way into the rising profits on health care-related products and services such as the provision of medical insurance. Even higher costs have been forecasted for the future, especially for prescription drugs.
For many Americans who are unable to afford the health care they need, rising costs represent an ever-increasing barrier to medical services and products. The financial burden is also felt on the larger national scale with about 15 percent of gross domestic product going toward health care costs. That is equal to about one quarter of the annual federal budget.
Comparatively, Canada invests around 10 percent of its GDP on its public health care program. Unlike the United States, Canada’s health care program is universally available to all citizens and permanent residents without cost. Other countries, such as Germany, where there is a public/private delivery system model for health care, manage to serve their populations for even less while still having better longevity than Americans. This proves that the quality of health care does not rise proportionally with the amount of money spent to attain it.
While many Canadians supplement their universal health care with added insurance to cover the cost of medication and perks such as semi-private or private hospital rooms, health care insurance is much more essential in the United States. Unfortunately, costs have been rising dramatically, making health care insurance out of reach for many Americans. Currently, more than forty million Americans do not receive any kind of health care benefit.
Developing a vision on health insurance, we saw the need of providing some enlightenment in health insurance for others to learn more about health insurance.
For employers, providing health care insurance for employees is also becoming more expensive, with increases dramatically outpacing inflation rates. Some years, the difference is four or six fold. Even if premiums were to remain static, offering health care insurance to employees still costs several thousand dollars per worker. For smaller companies, or for those who employ a large number of people, these costs can be prohibitive.
Measures to reduce health care costs are always under consideration, though many are not popular choices. Suggestions that have been put forward by various sources have included:
Increased drug awareness and education. Millions could be saved if health care insurance covered only generic versions of drugs that have been proven just as effective as their more expensive brand name counterparts.
Terminate expensive treatment options will only add a short amount of time to a patient’s life, particularly if it will not be quality time (i.e. patient is in a coma).
Promote preventative care such as smart lifestyle choices, proper nutrition and exercise.
Examine to ways to control drug advertising to consumers. There is speculation that advertising has led to prescriptions of non-necessary drugs.
Limit malpractice liability so doctors and medical professionals do not feel pressured to cover themselves by ordering unnecessary tests to substantiate conditions they already know to be present.
When you buy Utah health insurance, you are making a purchase that will give you peace of mind as well as making a positive contribution to your health. This is because without Utah health insurance you could find yourself unable to afford the care you need when you have a major illness. Even if you are eventually able to afford that care, it may come too late if you haven’t purchased Utah health insurance in advance.
By purchasing Utah health insurance, you are also helping your future financial situation. The lack of Utah health insurance could result in such massive medical bills that you may even find yourself facing bankruptcy. It is essential therefore that you and your family take advantage of the coverage available.
Utah health insurance can be bought on either a group or individual basis. Group insurance, bought by an organization to cover its employees, requires you to pay regular premiums that keep your Utah health insurance up to date and protect you from unforeseen medical expenses. It is well worth the cost of those premiums to have the advantage of knowing you won’t be hit by crippling bills in the event of an accident or unexpected health problems. After purchasing your Utah health insurance, you can relax in the knowledge that you have taken all possible steps to guard yourself and your family from costs resulting from unexpected health issues.
If a group plan is available to you, it has the advantage of costing less than an individual plan. This is because the employer pays a proportion of the cost. In addition, under a group plan, your Utah health insurance usually has the extra benefit of covering you for pre-existing conditions without increasing the costs.
If you are self-employed, you should organize your own Utah health insurance as soon as possible. There is no benefit in waiting until you develop a medical condition before trying to purchase Utah health insurance. An insurance company is often unwilling to cover an individual with a pre-existing condition, so it doesn’t make sense to wait until a health problem arises before buying individual Utah health insurance. You need to take advantage of your good health now and purchase Utah health insurance while you can, so you will be protected against anything that happens in the future,
For some people looking to purchase Utah health insurance, there are particular advantages to short-term policies. Available through private health insurance providers, short-term policies provide individual and family coverage for periods of between one and six months. You may, for example, be between jobs or working part-time. You may have lost your coverage because of a divorce; you could be a student who is no longer covered by your parents’ policies, or you might be an early retiree. These are just some of the scenarios that would make short-term Utah health insurance a benefit for you until you can establish a more permanent plan.
Even if, for some reason, you are refused major Utah health insurance, you can take advantage of a mini-med or “defined benefit” health plan. Whether or not you have a pre-existing condition, you can purchase one of these guaranteed-issue Utah health insurance plans. Insurance companies can afford to provide such plans because the policies have limits on their coverage. These plans have the advantage of being easy to understand and are available for anyone between the ages of eighteen and sixty-five. Like other Utah health insurance plans, they have the benefit of providing affordable health protection for you and your family, no matter what your individual needs or situation may be.
What is Home Health?
Home Health Care is skilled nursing care and certain other health care services that you receive in your home for the treatment of an illness or injury. This could also include physical, occupational, and speech therapy. Medicare Part A will cover home health expenses at 100%. Private duty home care is not covered by Medicare and is paid for by the individual receiving the service. This type of service usually includes housekeeping and other routine personal care services (cooking, laundry, and shopping, and live in care givers.).
This could also include physical, occupational, and speech therapy. Medicare Part A will cover home health expenses at 100%. Private duty home care is not covered by Medicare and is paid for by the individual receiving the service. This type of service usually includes housekeeping and other routine personal care services (cooking, laundry, and shopping, and live in care givers.).
***FREE OF CHARGE***if Medicare approved
Call or email now to see if you are Medicare/Medicaid Qualified
If you or someone you know needs help with
1. Diabetes
2. High Blood Pressure
3. Wound Care
4. Arthritis/Joint Pain
5. Any Chronic Illness or Disease
We Also Provide:
1. Light House Keeping/Laundry Services
2. Senior Transportation
3. Meal Preparation
4. And Much More At No Charge to YOU!!
II. How to get Medicare Home Health Care:
• Your doctor must determine you need medical care in your home.
• You will need at least one of the following services: skilled nursing care, physical or speech therapy.
• You must be homebound. Homebound means that leaving your home is a considerable and taxing effort
III. What qualifies as Skilled Home Care Services?
• Wound Care for pressure ulcers or surgical wounds
• Physical Therapy (fall prevention, recent fractures, recent stroke, TIA’s, endurance issues, or transfer training)
• Occupational Therapy (recent strokes, ADL training-such as dressing, grooming, and bathing)
• Speech Therapy (swallowing issues, aspiration, recent stroke, pneumonia)
• Patient and Caregiver education
• IV Therapy
• Injections (diabetes, B-12)
• Medication Management
IV. Home Health vs. Hospitalization:
• In many cases home health care services may be appropriate to prevent an individual from being hospitalized.
• Most patients and their families prefer to stay at home rather than be placed in the hospital or skilled nursing facility when their condition allows them to remain at home.
• Home health care is usually less expensive and in some cases just as effective as care in a hospital or skilled nursing facility.
Home health care assists a person in their recovery from an illness, accident, surgery, or change in their medical condition. Professional health care and rehabilitation services are delivered in a person’s home environment under the direction of their personal physician.
Services offered include:
Skilled Nursing
24/7 Availability
Physical Therapy
Wound/Ostomy Care
Occupational Therapy
Infusion Therapy
Speech Therapy
PT/TNR results in home
Home Care Aides
Pain Management
Medical Social Workers
Rehabilitation
Who pays for home health care?
If you are Medicare eligible and qualified for care, there is no out of pocket cost to you. Home care can also be paid for by many private insurances or a variety of public programs.
To qualify for Medicare home health services, there are five basic requirements:
1. Your physician must determine that you need home health care services
2. Your own physician must write the orders for home health services, and oversee your care
3. You must need skilled services that are provided by a nurse or therapist
4. Your physician must determine that you are homebound, requiring considerable effort and help to leave home
Because benefits and requirements can vary, we can help you check with payors about your specific benefits, even before beginning services, so you can have this information at the start of care.
-Medicare pays 100% of the cost for home health care for individuals 65 years of age or over or permanently disabled.
-Private insurance will pay for home health care. Benefits vary per policy and verification of benefits is required.
-Medicaid pays 100%. Pre-authorization is required.
-Workers Compensation Insurance.-Private Pay.
We can HELP you in a number of ways.
· Patient specific health data with observations by a professional nurse are reported to the physician.
Helping patients and their families to understand and follow physician’s orders regarding nutrition, special diets, medications, and general nursing care:
· Assisting with home management of catheters and feeding tubes.
· Giving injections ordered by the physician and teaching patients and family the proper techniques for doing so.
· Helping patients restore strength and independence through physical therapy exercises,
Educating diabetic patients on how to manage diet, insulin, and other health related measures. Enabling the patient with ostomy how to resume a full, active life.
· Assisting patients with bathing and personal grooming (ADLS).