Posts Tagged ‘coverage’

November 22nd, 2011  Posted at   Healthcare Services

The new Patient Protection and Affordable Care Act (PPACA)–otherwise known as healthcare reform–brought relief to many senior citizens for whom preventive care is so critical to their good health. PPACA brings many advantages for seniors on Medicare, one of which is annual preventive care exams. Preventive care on an annual basis means early identification of disease and greater opportunity for treatment and recovery.

Beginning in September, 2010, new Medicare insurance plans and some current plans (specific changes must be made in order for them to be qualified) will begin coverage for specific services like colonoscopy and mammography. Seniors who show evidence they need the tests, and whose doctors order them, will be able to get the services. Beginning in January 2011, other requirements fall away and the services will be available as preventive care with no copay or deductible applied.

Many elderly have been subjected to high copays and deductibles for preventive care services like colonoscopy and mammography. Some were not covered at all. Older adults have a much higher risk of developing cancer, diabetes, aging-eye disease, cardiovascular disease, hypertension, depression, than the younger generations; as a result, the need for preventive services increases with age. Improved coverage means older and more vulnerable seniors will have access to preventive services starting in 2011.

Seniors and their medical professionals are now free to make appropriate choices about medical care based on the need for preventive services, not whether or not the elder can pay for the service. Many senior citizens have had to choose between food and shelter or medical care; they are on poverty level fixed incomes. They will no longer have to make this abhorrent choice, thanks to healthcare reform and affordable coverage for everyone.

September 22nd, 2011  Posted at   Home Health Care

There are various insurance policies that help pay for or totally cover the costs of home health care. Consumers are reminded to be very cautious when shopping, comparing and buying home health care insurance policies because coverage is often limited. Considering the limitations and loopholes that home health care insurance has, they may be more expensive than other insurance policies. Home health care may only be accounted for by comprehensive insurance policies with pay benefits for nursing homes, assisted living communities, and adult day care.

Types of Home Health Care Insurance

The different types of home health care insurance depend on each policy’s extent of coverage when paying for home health care services. Private insurance usually only pays for part of the home health care costs which include personal and hospice care. Managed care insurance plans may offer some help with home health care costs if the home health care provider is Medicare-certified, these plans also require hefty premiums.

There are also existing home care policies which actually pays for the excess amounts that your original insurance policy does not cover. These supplemental insurance policies cover additional payments on home medical equipment as well. Long-term care insurance cover most medical and nursing services including licensed home health care costs. They may even include personal care as well as services incurred for the upkeep and maintenance of the policyholder’s home. Long term care insurance is paid for in monthly installments based on the individual’s age and health conditions. Many times, the benefits may only be reaped after a pre-defined waiting period, or when the insurance company decides the financial assistance is actually necessary.

Originally, long term care insurance policies were intended to pay for a lengthy stay in a nursing home, yet because of the public demand and preference for home health care, a lot of long term care insurance policies now cover in-home services which may vary greatly according to plans. Considerations regarding pre-existing health conditions and prior hospitalizations usually limit the coverage of these insurance policies.

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