Elderly Health Care A Financial Challenge for FamiliesTotal health care for the elderly poses an enormous challenge for many families in the face of ever-rising individual healthcare costs. Typically such costs can set you back five and a half thousand dollars or more yearly.Elderly Care Services Are ExpensiveToday, drugs to treat older people are becoming extremely costly and not getting the right individual health coverage early with affordable health insurance plans can mean bearing an exceptionally and financially heavy burden that will more often than not turn out to be crippling for the ‘man on the street’.Older People Are Medically More VulnerableWhen it concerns some of the more pressing elderly health care issues, vascular dementia will most likely top any list that may also include conditions like Alzheimer’s and Parkinson’s diseases. Among so many different conditions, vascular dementia is one big concern. Though it doesn’t get much media attention, it can severely affect any older person suffering from it and so, should be regarded seriously and addressed appropriately.Costs of Healthcare Only Go UpWhat’s more, every day senior health insurance costs are rising and are going through the roof. Not all of the costs are covered by individual health plans and even the cover from Medicare is low at best – particularly when treating serious, chronic health or medical conditions for older people.However, all isn’t lost because by having a look at certain health care resources that are especially catering to the needs of elders that pay for total health care for the elderly costs including hospitalization costs as well as visits to doctors, you can ease the heavy financial burden.Elderly Health Insurance – It Pays to Start EarlySelecting the right, affordable elderly health insurance plans before reaching the age of sixty-five can prove to be extremely useful in covering costs of total health care for the elderly. By paying a certain elderly health insurance premium on an once a month basis you can cover some of the high costs of dedicated elderly care services.Lastly, keep this in mind: Unlike individual healthcare for the average joe, money alone may not help when it comes to offering holistic elderly health care with the right individual health coverage.
The preference for minimal government oversight and ideas of individualism are responsible for the way American health care system is structured. However, access to health insurance and health care has been a pressing issue in this nation for a long time; rated by the WHO as one of the worst among industrialized countries, the United States’ health care system is too costly and fails to cover everybody. Despite president Obama’s attempt to bring about change, many continue to question the effectiveness of the Patient Protection and Affordable Care Act the concerning both costs and overall coverage. The issues regarding health care reform directly affect the feasibility of the American Dream because adequate health care and insurance are necessary to full citizen participation and it is the government’s responsibility to provide access. I believe that given this nation’s strong anti-statist values it will be difficult to implement a federal health care policy; therefore it is more feasible for states to create health reforms like the one in Massachusetts and ensure universal health care.In 2007, the US health system presented many problems concerning the amount of people who were both uninsured and underinsured and the fast rise of insurance premiums causing many Americans to report debts and problems due to medical bills (Commonwealth Fund Commission, 232). The cost of American health care is inarguably one of the major setbacks of the system; it is the highest amongst those of other industrialized nations but not necessarily more effective. For instance, a case study in the town of McAllen, Texas, shows how the overuse of medicine and the “fee for service” incentives available to doctors can really drive up the cost of medicine. McAllen is one of the most expensive health care markets in the country where most doctors focus less on preventive care and more on running extra tests, services and procedures out of fear of malpractice, influenced by differences in training, or simply to make a few extra dollars. (Gawande, 340-342). Although the situation in McAllen might be an extreme example, it does not fail to explain how the “culture of money” partly affects the cost of health care system. Unlike systems such as Canada and Japan, the American government plays a minimal role in bargaining down prices or setting price standards, this lack of control allows doctors and medical institutions to often purchase the latest technology, but not the most efficient (Klein, 256). Nevertheless, doctors are not to be labeled as the villains because private insurance companies add to the problem by expending a quarter and a third of their revenues on administrative costs (Weissert and Weissert, 350).The high number of uninsured Americans (45 million in 2007), is another disconcerting fact regarding the downfalls of the American health care system; it is unfortunate that in an industrialized nation, once considered the most powerful in the world, people are often forced to put their career dreams on hold in order to gain access to employer based insurance. This has a negative impact on the nation’s economic and political development because people who could create the latest technological innovations are “locked” at Wal-marts and the likes. Low income uninsured families like Greg and Loretta, who struggle to keep their children healthy, lose all faith in the American dream and essentially become a burden for the rest of society. Some argue that good health is a personal responsibility, and yes eating a burger everyday will obviously have negative impacts on a person’s health and they should be held accountable for those poor choices. Consequently, some would blame Greg and Loretta for their unfortunate condition, but the question is; how can their children be expected to become productive citizens if they lack basic health care? The American Dream encourages individualism, but individuals cannot perform to the best of their abilities if they lack the necessary tools to do so.In 2006, the state of Massachusetts passed an “ambitious” health care reform that improved access to care and lowered the rate of uninsured working age adults; in spite of its high costs, this plan exemplifies how reforms at the state level can perhaps be easier to implement and regulate, consequently having successful results. The plan is essentially composed of three parts: expansion of the state’s Medicaid progress (establishing income-related subsidies), creating new private insurance plan open to individuals, and lastly it requires that both individuals and employers participate in the health insurance system or pay a fine. Furthermore, it provides individuals with the alternative to buy from private insurers if they do not have access through an employer (Long, 321). Mixing public and private markets achieves near-universal and gives citizens options.Two of the most important elements of this reform are the certainty of having access to coverage in the case of unexpected unemployment and not having to worry about rejection due to pre-existing conditions (Kaiser Family Foundation, 325). The economic downturn has and continues to hurt many families, many jobs are uncertain and health insurance is no longer secure, therefore by making sure citizens continue to have access to health coverage, the state of Massachusetts is essentially contributing to the overall development of the nation’s economy. When people are not worried about paying astronomical medical bills, they have more time and money to spend on purchasing houses, cars, etc which ultimately results in consumerism and more profits. Lastly, the Massachusetts provides citizens with high quality care that allows them to make regular doctor visits and access specialists, tests and medications as needed (Kaiser Family Foundation, 328). This approach is similar to the preventive care practiced in countries like Great Britain; essentially it is more beneficial for both the doctor and the patient to treat any conditions before they get out of hand.Although the Massachusetts health care reform has proved to make significant improvements, like any other reform it has its downsides which may lead people to focus on the inequities and overlook the success. For instance many Massachusetts residents believe that more education about key aspects of the health reform would help better understand how the programs work. Residents are specifically interested in income limits to qualify and how to apply for coverage (Kaiser Family Foundation, 331). It is expected that citizens have questions about newly implemented programs and that they may not understand specific medical, political or economic jargon, but this is not a major concern because education can be easily provided. On the other hand, some would argue that the high cost of this plan is indeed a significant problem which must be addressed; nevertheless Massachusetts legislators are aware of the cost and are working to stabilize the finances. Firstly, they want a new payment of method that rewards prevention and effective control of chronic disease instead of paying according to the quantity of care provided. Secondly, the commission is looking to reimburse physicians for episodes of care rather than individual visits. Health experts agree that if Massachusetts is able to implement this changes, it will be as “audacious an achievement as universal healthcare” (Sack, 334-336).Today, the future of president Obama’s Patient Protection and Affordable Care Act is somewhat uncertain. Republicans want to repeal it and skeptics argue that it is not going to solve the existing problems. Although this reform promises desirable aspects like overall coverage and cost reductions, the results are solely based on projection, making it difficult to guarantee that it is going to be successful. The Massachusetts health care plan has already been implemented and proved to create significant improvement. Essentially this model presents an effective alternative for health care reform and it celebrates the values of anti-statism by allowing states to make their own decisions.Works Cited
Commonwealth Fund, “Why not the Best: Results from the National Scorecard on US Health Performance”. July 2008
Gawande, Atul. “The Cost Conundrum”: What a Texas town can teach us about health care. The New Yorker 1 June 2009
Kaiser Family Foundation, “The Uninsured: A Primer”. October 2008
Klein, Ezra. “The Health Nations: How Europe, Canada, and Our Own VA Do Health Care Better”. The American Prospect. 7 May 2007
Long, Sharon K. “On the Road to Universal Coverage: Impacts of Reform in Massachusetts at one year”. The Commonwealth Fund. June 2008
Sack, Kevin. “Massachusetts Faces Costs of Big Health Care Plan”. The New York Times. 16 March 2009
We left off with my last article of “Discover How a Quick Weight Loss Can Be a Healthy Weight Loss – Phase II”. In review, you learned how to exercise regularly in order to ensure that your healthy weight loss is also a quick weight loss. Now, we are on to Phase III of your healthy weight loss and quick weight loss journey. What is the third and final fitness tuning path that I must pursue after you have adopted a complete and healthy diet and a regular workout routine? What is the last and final path towards your healthy weight loss and quick weight loss?Phase III of your healthy weight loss and quick weight loss journey is your intake of fluids. Ok, stop the presses! You mean that what I drink actually matters when it comes to a healthy weight loss and quick weight loss? The answer is yes, big time! Everyone knows that you must hydrate yourself in order to survive. In fact, everyone knows that you can die of dehydration sooner than you can die of hunger. So, the fluids that you put into you body are extremely important when it comes to the success of your healthy weight loss and quick weight loss journey. In fact, fluid intake is critical upon the success or failure of your healthy weight loss and quick weight loss endeavor.Water is the first key liquid in your healthy weight loss and quick weight loss journey’s success. Water is extremely important when it comes to your body. First of all, you body is 80% water. Without a constant intake of water, your body would eventually start shutting down until you died. So, we take water pretty seriously when it comes to a healthy weight loss and quick weight loss. Water hydrates your body, is used to flush toxins from your system, and keeps your lungs moist during cardiovascular activity. It is recommended to take in 8 – 10 8oz. glasses of water per day, and I recommend that you start doing so. Your body must have plenty of water to do its part in achieving a healthy weight loss and quick weight loss. Take a large water bottle and a cup with you to work. When the water bottle is empty, then refill it. Having the water present will encourage you to drink it more often. Your body will thank you for it by flushing out the toxins from your system that can actually impede upon the success of your healthy weight loss and quick weight loss journey.Coffee and soda must be eliminated from your diet to succeed in your healthy weight loss and quick weight loss journey. Soda should only be had occasionally as a reward for your hard work. For me, I have a soda when I have pizza, and that is about it. Your healthy weight loss and quick weight loss is dependent upon a minimum amount of caffeine intake, and increased water intake when drinking caffeine. Caffeine is a diuretic, and will actually pull the water from your body. This is extremely bad when it comes to your body operating at top efficiency while you’re exercising. Believe me, you will feel the difference! I will treat myself to the occasional energy drink in replacement of my afternoon snack mentioned in Phase I. However, your journey towards a healthy weight loss and quick weight loss will be an unpleasant one with too much caffeine intake.Green tea is the best and highest recommended caffeinated beverage that you can have for your healthy weight loss and quick weight loss journey. Most of them are even decaffeinated! I would recommend that you have 3 – 4 cups of hot green tea per day. Studies have shown an increase in energy levels and metabolisms for subjects who took in certain quantities of green tea on a daily basis, which also resulted in reduction of body fat content. The study showed that for positive results, 3 cups per day were necessary for a 156 lb. subject. (More information on the health benefits of green tea will be made available to members of my website listed below.) However, in relation to your healthy weight loss and quick weight loss journey, you have just found your replacement for coffee!For those of you that want something more to drink during your healthy weight loss and quick weight loss journey… When it comes to fitness tuning, you want to choose wisely about what you put into your body, and not base your decision upon taste alone. Unfortunately, the majority of people base their beverage choices on taste and usually upon it being a sweet taste, which means too much sugar. However, there are a few key beverages that can give you some flavor variety, as well as give you a healthy weight loss and quick weight loss boost as well!POM Wonderful 100% Pomegranate Juice – Packed with cancer fighting anti-oxidants, and was rated as the top source of anti-oxidants of all beverages on the market.Vitamin A & D Organic Milk & Organic Soymilk with Calcium – Fatty acids, calcium, Vitamin A & D, as well as isoflavones and protein with the soymilk, give you more health benefits than you can shake a stick at.Tropicana Essentials Fiber, Heart, & Antioxidant Advantage – Packed with Vitamin C, the Essentials line of Tropicana orange juice offers a wide variety of health benefits tailored for your specific needs.Sobe No Fear (Sugar Free) – I have found this to be the best of the energy drinks on the market for me. I don’t drink them every day, but they serve well on a jam-packed day of 10+ hours of work followed by time at the gym. (Remember: drink extra water when drinking caffeine!)Gatorade Performance Series & Propel Fitness Water – Jam packed with electrolytes, I try to drink the Performance Series an hour before my workout, and follow my workout with a Propel Fitness Water.Changing the quality of fluids taken into your body each day is the final path toward your healthy weight loss and quick weight loss journey. You now have at your disposal the three phases to your healthy weight loss and quick weight loss success. Ensure that you adhere to the promise that you have made to yourself, and ensure that you follow all three paths. Your success in your healthy weight loss and quick weight loss journey is dependent upon you and you alone. Further information will be distributed to members of my free membership site listed below. You will gain access to fitness tuning nutrition, dieting, and fitness information, including information relating to all three phases of your healthy weight loss and quick weight loss journey. So, embark on your journey and lead the way to your healthy weight loss and quick weight loss success!
Since, we don’t have a crystal ball, it is impossible to predict, accurately, the future! This is especially true, when, it comes to economic issues, including investment, real estate, interest rates, inflationary pressures, government actions, international factors, etc. What are the ramifications of inflation, recession, interest rates, Federal Reserve Bank decisions, etc? How can one, hedge – his – bet, in order to minimize unnecessary risks, while receiving a quality return, also? There is no simple answer, because so many factors, have significant influences. With, that in mind, this article will attempt to briefly, consider, examine and review potential factors, in order to help readers, have a more – complete understanding of the possibilities.
1) Interest rates: We have experienced a prolonged period of historically – low – interest rates. This has created easy money, because the cost of borrowing is so low. Both individuals and corporations have benefited, at least, in the immediate- term, permitting home buyers to purchase more house, because their monthly charges, are low, due to low mortgage rates. Corporate and government bonds, and banks, have paid low returns. It has stemmed, inflation, and created a rise in home prices, we haven’t witnessed, in recent memory. The Federal Reserve Bank has signaled they will be ending this propping – up, and will also raise rates, probably three times, in 2022. What do you think that will cause.
2) Auto loans, consumer loans, borrowing: The auto industry has been, significantly, impacted by supply chain challenges. When rates rise, auto loans and leases, will be more costly.
3) THis pattern began after the Tax Reform legislation, passed at the end of 2017, which created the initial, new, trillion dollars deficits
4) Government spending, caused by the financial suffering and challenges, because of shut downs, etc, because of the pandemic, created trillions more in debt. Unfortunately, debt must be eventually addressed.
5) Perception and attitude: The past couple of years,apparently, created a public perception, plus many fears, with a crippling economic impact.
Either, we begin to plan, effectively, and with common sense and an open – mind, many will be at – risk. Wake up, America, and demand better leadership, service and representation.