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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Request Skilled Therapy Before Leaving Hospital

Updated 1/16/09

If your loved one has been admitted to a hospital and needs skilled nursing therapy to regain some independence, make sure you inquire about it before you leave the hospital or soon afterward.

Medicare only allows admission to therapy within 30 days of a related hospital stay. There is no other legal way to receive this type of care through Medicare.

Though many people may tell you otherwise, there are two reasons why you shouldn’t try to fake an emergency to have your loved one readmitted to the hospital if your situation doesn’t fit within the rules. The first reason is you could be charged and convicted of Medicare fraud. The second is this country is in enough financial trouble right now without paying for unnecessary hospital bills. That money could be spent on care for your loved one.

If your situation falls outside the guidelines, pray about what to do next. You may also be able to find other options in your area if you call around.

To prevent facing this situation at all, make sure you read the latest Medicare rules if you haven’t already. Though keeping abreast of those rules may seem like an inconvenience, lack of understanding may someday hurt your loved one. It may also waste the government’s money and even more of your time and energy.

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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.