Health Care for the Elderly Author:    Posted under: Health InsuranceHealth Insurance Types

In 2011, over 78 million will turn 65 years old, the age where health care starts to get really critical.  The population that comprises this bracket is being taken care of by about 48 million men and women, who do not receive the proper support they should be receiving as well.*

Truth is, there are not much doctors who specialize in the field of geriatrics, or the caring for the elderly.  In addition to that sad fact, informal caregivers in the form of family and friends are now constantly rising, since rates of home care are exasperatingly high.  These people, who do take care of their old parents or relatives, are also breadwinners in their own right.  They use up their own savings to sustain the medical attention, or even cut back on their own insurance expense to be able to shoulder the insurance of their elderly.

The United States government has come up with the PPACA or the Patient Protection and Affordable Care Act, signed by the President on March 23, 2010.  Under this law come the CLASS Act or the Community Living Assistance Services and Support Act.  Before it became law, it was introduced by the late Senator Edward Kennedy, and it would be able to allow people to purchase long-term care insurance through payroll deductions, and to receive cash to be able to pay for care, whether in an institution, or their own homes.

While this law is still being developed for America’s citizens, we now have a responsibility to make sure that our elderly still receive the care they need. Perhaps starting to care for our own parents and looking out for them is a good way to springboard this move.  It is not going to be easy given the financial crutches that the economy brings but planning ahead is always something good.  Never neglect to insure your family because at any rate, if an emergency strikes, whatever financial capability you have at that time may wipe you out.

Start by being active in your parents’ health care.  Know their medical histories, and keep records of these, or at least know where they are kept.  It would also help to know what medications they are taking, the dosage, frequency and type of drug, as these would be vital information to provide medical practitioners in the event that they will be incapable to do so.

Keep their agents or healthcare providers’ numbers handy.  Are your parents insured through Medicare, or do they have another health provider?  You can always consult the website regarding what is covered by Medicare, just so you can be able to decide what best to do for your parents.  It is also best to know if they are under long term care coverage, what facilities are covered under this policy.

It is always good to know that these days we can plan ahead and secure our family’s futures.  For some who may be under the pressure of purchasing an insurance policy for their family because of financial constraints, perhaps the law that was just passed offers a little ray of sunshine in getting them the insurance they need.  One thing is for sure- let us take advantage of what these assurances can offer us in the long term.  Security, after all, is what we are all after.



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