health

Health Care Spending Per Person Hits New High

October 10, 2016 By Twila Van Leer

Rising healthcare costs are a big concern.

Health Care Problem For New President

Whoever wins the current presidential election will inherit a scary health care reality when he/she takes office. For the first time in history, health care spending in America has topped, on average, $10K per person. That means the new president will be stuck with an unprecedented problem in how to provide the health care that was initiated during the Obama years.

Increase In Total Cost

The bean counters in the Department of Health and Human Services announced the new high last month and predicted that the total cost will increase by 5.8 percent annually from 2015 to 2025. That’s less than the increases from 2007-09, just before the Great Recession, but faster than in the post-recession years, when health care spending kept pace with modest economic growth.

Average Per Person

The per-person average of $10,345 is part of the $3.35 trillion total in health care expenditures expected this year. The annual increase for 2016 is expected to be lower than the forecasts for the rest of the decade.

Attributing Factors

DHHS experts attribute the rise to a stronger economy, faster growth in medical prices and an aging population. The Medicare and Medicaid programs that provide for the elderly and needy are both expected to see new demands as the baby-boomers shift into these categories. By 2025, the experts say, government spending at all levels will account for nearly half of all health care expenditures, an estimated 47 percent.

Obamacare

If Obama’s health care reforms survive attacks from the Republicans, the experts project that more than 90 percent of Americans will have some form of medical insurance.

Republican and Democratic Plans

The figures are causing major angst for both major political parties. Republican nominee Donald Trump has declared he will do away with Obama’s plan while preserving Medicare and seeing that Americans are not “dying in the streets.” Democratic choice Hillary Clinton promises to expand government health care benefits.

Prescription Drug Costs

Both candidates say they will tackle the high costs of prescription drugs and the resultant drain on health care dollars. But the extension of benefits to millions of Americans through Obama’s plan will inevitably add to the overall total unless changes are made.

Out-Of-Pocket

The DHHS report, published in the journal Health Affairs, also predicts that Americans will pay more out-of-pocket for care as the number of people covered by high-deductible plans continues to grow.

Caregiver Survival Tips

July 8, 2016 By Twila Van Leer

Anyone caring for the ill or elderly people needs to know a few caregiver survival tips. Caregiver burnout is a reality that can drain physical and psychological resources to the limit.

Caring for a family member who is ill or disabled can be a draining, depleting experience that calls for adjusting schedules and setting priorities, according to experts. The solution is effective time management that gives you some breathing room during demanding days.

Caregiver Survival Tips

Focus on what must be done and put other items into a “can wait” category. Do the most demanding things first, at the beginning of the day when you’re at your best. Be flexible so you can handle unexpected demands.

Make Some Time For Yourself

Failing to eat healthfully, exercise and allow yourself some “down” time to restock and restore can quickly lead to burnout. Try to prepare some healthy snacks, rather than grabbing what’s fast and convenient. (How come that seems to include everything you have an appetite for?)
Some physical activity, such as a walk, can help defuse stress and give you a mental lift. Don’t let your caregiving responsibilities keep you from getting adequate rest. If your patient naps, you do the same.

Use Technology To Help With Time Crunches

You may spend a lot of time in medical settings with your “patient.” Use a smartphone or other portable device to make use of waiting time to keep others updated, check your emails or simply listen to music or podcasts for a break.

Organize And De-Clutter

Caring for a person who is ill or otherwise in need of constant attention can be stressful. Messiness in the surroundings can multiply that stress. An organized environment will make it easier to deal with the demands of caregiving. Clean up messes as you go. Have a place for everything and keep “stuff” in its proper place. That takes a lot less time than cleaning up when things get into disarray.

Know And Acknowledge Your Limitations

Be honest about how much you can give to the demands placed on you. Often, the person being cared for is a loved one and you may be tempted to push yourself beyond your limits to provide the needed care. But failing to recognize signs of burnout may be detrimental to both you and the person for whom you are providing care. If it is possible, build a network of family or friends who can give you a needed break now and again. Look into community and social resources for help as needed. Physicians and other caretakers may be able to offer suggestions.

Medicare Benefits That May Help

June 28, 2016 By Twila Van Leer

Medicare Benefits

Learning about the benefits of medicare can be a daunting process. In the words of Jaryn Laengrich, chief service officer at Cariloop, a Medicare service to help people caring for elderly persons, it is a “sprawling, complicated piece of law” that can be baffling. She notes these little known medicare services that the eligible may find useful.

Medicare Annual Wellness Screening

Medicare benefits allow you an annul wellness screening by a primary care physician. The objective is to prevent illness where possible. It includes an extensive appointment with a thorough review of the patient’s medical history. An Alzheimer’s screening is part of the exam if the physicians thinks it necessary. The wellness screening is offered through Part B.

Alcoholism Screening

Screening and counseling for alcohol misuse. Widowers over the age of 75 have the biggest problem with alcoholism, according to the National Council on Alcoholism and Drug Dependence. More of those in this demographic are hospitalized with alcohol-related problems than for heart attacks. Annual screening is allowed by Medicare, if performed by a primary care physician. Four counseling sessions will be compensated, as well.

Balance Screening

Falls are a serious problem among the elderly. Medicare B will pay for 80 percent of a thorough screening to determine if balance is a problem and what might be the cause.

Obesity Counseling

Those enrolled in Medicare Part B. who have a body mass index score of 30 or higher may receive counseling in a primary care setting. The program also will pickup a major part of the cost of bariatric surgery aimed at reducing obesity. The amount depends on a patient’s Medigap supplement plan.

Shingles Vaccination

Shingles is a painful and distressing disease that can strike anyone who had chicken pox as a child. The coverage is included in Medicare Part D, which provides for medications.

Diabetes Self-Management Training

Medicare pays 80 percent of the cost of 10 training sessions, including one one-on-one visit with a specialist. The remainder are small-group sessions. The intent is to improve diabetes management. The disease can be debilitating and cause severe effects.

Hearing Tests

Although Medicare won’t pay for hearing aids, it will cover examinations to determine hearing loss. Efforts to get hearing aid coverage have failed to pass muster in Congress because of the scope of the problem. An estimated 37 million Americans suffer some hearing loss, but only 30 percent need hearing aids.

Hospice Care

Many Medicare recipients are not aware that they are eligible for end-of-life care. It is focused on palliative treatment, and is available only to those who are believed to be within six months of death. The patient must agree to forego treatment aimed at curing. Care usually is provided in the patient’s home and involves a team that includes a physician, nurse, social worker, chaplain and volunteer. The objective is to provide as much comfort care as necessary for the patient in his or her final days.

Paid Parental Leave Largely Ignored

April 22, 2016 By Twila Van Leer

Fear of job loss factor in ignoring parental leave. — Fear of loosing a job a factor in people not choosing to use parental leave.

More states are joining the effort to require employers to provide paid maternity leave, but the programs seem to be vastly underused, according to Business Insider. A growing number of employers are opting to provide the service even if their states do not require it. But surveys show that the programs are not being used to their potential. For instance, in California, where parental leave will be paid for six weeks at 55 percent salary, only 25-40 percent of eligible mothers use the leave.

The benefits of being paid at least a percentage of income for several weeks to welcome a new family member should be encouraging. Studies show that there are increases in employee morale, healthier babies, better bonding and fewer problems down the road that require state assistance.

So why are employees not taking full advantage of the option? Studies have consistently shown the following as reasons:

People Fear They Will Lose Their Jobs

In some cases, discrepancies between state and federal laws mean that the employee may have to choose between the paid leave and job loss. Gaps between the federal Family Medical Leave Act, which has guaranteed job protection for some, leaves other employees vulnerable. The act ensures job security up to 12 weeks of unpaid leave, but only for those who work at least 1,250 hours per year at businesses with at least 50 employees. Statistics show that more than half of all American workers are employed by small businesses that don’t meet the requirement.

The Possibility Of Negative Career Outcomes Deters Many

Even if they have FMLA assurance that their job will be protected, there is subtle evidence that employers may discriminate against workers who accept the leave. The New York Times reported survey results that showed women, after passage of FMLA, were 5 percent more likely to keep their jobs, but 8 percent less likely to get promotions. Men who take advantage of the leave may get negative performance reviews and there is a perception that workers of either gender are less committed to their jobs if they stay home for awhile after the birth of a child.

Many Workers Are Not Aware That They Are Entitled To Paid Parental Leave

In California, 12 years after the state initiated its paid leave provisions, only 36 percent of workers were aware of the program, according to paidfamilyleave.org. The organization’s survey also showed that those in the age group 18-29, Latinos, less educated workers and those in lower income brackets – those most likely to benefit from the program – were not aware.

The question of paid maternity leave is gaining momentum, but these obvious flaws must be addressed before it will be a viable option for the many Americans who work during the childbearing years.

Retirement Planning With Bridge Jobs

April 20, 2016 By Twila Van Leer

Many elderly are turning to bridge jogs in their retirement. — Many elderly people are turning to bridge jobs in their retirement.

For many Americans, the jump from employment to retirement means getting a bridge job. A bridge job is a bridge between full-time work and retirement for workers who are approaching full retirement but are not quite ready to totally leave the workforce. For some, that interim step can last for years. Retirement is no longer an event, but a process.

Lifestyle Choice

Many workers actively plan for an “old-age” job for many reasons. About 60 percent of aging workers take the bridge job route, according to a University of Minnesota study. And it isn’t just those at the low end of the financial totem pole. Many who look at today’s longevity stats and their relatively better physical condition choose to work awhile longer as a lifestyle choice. A fair number even “come out” of retirement and seek a bridge job. They could get by on their retirement savings, but find life without work doesn’t mean as much. They enjoy the extra income, but view the time filled with useful activity as an even greater bonus.

Erosion Of Retirement Savings

It is now so common that some financial experts look at it as just another job in a lifetime career. Most of those in the workforce now see multiple jobs as part of the standard scenario. The erosion of retirement savings is a factor, as well. Defined-benefit retirement packages are becoming rare and programs such as a company-sponsored 401(k) are taking their places. The move to a 67-year-old retirement target, rather than 60 or 65 amounts to a reduction in benefits, experts point out.

Lower Paying But Flexible

Bridge jobs tend to be lower-paying than the careers the elderly are leaving behind, are less likely to add anything substantial to retirement cushions and may be less strenuous. But the advantages may include more time flexibility, including part-time work.

Rewarding

Some seniors find this as an opportunity to look for jobs in a sector in which they have had an interest, but bypassed during the usual career period in favor of things that paid better. One woman, for instance, went into an education job that was very rewarding to her personally, though it paid much less than her career job. Such teaching or tutoring jobs are very attractive to those whose professional work enhanced their value in an education setting.

Working well beyond what was once considered time to retire is a necessity for some, a welcome change for others. As long as health allows and mental capacities hold up, some opt to keep on keeping on. As one women well into her 90s remarked, “By the time I’m 100, my finances may be in better shape and I can consider retirement by then.”