Health Care Concerns

Biggest Challenge: Concern About Our Health Care

--Donald

Response from DM:

Dear Donald,

I think we are all concerned about our health care, both on a personal level and on a governmental level. That is why I traveled across the country on a 9-week bus tour, visiting with individuals, organizations, professionals in the industry, and caregivers. The bottom line is that we are all in this together yet we each have our own personal responsibility. People often find out what is covered by their health insurance and what is not, only after having to go to a hospital. If you have a long term health issue or event, you will find out what is covered by the various governmental components or subsidies, as well as what is not covered—and you will have to pay out-of-pocket for anything that is not covered. The time to do your homework is now, before an event, accident, incident, or disaster happens.

We are each responsible for finding out from our insurance companies what is covered and what is not. If you have a policy through your employer that is in place already, you can find out your level of coverage from your human resources department. It is important to figure out if you need to seek out and pay for additional coverage for yourself and your family. It’s also worthwhile to find out the costs involved, in your area, for home care, hospital charges, assisted living, and nursing facilities. Also, find out the costs for rehabilitation units, respite care, and hospice care. Having an idea of the costs for various levels of care can help you in your planning. Some of this information can be retrieved from 3in4needmore.com. You can use their calculator to find information on some of these topics by zip code.

Most of us are very busy and don’t have time for research, but the cost of being uninformed is even higher. When an incident happens and we have to make a fast decision, we want that decision to be the best one available; in order to do that, we need to be aware of all the options. Resources are available, but it is up to you to seek them out and figure what is best for you, as well as the people you are concerned about or responsible for. I know this may seem like a lot of work, but being proactive rather and reactive will give you peace of mind and informed results in your time of need. 

Most Sincerely,

Dr. Marion  

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