How to Find the Best Long Term Health Care Insurance in South Florida

How does one find the best long term health care insurance in South Florida? People living in the state of Florida should be aware of the many long term health insurance options that they have. The reason for this is that long term care insurance is becoming very common through the state and in the entire United States, and for this reason it is important to know the various options given to you by an insurance company. You must also know the different types of care that you can receive after being diagnosed with a chronic illness or after you cannot perform two out of the many daily activities. In this article you will find out the long term care health plans in the “Sunshine State” and the many options you have.Types Of South Florida Long Term Care Health PlansIt is very important to understand that the variety or the extent of what a plan covers varies by company and can also vary by state. For this reason it is very difficult to describe the many plans offered by every single long term care insurance company operating in the state of Florida. We can help you with the two different types of policies that a customer can get when it comes to long term care insurance. Before this however, it is important to mention that you can get long term care insurance at any age and that in the United States people between the ages of 18 and 64 are covered.1. Non Tax Qualified: This type of long term care insurance is also called NTQ when abbreviated. It was once called “Traditional Long Term Care Insurance because it was the first form of long term care implemented. This type of policy has been in the industry for the past thirty years and it simply includes that for a person to get the benefits specified in the policy, they will need a “medical trigger”. This trigger can only be stated by your own medical doctor or a doctor from the insurance company itself, and from that point on if the trigger is effective you will receive the benefits in the policy. It is important to highlight that the status of the benefits under this plan have not been determined by the United States Treasury Department, which means that you might be at risk for facing a large bill for what the insurance paid.2. Tax Qualified: Also like the type of policy mentioned above, this policy is usually abbreviated at TQ. It does not need for the person to have a “medical trigger” which makes it much easier for a person to receive benefits. On the other hand the downsides of these plans are that the health plan will have a waiting period (ranging from 30 to 90 days) in which the insured will have to pay for their own medical care. In addition to that a doctor must provide a plan of care and the insured must be unable to perform two out of the many activities of daily living (include dressing, toileting, bathing, eating, transporting, etc). The benefits given to the person under this plan are not taxable!It is important to highlight that if you work for a place that offers a long term care policy, you must make sure about the company and the language specified in the policy. The reason for this is that many insurance companies that take part in group policies are not regulated by the state and therefore charge more and can raise premiums whenever they feel like it.Types Of Long Term Care Specified In South Florida Long Term Care Health PlansAs said before policies tend to change from company to company in the state of Florida, as well as in the entire country. It is important to read your policy fully before actually signing it, so that you know what is covered under it and what is not. Like in any other industry, the long term care insurance business offers the customer many different types of long term that can be best for them in the future. It is important to see that the policy covers the type that you want so that you don’t just have to settle for what they give you. The types of long term care found in South FL health care plans will be specified below.1. Home Care: This is perhaps the most common type of long term care insurance nowadays. This is simply because people don’t want to go around visiting various nursing homes or hospitals and instead they would much rather stay at home enjoying of their own space. Under this category the insurance company usually covers nurses that come to your home and help you out with daily activities. It is important to highlight that some health care plans cover home health aids of personal workers that help you around your home. The average rate in the state of Florida for Home Care is estimated to be between $10 and $16 an hour.2. Adult Care: This is a new type of long term care option that has emerged for individuals that want to get out of their home, but want to return to it in the same day. They provide senior citizens with programs of social interaction and they usually provide meals five days a week. Some may also have a means of transportation from the person’s home to the care center.3. Assisted Living: A person should consider this option if they are unable to live at home without help, but they want to remain as independent as possible. In these facilities senior citizens are only helped by staff to take medications on time, bathe, dress and provide any medical care that the person needs. They also have recreation time and provide a great environment for community interaction. In the state of Florida the cost of this type of care ranges from $2,000 to $5,000 a month.4. Nursing Homes: Perhaps the most expensive of any long term care type, these establishments provide the person with 24 hour nursing care when the person is recovering from an illness of disease. They can also accept patients in the end of their lives and help them out with any medical care that they need. In the state of Florida the cost for a nursing home on average is $206 per day (with Jacksonville at $190 per day, Miami at $236 per day, Orlando at $201 per day, and Tampa at $212 per day).Tips For Finding A Cheap South Florida Long Term Care Health PlanThere are many things you can do in order to lower your long term care policy quote. The thing that many people don’t understand is that this industry, just like any other insurance business has its ups and downs and that it gives customers a possibility of lowering their coverage. Below you will find three tips that may help you save money on a South Florida long term care health plan:
1. Bundle Insurances: Perhaps this might not be the best option for you, but is can sure save a person a lot of money. Most people that have long term care insurance have some sort of health plan and most Americans have an automobile insurance policy. If you are with a company that offers all three of them do not hesitate to change and put all your insurance needs under a single company. If you do this the company usually rewards you for being a “preferred” customer and you can save up to 10%.2. Shop Around: The more you shop around and do your homework the easier is going to be to save some money. If you are doing the shopping online, be sure to visit many insurance companies or maybe an insurance comparison website. If on the other hand you are shopping in person make sure you visit three of four companies and get quotes from each them. Shopping around leads to cheaper policies!3. Look at your Waiting Period: Sometimes you can save a lot of money by expanding your waiting period; however you must only do this if you can afford it. By making your waiting period larger you are taking costs off the insurance company and placing them in your pocket. They will reward you with a good premium.South Florida Long Term Care Health Plans Vary From Company to CompanyAs you can assume from the article that you just read, no plan is the same and you should definitely go to insurance companies personally and ask them for their services. If you shop around and are patient however, you can be assured that the best long term care plan for you will be in front of you at no time!

Understanding Your Medicare Home Health Care Benefits

For many caregivers and families who are searching to find out more information on how they can care for their elders and loved ones, it can seem like a daunting task. One of the most important distinctions that have to be made on your information gathering quest is to know the difference between Medicare covered Home Care vs. all other forms of home care. In this article, we will explain what Medicare Home Care is and how to find out if you or your loved one qualifies.What is Medicare Home Health Care?Home Health Care is skilled nursing care and certain other health care services that you get in your home for the treatment of an illness or injury.One of the services offered to senior citizens by Medicare is Home Health Services. Medicare recipients must qualify for services, and they must be recommended by the individual’s primary care physician or specialty care physician.Medicare beneficiaries who feel they may need Medicare home care should always look into whether they can actually qualify for Medicare home health services. It is not a general personal care or chore-worker service. Rather, Medicare home care covers limited, specifically defined at-home care related to diagnosed medical conditions, and sometimes includes personal care services.These Medicare home care services must be prescribed by a physician, and provided through a licensed home health agency. The beneficiary must have a medical condition, or combination of conditions, that require periodic services from a skilled nurse or therapist. A plan of care will be developed that describes the specific services covered. Eligibility and coverage are evaluated strictly so the beneficiary’s conditions and care needs must be aired fully.Medicare Home Care QualificationsIt is common for an elderly person to need assistance upon discharge from a hospital or in-patient rehabilitation stay. That individual’s physician, sometimes in concert with family members and the patient him/herself, would determine the in-home health care need and complete paperwork that refers the patient to home health care.Other common situations include the slow physical decline elderly people experience; when that decline includes inability to care for oneself on a daily basis-but nursing home care is not yet required-the physician may recommend home health care for just those tasks the senior is unable to perform.These four conditions must be met before homecare services can be prescribed and covered by Medicare:1. Your doctor must decide that you need medical care in your home, and make a plan for your care at home; and2. You must need at least one of the following: intermittent (and not full time) skilled nursing care, or physical therapy or speech-language pathology services or continue to need occupational therapy; and3. You must be home bound or normally unable to leave home & leaving home takes a considerable and taxing effort. A person may leave home for medical treatment or short, infrequent absences for non-medical reasons; and4. The home health agency caring for you must be approved (“certified”) by the Medicare program.You can always find more information about your benefits and rights at Medicare’s website.

Reorganize the Health Care System

All citizens of our country deserve the security of universal health care that guarantees access based on needs rather than income.It is a fundamental human right and an important measure of social justice. The government should play the central role of regulating, financing, and providing health care. Everyone faces the possibility of poor health.The risk should be shared broadly to ensure fair treatment and equitable rates, and everyone should share responsibility for contributing to the system through progressive financing.The cost of health care is rising. Over the past years its expenditure have risen faster than the cost increases reported in other sectors of the economy. As a matter of fact, the free market doesn’t work for the health care system.* * *There are two ways of financing health care:The first is a private method of financing, by means of using workers’ and corporations’ money as premiums for acquisition of private insurance, which provides medical care. The established order leaves far behind 47 million people without health insurance.The second way, which is used by all developed countries of the world, is by taxing the workers for health care, which generates a pool of money, financing it through the budgets of the countries. The people of our country prefer private medical insurance and private health care. Getting accustomed, in the course of time to the existing system, our people reject all other proposals independent of their merits.An analysis of the acting system of private health insurance shows that this in essence is a social method of distribution of collected premiums. The insurance companies collect premiums from all insured workers and spend a part of them for health care of needy patients. As we see, private stays only the misappropriation of profits. Social distribution is carried out not on the scale of the full country, but is only limited by every medical insurance company.Medical insurance companies use as the basis of their operations an unfair practice. They select for medical insurance only relatively young, healthy, working people, which rarely are sick. They constantly increase the premium rates, excluding retirees who need substantially more care. Thus, the health insurance companies established for themselves hothouse conditions. They make billions of dollars in profits, which in essence is a simple misappropriation of unused means of healthy people, that don’t need medical services. Justifiably these means should be set aside in a special fund and used for care when these workers retire.Under the existing system, medical insurance companies have every reason to limit our care and increase our co-payments and deductibles. HMOs are famous for refusing to cover necessary hospital stay, denying people coverage for emergency room visits and balking at medically necessary procedures and therapy. The main reason our system is so expensive is that it has to support profit-hungry HMOs. In the U.S. thirty percent of each premium dollar goes to pay for administrative expenses and profits.HMOs stand as a useless obstacle in between doctors and their patients. A question occurs. It is necessary to have HMOs in the system?The answer is clear. There is no need for HMOs. This is an unnecessary link and it need to be abolished. It is necessary to establish a system that allows providers to concentrate on care, not on profit margins.* * *The health care system needs a fundamental change and improvement. It consists precisely that is necessary to decide a ripe task about improvement of medical care, simultaneous lowering the expenditures and providing all citizens of our country with goo care. This major problem brooks no further delay. It is generally known that health care in our country equates with small business, and all participants are interested, like every business, in receiving the highest possible profits.Breaking up the medical care into small medical offices don’t favor the development in this field and the fundamental medical tasks of lowering the cost of medical care by following reasons:advanced medical technology can’t be used in these offices;conditions don’t exist for a high level of organized health services;doctors prefer to minimize the time for medical examination of patients;fee for service is not the best idea in this field.The enumerated shortcomings in its turn lead to:the growth of serving medical staff and administrative expenses;deterioration of efficacy of outpatient treatment, increases visits of patients and needless referrals to hospitals;aggregate increase of expenditures on medical care.* * *Under existing circumstances of irrational organization of medical care in our country, it is necessary to look for new structures to satisfy the requirements of contemporary reality.Inevitably comes to mind a conclusion of advisability to reorganize the whole structure of medical care. Instead of great numbers of small unproductive medical offices it is preferable to organize large-scale multi profile medical clinics, each of them to be attached to a near hospital and working in two shifts.These outpatients’ clinics should be equipped with modern medical and information – computer technology, as well as contemporary laboratories, and carry out in them all necessary medical examinations, tests, procedures etc., considerably raising the quality of medical care and labor productivity of all medical staff.Another important measure – fundamental change of existing payment system for medical doctors care. We offer the introduction of pay by the hour remuneration system in the form of rate of salaries. Salaries for doctors should be established in dependence with the qualification, confirmed every five years, exemplary 150-200-250 thousand dollars yearly. Besides that should be established a distribution of bonuses for successfully carried out surgeries and excellent medical treatments of patients. This undoubtedly will switch over the attention of medical doctors to quality health services for patients. In essence, only such radical changes can be called medical care reform.* * *It is advisable to set up a public, non-profit organization for medical care of the population of the whole country, with branches in all states. The leadership of the non-profit organization should be carried out by the best experts in medicine, science, economics, finances and public relationship. They must take full responsibility for the medical care of the entire population and the use of means for financing it. It must include effective mechanisms for controlling costs of medical care. All controversial questions should be decided between medical doctors-experts from this organization and treating doctors. This will be a managed health care system. Managed care reflects the country’s distinctive approach to a universal human challenge. The cost of medical care must be contained. The rational for limit setting policies must be explicit and readily available to the public. The rational must show how the policy promotes good care for individuals and optimal use of available resources for the large population.It is advisable to free the medical doctors from the necessity of insurance against cases of committing medical errors, lifting of them the heavy burden of unnecessary wasted expenses. Medical doctors, undoubted should carry the responsibility for committing criminal negligence in the performance of their duties, causing irreparable harm to the health of treating patients.* * *It arises a question. How to carry out the financing of health care in the new term?The main thing and the only source of financing should be the use of a special tax for these purposes. It should be worked out a scientifically grounded percent of tax for the income of workers and profits of corporations and businesses, generating a fund, which should defray expenses on health care. To this fund should be directed the means from Medicare and Medicaid. Thus, all the means for financing medical care should be directed from the budgets to the public non-profit organization. This organization, in a proper way, should work out in detail an estimate expenditure of its budget. Within reasonable limits of this budget will be maintained the full medical care system.A scientific institution of appropriate profile should work out such a budget. If one may put it that way, undoubtedly we can assume that the maintenance cost of medical care under the new favorable conditions will be considerably lower than at present time. It seems to us, that the proposed perfected system sets a shield to uncontrolled expenditures of medical care, which under the system of unlimited presentation of bills to Insurance companies, Medicare and Medicaid becomes similar to a snowball, uninterruptedly going downhill on the verge of disaster.The system of medical care and financing of a new type should decide the topical problems of contemporary health care.