Health Care

Archive for the ‘Health and Fitness’ Category

Health care is increasingly expensive and rising costs are a concern for most people.

Funding long-term care needs planning the US Health Department Statistics indicates that almost 10 million people in the US will require Home Health Care. And costs of care are rising each year. To cover health related contingencies people need to protect themselves with insurance that pays for home health care.

1. Well before retirement plan for any contingencies that may arise in old age. Plan on being independent in every way and put in place a rock solid financial plan.

2. Consult a retirement planning expert or insurance expert and find out the advantages and disadvantages of insurance that pays for long-term home care.

3. Surf the internet and read articles and tips on home health care and how to protect yourself financially.

4. Study your existing health policy and try and get a insurance policy that covers all aspects not covered by health care. Long term or home care becomes essential with injuries, serious illnesses, and old age.

5. Before investing in an insurance policy that covers home health care find out what in actuality the policy will cover and be sure to read the fine print. Any clauses you don’t understand ask the insurance agent or company for clarifications.

6. Buy a comprehensive policy that will meet your needs. Choose a policy that covers nursing home care, home care, and has a rider that covers expenses incurred by family during the illness like costs of food or transport to and from hospitals. Choose the coverage intelligently.

7. Find out whether the policy you are purchasing is tax qualified or non-tax qualified. When an insurance policy is tax qualified you can deduct premiums as medical expense up to the set limit.

8. When purchasing a policy think about aspects like inflation find out all about inflation protection and higher daily benefit rate. Choose wisely depending on your age, gender, family health tendencies and so on.

9. Buy home health care insurance from financially sound companies. Check aspects like independent financial ratings from sources like A M Best Company or Fitch Investors Services.

10. Practice preventive health care and take good care of your health by eating balanced meals, exercising daily and getting regular health checks.

Home health care covers a whole gamut of services: nursing care, doctors visits, companionship, light housekeeping, as well as meal preparation. While government services too provide for home care the regulations are extensive and the system cannot cover many cases. Home health care can also cover occupational therapy, physical therapy, speech therapy, and skilled nursing. Home health care is concerned with the medical needs of patients. Home health care funding is covered by leading insurance companies as well as Medicare, Medicaid, the Older Americans Act, the Veteran’s Administration, and more.

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Health care spending in the United States has reached over $2 trillion (over 16 percent of the GDP), and the Centers for Medicare and Medicaid Services (CMS) projects that health care expenditures will reach just over $4.1 trillion and comprise 19.6 percent of GDP. [National Health Expenditure Projections 2006-2016, CMS]. Government health care programs (mainly Medicare and Medicaid) totaled $554 billion in 2006 (about 21 percent of all government outlays, and 4.2 percent of GDP). [The Budget and Economic Outlook: Fiscal Years 2008 to 2017, Congressional Budget Office, p. 54]. The CBO estimates this number to grow to $1.3 trillion (about 5.9 percent of GDP) by 2017. [Id. at 54]. Government spends more on health care than any other industrialized nation, yet the cost of health care keeps rising. Nearly 47 million Americans are said to be uninsured and politicians are coming out of the wood-works offering numerous solutions to the health care crisis, with some even calling for “universal health care.” The cost of health care is indeed a problem today, but the solutions offered are often misguided.
Costs are high in the health care industry because of government intervention in the market place, which is stimulating artificial demand for health care while at the same time artificially restricting the supply of healthcare. Economic theory teaches us that, holding everything else constant (ceteris paribus), an increase in the demand for a product or service will increase its price, and a decrease in the supply of a product or service will increase its price. In a free market the price of any good or service in the market will tend toward an equilibrium (market clearing) price that optimizes the transactions between the demanders and suppliers. Prices, in turn, act as signaling devices in the market to tell entrepreneurs where goods and services are either overvalued or undervalued and, along with the incentive to maximize profits, drives the market to greater productivity and more efficient allocation of limited resources.
What we are experiencing in the health care industry in America is a tremendous interference in the free market allocation of healthcare. We have not had a free market health care industry in America in many decades. The decline began slowly in the early 1930s, with the advent of Blue Cross and Blue Shield and government subsidies of those industries, and received a huge kick in the wazoo in the 1960s with President Johnson’s Medicare