Archive for November, 2009

Fact Sheets Home Health Care

November 30th, 2009

Home health care helps seniors live independently for as long as possible, given the limits of their medical condition. It covers a wide range of services and can often delay the need for long-term nursing home care.

More specifically, home health care may include occupational and physical therapy, speech therapy, and even skilled nursing. It may involve helping the elderly with activities of daily living such as bathing, dressing, and eating. Or it may include assistance with cooking, cleaning, other housekeeping jobs, and monitoring one’s daily regimen of prescription and over-the-counter medications.

At this point, it is important to understand the difference between home health care and home care services. Although they sound the same (and home health care may include some home care services), home health care is more medically oriented. While home care typically includes chore and housecleaning services, home health care usually involves helping seniors recover from an illness or injury. That is why the people who provide home health care are often licensed practical nurses, therapists, or home health aides. Most work for home health agencies, hospitals, or public health departments that are licensed by the state.

How Do I Make Sure That Home Health Care Is Quality Care?

As with any important purchase, it is always a good idea to talk with friends, neighbors, and your local area agency on aging to learn more about the home health care agencies in your community.

In looking for a home health care agency, the following 20 questions can be used to help guide your search:

How long has the agency been serving this community? Does the agency have any printed brochures describing the services it offers and how much they cost? If so, get one. Is the agency an approved Medicare provider? Is the quality of care certified by a national accrediting body such as the Joint Commission for the Accreditation of Healthcare Organizations? Does the agency have a current license to practice (if required in the state where you live)? Does the agency offer seniors a “Patients’ Bill of Rights” that describes the rights and responsibilities of both the agency and the senior being cared for? Does the agency write a plan of care for the patient (with input from the patient, his or her doctor and family), and update the plan as necessary? Does the care plan outline the patient’s course of treatment, describing the specific tasks to be performed by each caregiver? How closely do supervisors oversee care to ensure quality? Will agency caregivers keep family members informed about the kind of care their loved one is getting? Are agency staff members available around the clock, seven days a week, if necessary? Does the agency have a nursing supervisor available to provide on-call assistance 24 hours a day? How does the agency ensure patient confidentiality? How are agency caregivers hired and trained? What is the procedure for resolving problems when they occur, and who can I call with questions or complaints? How does the agency handle billing? Is there a sliding fee schedule based on ability to pay, and is financial assistance available to pay for services? Will the agency provide a list of references for its caregivers? Who does the agency call if the home health care worker cannot come when scheduled? What type of employee screening is done?

When purchasing home health care directly from an individual provider (instead of through an agency), it is even more important to screen the person thoroughly. This should include an interview with the home health caregiver to make sure that he or she is qualified for the job. You should request references. Also, prepare for the interview by making a list if any special needs the senior might have. For example, you would want to note whether the elderly patient needs help getting into or out of a wheelchair. Clearly, if this is the case, the home health caregiver must be able to provide that assistance. The screening process will go easier if you have a better idea of what you are looking for first.

Another thing to remember is that it always helps to look ahead, anticipate changing needs, and have a backup plan for special situations. Since every employee occasionally needs time off (or a vacation), it is unrealistic to assume that one home health care worker will always be around to provide care. Seniors or family members who hire home health workers directly may want to consider interviewing a second part-time or on-call person who can be available when the primary caregiver cannot be. Calling an agency for temporary respite care also may help to solve this problem (see the Respite Care fact sheet for more information about these services).

In any event, whether you arrange for home health care through an agency or hire an independent home health care aide on an individual basis, it helps to spend some time preparing for the person who will be doing the work. Ideally, you could spend a day with him or her, before the job formally begins, to discuss what will be involved in the daily routine. If nothing else, tell the home health care provider (both verbally and in writing) the following things that he or she should know about the senior:

Illnesses/injuries, and signs of an emergency medical situation Likes and dislikes Medications, and how and when they should be taken Need for dentures, eyeglasses, canes, walkers, etc. Possible behavior problems and how best to deal with them Problems getting around (in or out of a wheelchair, for example, or trouble walking) Special diets or nutritional needs Therapeutic exercises.

In addition, you should give the home health care provider more information about:

Clothing the senior may need (if/when it gets too hot or too cold) How you can be contacted (and who else should be contacted in an emergency) How to find and use medical supplies and medications When to lock up the apartment/house and where to find the keys Where to find food, cooking utensils, and serving items Where to find cleaning supplies Where to find light bulbs and flash lights, and where the fuse box is located (in case of a power failure) Where to find the washer, dryer, and other household appliances (as well as instructions for how to use them).

A WORD OF CAUTION . . .

Although most states require that home health care agencies perform criminal background checks on their workers and carefully screen job applicants for these positions, the actual regulations will vary depending on where you live. Therefore, before contacting a home health care agency, you may want to call your local area agency on aging or department of public health to learn what laws apply in your state.



HOW CAN I PAY FOR HOME HEALTH CARE?


The cost of home health care varies across states and within states. In addition, costs will fluctuate depending on the type of health care professional required. Home care services can be paid for directly by the patient and his or her family members, or through a variety of public and private sources. Sources for home health care funding include Medicare, Medicaid, the Older Americans Act, the Veterans’ Administration, and private insurance.

Medicare is the largest single payer of home care services. The Medicare program will pay for home health care if all of the following conditions are met:

The patient must be homebound and under a doctor’s care; The patient must need skilled nursing care, or occupational, physical, or speech therapy, on at least an intermittent basis (that is, regularly but not continuously) The services provided must be under a doctor’s supervision and performed as part of a home health care plan written specifically for that patient The patient must be eligible for the Medicare program and the services ordered must be “medically reasonable and necessary” The home health care agency providing the services must be certified by the Medicare program.

To get help with your Medicare questions, call 1-800-MEDICARE (1-800-633-4227, TTY/TDD: 1-877-486-2048 for the speech and hearing impaired) or look on the Internet at http://www.medicare.gov.

WHERE CAN I LEARN MORE ABOUT HOME HEALTH CARE?

There are several national organizations that can provide additional consumer information about home health care services. These include the following:

The National Association for Home Care, which can be reached at 202-547-7424 or by visiting its website at www.nahc.org. The postal address is: 228 7th St., SE; Washington, DC 20003. The Visiting Nurse Associations of America, which can be reached at 617-737-3200 or by visiting its website at http://www.vnaa.org. The postal addresses are: 99 Summer St., Suite 1700; Boston, MA 02110.

To find out more about home health care programs where you live, you will want to contact your local aging information and assistance provider or area agency on aging (AAA). The Eldercare Locator, a public service of the Administration on Aging (at 1-800-677-1116 or http://www.eldercare.gov  can help connect you to these agencies.

Case Study

WHEN IS HOME HEALTH CARE APPROPRIATE?

Because it is not always clear to the average person when an ailing senior needs home health care and when he or she needs nursing home care, it is usually best to consult a medical professional for advice. The following case study describes one situation in which home health care proved to be the right choice.

Francis is 84 years old and recently had a stroke. She was hospitalized briefly and then discharged to continue recovering at home. To enable her to return home, her doctor called a home health care agency, and the agency gave Francis a complete home health care plan for six weeks. Since the doctor ordered the home care for Francis, Medicare paid for it.

For the first week after Francis went home, a nurse visited her every day. The nurse met with Francis’s family to discuss her special dietary needs and to arrange for exercise therapy to help Francis regain her strength. Once that was done, the nurse visited Francis twice a week to check on how well she was recovering. The home health care agency also sent a homemaker, a personal care attendant, and a physical therapist to visit Francis several times during the week. The homemaker would do the shopping and cook light meals. The personal care attendant would help Francis bathe, get dressed, and walk. The physical therapist would keep Francis moving and see to it that she got some exercise to aid in her recovery.

 

 

 

 

 

 

 

 

 




By: Paloma Home Health Agency

Basics About Health Alternative

November 27th, 2009

many people are turning to health alternative therapy and medicine. Different types of therapies are used as health alternative therapies. Generally, these therapies are done to treat the diseases that ail people. According to a survey, almost each alternative therapy used to cure human health is also used for canines.

If you want to learn about the alternative therapy, then look for health alternative therapies on the internet. A number of therapies come under the umbrella of alternative therapy, such as acupuncture, homeopathy, herbal treatments, massage, and nutritional supplements. Many physicians suggest massage therapy as a health alternative. Massage therapy is considered a health alternative, because it helps you decrease the level of hormones in your body. There are a number of benefits of the massage therapy, as it relieves pain, boosts immune system, and increases circulation in your body.

Acupuncture as a health alternative therapy is also an effective therapy. The acupuncture therapy consists of inserting superior needles into specific areas on your body. This therapy is done in order to balance the flow of power in your body. Acupuncture therapy is an olden Chinese practice, which is always used to control disease and treat unending ailments.

A number of health alternative medicines and techniques are available in the drugstores. Tea with Tulasi leaves and ginger is also considered the best health alternative medicine. Fasting for a day due to stomach pain is also one of the health alternative techniques. This technique is used by people for a long period of time.

Many people these days try natural health alternative therapies for the strong health. Some of the most common natural health alternative therapies are messaging your temples to relieve a headache, listening to your car radio to de-stressing during a traffic jam, or applying an ice pack to a sprained ankle. People are using all these therapies for a long time as an alternative for medicinal therapies.

According to survey made by the World Health Organization, about 80% population of the world relies upon health alternative therapy as a basic form of health care. More and more people these days are turning to health alternative therapies, because the conventional medicines are unable to solve all of the health problems. Another thing is that this system of medicine is creating many health problems instead of solving them.

Acupressure as a health alternative therapy is considered one of the best health alternative therapies. It is a traditional Chinese medicine physical technique, which is similar to the acupuncture therapy. This therapy includes placing bodily pressure by elbow, hand, or with the help of different devices on various pressure points on the surface of your body. This therapy is done in order to bring greater balance and circulation of energies in your body. Apart from that, this therapy is also tried by many martial arts in China for health purposes as well as for self-defense. The most significant feature of the health alternative therapy is that it treats you as a natural entity instead of treating just a particular disease. Several scientific researches have also proved that health alternative treatments are more successful, more reasonable, and less inexpensive.




By: Caroline James

How To Get Health Insurance Coverage For A Family

November 25th, 2009

 A Family Health insurance offers you medical coverage and various health care benefits in case of unforeseen circumstances. The family health insurance and coverage takes into account the entire health care expenses and long-term nursing or custodial care requirements. To ensure the security of your family, it is imperative that you choose the right health insurance coverage.

Whether you are looking for family health insurance coverage or group health insurance coverage, opt for policies that provide optimum health care benefits at affordable premiums. The health care premium plays an important role while deciding on a health insurance. But always give importance to health insurance benefits and coverage.

The leading health insurance companies today offer group health insurance and family health insurance coverage with affordable premiums. With increasing heath care costs and greater awareness, people are now buying health insurance like never before. To make the most of this huge scope, the insurance companies are concocting various innovative health insurance plans, such as the floater concept and optimum tax saving plans.

The floater insurance is ideal for family’s health care needs. It covers the entire family under one insurance policy and one premium. The benefits/ coverage are shared by all the members of the family.

With so many plans in the market, it is important you choose the one that suits you the best wisely. Compare the rates and premiums at which these insurance policies are offered. Also compare the coverage and benefits included. Choose the health insurance plan that satisfies all your health care needs at the best premium. Also check for other benefits, offers or discounts available along with the health insurance plans. These may include free health check up or easy payment facilities.

Apart from affordable premiums, most of the health insurance companies offer a family health insurance plan on a cashless basis. Under cashless settlement of claims, the insurance company pays off the health care institute or hospital directly. Thus, you get the benefit of handling your finances and saving better. The insurance companies offer a range of insurance policies that differ in their extent of coverage. The premium also varies accordingly.

A basic family health insurance coverage includes costs of medical care and treatment of ailments and accidents that need hospitalization. Some insurance companies also offer critical illness coverage. Family health insurance plans also include benefits of tax exemption as stated under Section 80D of the Income Tax Act.




By: Lalit Kumar

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