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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As Edith Rasell argues:

“But for at least two reasons the price and sales of health care services are not restrained by the usual market forces. First, for many people, not buying a recommended health care service is not an option. If a doctor recommends a particular medicine or procedure, most people will follow the recommendation, even if it means going without other things to pay for it. In many cases the price of the test or procedure plays a small role in the decision about whether to buy it.

The influence of market forces on health care is also influenced by the fact that most people have health insurance. Having health care coverage is a priority for many people, despite the expense. But when someone has an insurance policy, the cost of actual care is only a fraction of the total cost and may be zero. Thus, the effect of price on determining if the service will be purchased is diminished.” (70)

Further undermining the competitive nature of the industry is that the individuals who are best able to distinguish between the competing insurance corporations (i.e. the sickly) are the self-same customers that the companies look to avoid in order to keep down rates. Thus, in some sense, there is a real positive incentive for insurance companies to provide disservice, so as not to attract too many knowledgeable invalids.

Since a simple market model of the United States health care system is so dreadfully flawed, opponents of a socialized approach to medicine are disingenuous if they represent the medical conflict as one between government control and control by “the invisible hand.” Instead, it becomes merely a contest between the efficiency of two different bureaucracies. Furthermore, since the United States has the highest health care expenditures of any country in the world, spending 13.6% of income on health services, while simultaneously lagging much of the rest of the developed world in life expectancy, and more importantly healthy life expectancy, where it ranks 24th at 70 years, just 1.6 years ahead of nearby Cuba (WHO), it seems a strong argument can be made for at least some fundamental change.

Furthermore, the higher prices of the health care in the United States often go to financing non-essentials. Hospitals have impressive lobbies, and larger financial staffs, but care is not significantly improved. In addition to this effect the complexity of the health insurance industry “created costs of $67 billion over and above what the United States would pay if it had Canadian type institutions” (White 151). In a country where over 15% of the population lacks adequate health coverage, that’s $67 billion that could certainly be put to better use.

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We all know the time has come that in order to afford the high standard of care that we have become accustomed. Something has to give or most certainly change. It is a hard fact of life and a big step, but it will be taken whether we like it or not.

Rationing health care for seniors makes sense. As long as the priorities are right. Who among us has the least to lose? It would however , require a new mind set. A change in how we believe things should be in our health care delivery system. In health care, the goal has been and should be the pursuit of excellence in care. However, attaining and maintaining this goal, is now cost prohibitive.

There are movements going on in new directions. The latest workshop from “Savings Beyond Price” blog. Robert T. Yoki – President and chief value Strategist. Strategic Value Analysis {R} In Health care. Shares ideas on how to move forward. The early stages for changing health care are as visible as they are necessary.

To change health care, Yoki advocates taking one small step in the right direction. So where do we begin. Wise minds are hopefully working to redesign our health care delivery system. In our lifetime I imagine these changes will not come easily, but they will come none the less.

Perhaps rationing health care for seniors is the beginning of the beginning, but certainly not the end to a long unpaved road. It will not be a pleasure trip. And it will be more like a survival course. Hopefully, the next generation will benefit from a refined health care delivery system.

In the USA, would we be wise to use our advances in health care with a greater respect? To consider carefully about those that would benefit most. And how we are to continue to pay for the delivery and the expertise needed. Limits should be set in the pursuit of a prolonged life, beyond what is reasonable and after it is of no value to the patient. It has been considered morally right by those of us that have such a compass. Yet, we continue to struggle with ambiguity. And against tides. For some of us, there are some religious implications against the removal of a feeding tube, even on a poor lifeless and mindless soul. Considered wrong by some, it has been said, that there is considerate merit to man’s suffering.

We need a change . We need appropriate health care that does not have over its head the threats of disproportionate liability for those that are in its practice . This, is what often leads to a ” defensive ” practice, thus increasing the cost of malparactice insurance and in turn, passing it on to the health care consumer. Health care, could be better with a broad stroke education available to the public on self care as it relates to basic health maintenance, and chronic disease management. It is a possibility whose time has come.

Will the change be to socialized medicine? Many other countries that have this in place are unhappy with it. As it is health care designed for the young and the well.

Many patients from other countries, come to the USA because they can afford its cost. Others who are our citizens, must walk away, as it is not within their reach.

We have been both blessed and cursed by our advances in medicine. Yet, we still have one of the best health care systems. Hopefully, in our attempt to make it affordable, we don’t have to “throw out the baby with the bath water”.

Mrs. Clinton indicated she has designed a health care reform plan that maximizes choice for people. If individuals or families are satisfied with their current level and cost of health insurance coverage, they may continue with their current plan. For those who are uninsured, underinsured or otherwise not satisfied with their current coverage, she will open the Congressional health care coverage plan to them.

Senator Clinton’s plans lowers costs aggressively, and will provide subsidies and cap premiums so everyone can afford health insurance through the use of health care tax credits. Clinton’s plan will cost approximately $110 billion annually. Her plan to fund her health care reforms is to take President Bush’s temporary tax cuts set to expire on people making more than $250,000/year and put the money in tax subsidies.

Clinton’s plan will save money, she explained through modernization and efficiencies that can be obtained in the health care system. She also wants to eliminate tax “giveaways” to drug companies. Converting all medical records to electronic format will save $77 billion a year according to Mrs. Clinton, money that could go into prevention and be applied to chronic care management costs as well as expand access to services.

Senator Clinton indicated her work on health care reform began many years ago, at the beginning of her political career, nearly 35 years ago. She explained that there are three general approaches for a health care system: single payer system, mandated employer funding of plans for employees, or shared responsibility. The latter is the concept around which her current plan was developed.

Clinton pointed out she and Senator John Edwards had developed similar health care reform plans. She further pointed out that her work 10 years ago in the area of health care reform helped implement the Children’s Health Insurance Program, which ensures adequate health care for all children.

Affordable health care is, Mrs. Clinton said, a core Democratic value and imperative. The Senator believes health insurance must be regulated differently than it currently is controlled. There should be no one denied coverage, including those with pre-existing conditions, and health insurance companies should be required to compete on cost and quality of their programs.

Clinton does allow that the health insurance companies deserve to be part of the solution to fixing the current system. She also wants to give Medicare the right to negotiate to bring prices down. Finally, Clinton cautioned “We (Democrats) carry the banner of universal health care. The health insurance industry is very clever and well-funded.”

A lot of talk about health care reform, if I may understate, swirls about us in the news, in film “documentaries”, in politics, on the internet and in everyday conversation. Most seem to agree that “something needs to be done” to make health care more affordable and available to all. The most vocal advocates of “reform” seek a single payer system. The only logical single payer seems to be government at some level. The current presidential campaign seems to focus on the federal government as the means to provide “fair” treatment for all Americans.

The federal system gives our elected officials the authority to pass and enact laws. They are, basically, limited to raising and spending funds, creating the agencies /bureaus to write the regulations for the law and administer the programs created, and to criminalize behavior deemed contrary to the law(s) and regulations. Once our elected officials enact enabling legislation, administering and enforcing the laws and regulations is the responsibility of the agency(s)/bureau(s).

Therefore, by definition, health care will become another government bureaucracy. Based on ALL other experiences with government, administration will be based on the following:

1. Available funds and the ability of elected officials to keep up with medical changes, inflation and population growth, and their willingness to increase funding (Raise taxes, especially in never ending election years).

2. Changes in laws brought by pressure from affected parties; i.e., special interests other than the general population and the ill. (Think drug companies, AMA, etc.)

3. The level of competence of bureaucrats combined with the complexity of regulations. (Think IRS)

4. Time lag between changes and or advances in medicine and government reaction and changes in payment for health care. (Think agricultural subsidies).

5. The ability, or lack thereof, to predict unexpected consequences and their effect on programs and care. (Think gas mileage versus safety or military operations.)

6. The need to criminalize care given to those who opt to pay for their own care, in order to insure “fairness” and to insure that doctors can not opt out of the system, unless they leave medicine. (Think the Clinton administration’s doomed plan)

There are myriad examples of government involvement in many aspects of corporate, private sector business and our personal lives. Most are well intentioned. Some are laudable. All are cumbersome, time consuming, costly and inefficient.

Government run health care will be rationed care based on dollars. Government run health care will be rationed by severity of illness and age. Government run health care payments will be behind advances in treatment, often by years. Government run health care will set payment rates for care based on dollars available, effectively ending some forms of care and eliminating some medical specialties.

Still favor government run health care?

Think Medicare.