Long-term care can have a different definition for each individual. Before taking this course my understanding of Long-Term Care was a community that the elderly would live in when not being able to take care of themself or not have a caretaker. However, having been able to obtain more knowledge on the subject, Long-Term Care can vary from Adult Day Care to Assisted Living. There are different options to choose from when having to choose a Long-Term Care facility for you loved one.
An Adult Day Care is similar to a child day care. It is a facility where one can drop off a loved one while they are at work and can then pick them up at the end of the day. These facilities offer the amenities ...view middle of the document...
When a patient is transferred to hospice care it means the patient is in very bad condition. These are some of the most common of Long-Term Care facilities.
In order to keep these facilities running there has to be some sort of income. The most common source of income for these facilities is those paying out of pocket. Most of insurances don’t cover Adult Day Care, Assisted Living Facility or Nursing homes, they require for patients to meet certain requirement in order to be covered under insurance. Although Medicare typically covers for 80 percent of medical expenses and Medicaid covers the co-insurance, not everyone is able to qualify for Medicare and Medicaid. Private insurances are pickier on what is covered.
I believe the top three issues the elderly face in terms of Long Term Care is having a caretaker, insurance and discharge plans. Having a caretaker is extremely important once you’re in the stage of needing medical attention and someone to look over you. There are plenty of people who do not have a caretaker at home whether it is a loved one or nurse who can provide them assistance on a daily basis after an operation. When one doesn’t have a caretaker they are forced to go to Nursing Care facility until they are independent. Even then, the patient needs to meet the nursing care facility requirements in order to be admitted.
Insurance is a big deal in this country, those who are low-income typically qualify for Medicaid or while admitted can quality for financial assistance from the hospital. However, those who do not qualify for either one need to pay out of pocket. We all know how high a hospital bill can be, even though hospitals will offer you a payment plan it is still a high cost for medical attention that most people don't have the income to pay back. Those patients with private insurance at times still have to pay either deductible, co-payment or out of pocket cost.
Last but not least, a discharge plan is very important. It can be home, nursing home, assisted living facility or hospice. But it is extremely important that the patient has somewhere to go after being discharged. A patient is not to be discharged without a discharge plan. This all takes in to place the three issues elderly face: caretaker, insurance and discharge plans. It is important to know the discharge plans because the patient would still need assistance after discharge and would still need medical attention.
The Long-Term Care in the United States is entirely different than in other countries. The United States does not require for everyone to have insurance and requires for those with insurance to see their Primary Physician in order to obtain a referral to see a specialist. Also, the expense of an admission to the hospital or a visit to the doctor is extremely expensive compared to other countries. Medical personnel make a high salary for a poor quality of work. When going to see a doctor, you can probably say the amount of time the doctor...