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Cost of Elderly Health Care

admin — Sat, 05 May 2012 00:00:51 +0000

On average, the cost of elderly health care is $5,531 annually. Family members not only provide hands-on care but often dig into their own pockets to pay other expenses which include groceries, drugs and medicines, medical equipments such as wheelchairs, toilet seat risers and transportation. Many times family members have to miss work and lose out on their income to take care of elderly family members.

Many family members take loans, skip vacations and often ignore their own health. Government must start providing tax deductions and tax credits to family caregivers.

The expenditures incurred for elderly health care is increasing rapidly and reaching astronomical heights. Elders have many special needs when it comes to health care. One is often left frustrated when there are gaps in insurance coverage. Medicare programs offer only minimal assistance for serious health disorders.

There are some programs that cover senior citizens. It covers hospital expenses and doctor visits, even if you continue to work. All one needs to do is pay a premium every month. These programs are popular among a vast number of senior citizens.

One needs to apply for these programs before one reaches the age of 65. In case you don’t then one has to pay a high premium. One also has the option of enrolling for these programs after retirement.

The premium that one pays depends on your income and which company you will be purchasing coverage from. Senior citizens with low income are also eligible for the entire coverage under Medicare.

Prescription drugs which are used to treat a wide variety of diseases and illness are fully covered if one has a private insurance coverage. If you do not have private insurance, this could be matter of serious concern. Sometimes drug prices are simply not affordable, forcing the senior citizens to forgo other needs to pay for drugs.

Recent Medicare legislation has been a big disappointment for senior citizens, as drug coverage continues to be limited and fails to reduce the rising cost of drugs. Many seniors are forced to manage their medical plan on their own.

At times, the drug industry provides free drugs to the needy who are not covered under private insurance or any government program. Retail stores in the vicinity provide drugs at discounted rates. There are various medicine manufacturing companies that offer assistance to lower income senior citizens. One can seek out these discount programs if they have a financial need.

Health Insurance – High Deductible Vs High Monthly Premium

admin — Sat, 05 May 2012 00:00:40 +0000

What is the one decision that influences most peoples’ choices

Health Care Plan, Pros & Cons – What About the Constitution?

admin — Sat, 05 May 2012 00:00:19 +0000

There is daily coverage of the 2009 Health Care Reform Bill pros and cons. The coverage is incessant and well it should be. It will change our lives. However, there is a fundamental question that is ignored, what about the Constitution?

Very recently, Speaker of the House Pelosi was asked by CNS News, “… where does the Constitution grant Congress the authority to enact an individual health insurance mandate?” Her response was, “Are you serious? Are you serious?” CNS News: “Yes, yes I am.”

Later, Pelosi’s press secretary went on record as saying, “That is not a serious question.” My question: “Asking for Constitutional clarification is not a serious question?”

I have another question just how many of our Senators and Representatives do you think have actually read the Health Reform Act? Yes, I think you are right. Not very many.

Regardless, it seems to me that it is not within Congress’ or President Obama’s authority to dictate to any citizen whether an individual must carry health insurance. How about you? How do you feel about it?

It is like automobile seat belt laws. I know that there is evidence to support the use of seat belts. Still, in my naive way of thinking, I cannot accept being fined for not wearing my seatbelt. There is no evidence that my not wearing a seatbelt will hurt any one else.

So then, this law, the seatbelt law, is a law for my own good. A law passed by those that know better for my own good. Whatever happened to my unalienable rights? I realize that those unalienable rights are not part of the Constitution but they are words on which this nation was founded (The Declaration of Independence).

Some would argue that enacting a Public Health Policy requiring health insurance under penalty of prosecution falls under the Congress’ Constitutional prerogative or right and duty “to promote the general welfare”. I agree.Promoting the general welfare is Congress’ obligation. However, it is not their prerogative, duty or right to dictate the general welfare. Promoting and dictating are two distinct words with completely different meanings.

Any law that would require a citizen to insure himself for his own protection under penalty of prosecution is not promoting. That is dictating. It is enforcement, not a suggestion.

Do not confuse the likes of auto liability insurance, which is an enforced law in most of the country, with a required health insurance mandate.

Liability insurance protects you from the consequences of someone else’s actions. If someone causes harm or damage to you or your property, you have recourse. Liability insurance protects you from someone else’s negligence not your own.

Requiring liability insurance is promoting the general welfare. That mandate protects you from others. Health insurance protects you for you. It does not protect you from someone else.

Requiring me or anyone else to have medical insurance under penalty of prosecution is just plain wrong.

Maybe we should also require mandatory life insurance, so that I can pay those exorbitant funeral costs. What do you think?