How Health Care Reform Efforts May Affect You (Corrected)

This was published yesterday with a different headline and slightly different text. Today I also changed the phrase “local and state” to “state and federal.”

Last week the Federal Centers for Medicare and Medicaid Services (CMS) reported that health care spending was 17 percent of the U.S. economy last year. By 2012, according to the report, state and federal governments will pick up more than half the tab. The recession has increased the number of people who qualify for state-funded Medicaid. As baby boomers retire, the Medicare rolls will swell.

Most people agree that health care reform is not an option. This video includes interviews with business leaders who support as well as those who oppose the current health care bills. Please watch, listen, and contact your legislators to share your opinion.

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Elder Law Can Interfere With Good Care

Updated 10/17/08

After reading this post, click read “Never Assume Anyone Thinks Like You” for more information.

Elder law sometimes works against the interests of caregivers and patients. Laws that were designed to protect patients and the government from scam artists have become a nightmare for a number of people who only want to do what’s best for their loved ones.

Many states require that patients sign separate Powers of Attorney to designate whom they want to handle their health care and financial decisions if they become incapacitated. The laws in some states require that courts approve conservators to handle these tasks if Powers of Attorney are not available. Conservatorships in my state cost $10,000.

Elders who were born in a time when families automatically assumed care for their loved ones may not be aware of the requirements until it’s too late. Limited finances may keep caregivers from going to court, and their loved ones could suffer as a result. Caregivers should only be forced into court proceedings in cases of obvious abuse. Policy makers should also adjust income levels for free or discount legal services to reflect today’s realities.

Another policy allows officials to seize the home of a patient who has been admitted to a nursing home if the expenditures for care exceed the patient’s income. In some states, those who transfer assets to qualify for Medicaid must do so five years before nursing home admission or lose their home.

To avoid seizure of the property until after they die or move, caregivers must live with the patient and play a part in delaying his or her admission into the nursing home for at least two years. Many caregivers ruin their own health by continuing to provide care in a desperate attempt to avoid losing what has become their only home. Some have been forced into homelessness after giving up because they couldn’t handle the stress or because the patient died too soon.

Why should officials take property they can’t use when someone needs it? A former neighbor of ours in another town lost her home when she was admitted to a nursing home. The vacant structure now serves as a haven for drug addicts.

As a current or potential giver or recipient of care, these laws could affect you someday. Contact your state and national representatives to demand that health care reform address these issues, the ones I addressed in my last post, and any other concerns you may have.

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Jacqueline Laurette Jones is author of Unmasking a Diagnosis: How to get Help for a Confusing Chronic Illness Without Filing for Bankruptcy.

Radical Change Can Save Medicare, Medicaid

Updated 10/17/08

The next president of the United States must address the challenge of trimming Medicare and Medicaid costs. The vast baby boom generation has just begun to require services. Young and old citizens alike are succumbing to chronic diseases that can require years of expensive treatments. Many enter the system years ahead of schedule because of partial or total disability.

As a person living with and caring for someone with chronic illnesses, I want to share the following strategies that could greatly reduce the costs associated with these and related programs.

Redistribute a large portion of the funds now set aside for nursing home care into agencies that provide home care, day care, and respite services. The current regulations are absurd. Many caregivers provide full-time care for their loved ones because they can’t afford to send them to nursing homes or because most nursing homes have such bad reputations. The stress of attending to someone around the clock can lead to disability, premature death, or an illness that requires both the caregiver and patient to be admitted to a nursing home, in spite of the caregiver’s heroic efforts.

In addition to the in-home medical care and health education now provided, caregivers need help with bathing their patients two to three times a week and cleaning their homes once a week. Sitters and overnight respite care should be available as necessary. If based on individual family circumstances and guided by practical regulations, these services could help to reduce the number and length of nursing home admissions and create new jobs.

Require certification of non-medical home care agencies and training for their personnel. The pay is often so low that many of the workers don’t take their jobs seriously. Requiring certification and training would justify higher fees and wages and attract more responsible individuals into these positions.

Simplify paperwork for medical professionals. The amount of required documentation increases the cost of medical care and frustrates providers. The number of providers who will accept new Medicare patients in my city shrinks almost every month.

Reimburse non-traditional services provided by practitioners of functional medicine (FM). Unlike mainstream or allopathic medicine, functional or systems medicine addresses the causes of disease. FM practitioners focus on prevention as well as treatment of chronic diseases.

Give enough in food stamps to cover the cost of nutritious meals. Malnutrition leads to disease. Most people I know who are on food stamps run out of food long before the end of each month. A friend of mine, who is disabled, receives $10 a month. That won’t buy enough food to keep a cat healthy.

Ask recipients and providers how to improve these programs. Participants understand the weaknesses and strengths of the system.

For more on elder care issues, read my next three posts, “Elder Law Can Interfere with Good Care,” “Never Assume Anyone Thinks Like You,” and “Blog Offers Thanks for Spotlight on Elder Abuse.”

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Jacqueline L. Jones is author of Unmasking a Diagnosis: How to get Help for a Confusing Chronic Illness Without Filing for Bankruptcy. The book is available through Lulu.com and soon will be available through Amazon.com and other online book retailers.

Parties Unite to Fight Medicaid Cuts

According to the New York Times, last Wednesday two-thirds of Republicans in the House joined with every voting Democrat to block a White House proposal that would cut $13 billion from Medicaid over the next five years. [Read more...]