Respiratory Help Is Available For Seniors With COPD
As HMOs Continue to Drop Coverage for Seniors - Now Over 500,000 Victims - Those Needing Expensive Respiratory Medication, Support and Homecare Services are the Hardest Hit
One Patient Advocate, Geriatric Services of America, is Providing Relief to Victimized Patients Through a Unique, Often No-Cost Program
More than 536,000 US senior citizens are scrambling to find new doctors or new coverage because their health plans terminated their Medicare managed-care services, according to a Nonrenewal Report issued by the Centers for Medicare & Medicaid Services for the year 2002. Among the hardest hit are seniors in California (84,000), Florida (59,000), Pennsylvania (55,000), New Jersey (53,000), Texas (46,000), and Michigan (31,000), who will be losing coverage in the coming year. Even those with continuing coverage face substantial premium hikes and dwindling drug benefits. Particularly hard hit will be those with chronic illnesses such as respiratory disease, who will bear the brunt of high medication and healthcare costs.
Though all seniors 65 and older are covered by Medicare, those enrolled in managed-care programs agree to see doctors within a limited network and receive additional benefits, such as preventative care and prescription-drug coverage. The current coverage crisis stems from rising delivery costs and limited government reimbursement, as doctors and hospitals increasingly balk at seeing Medicare HMO patients, since they aren't sufficiently reimbursed for their services. Without enough doctors and hospitals providing care, an HMO can't serve its members. The problem is worst in large urban markets, where more than half of Medicare + Choice beneficiaries live nationwide but where reimbursement rate increases have trailed rising costs since 1997.
To compensate for the funding shortfall, premiums for seniors retaining Medicare HMO coverage are expected to spike while benefits dwindle in the coming year. In California's Sacramento-area, for example, monthly premiums for Kaiser Permanente's Senior Advantage Medicare Plan will double from $40 to $80 starting Jan. 1st. Healthnet, following suit, is raising premiums 50 percent, from $40 to $60 per month for its Seniority Plus members in the area. Pacificare and Western Health Advantage, while holding monthly premiums at $50 in their Sacramento-area Medicare plans, will eliminate brand name drug coverage next year.
Across the nation, seniors caught between rising premiums and shrinking coverage will find themselves in a similar bind. Even those with Medigap policies will feel the squeeze. Medigap policies A through J, for instance, have minimum standard benefit packages, and the H, I, and J plans covering prescriptions have annual drug caps ranging from $1,250 to $2,000.
For the 30 million Americans with a Chronic Obstruction Pulmonary Disease (COPD) such as asthma, emphysema or cystic fibrosis - collectively the fourth leading cause of death in the US, however, help is available with Geriatric Services of America (GSA), a national community service organization based in Tempe, Arizona which provides direct help and support to older Americans suffering from chronic respiratory disease. Through its Respiratory Disease Control Program, GSA provides access to a comprehensive range of special medication benefits, as well as support and homecare services, which eliminates out-of-pocket expenses for patients with primary or supplemental insurance coverage.
Through GSA's patient support center, nebulizers and respiratory medication are provided and paid for with free home delivery, conveniently packaged and ready to use. GSA handles all paperwork, and clinical Patient Care Coordinators work with doctors and insurance companies once a patient has enrolled in the Respiratory Disease Control Program. Patients can enroll themselves in the program; there is nothing to buy, and no enrollment or membership fees.
Currently, Medicare, AARP, Blue Cross, Blue Shield, and over 180 other insurers have special benefits for patients with respiratory disease. GSA provides access to these benefits, and coordinates all elements of care to help patients, doctors, and insurance companies combat respiratory disease.
At a time when US seniors face restricted health care access, rising premiums, and shrinking benefits, GSA stands out as a welcome ally for those needing respiratory medication benefits, support, or homecare services. For more information about GSA, or how someone you know can enroll in this special wellcare program, write to 4812 South Mill Ave., Tempe, AZ 85282; call 800-307-8048; fax 800-345-2425; or email Gary Rheault directly at email@example.com.
About The Author
Del Williams is a technical writer based in Torrance, California.
Alzheimers Care Giving While Maintaining Your Own Health
Just for a moment I want you to imagine that you are coming out of a very deep sleep. If you have ever had surgery try to remember the way you felt as you were trying to make sense of things as you awoke.
Angels Are Reaching Out to the Elderly
I am reminded time after time of the profound effect Angels have on people. Recently, I have been receiving many emails containing examples of how the Angels are reaching through the veils to assist the elderly.
Local Businesses Serving Seniors Prove Commitment to Quality Care
Good news! You no longer have to risk chance when it comes to selecting a reputable elder care service for yourself or for a loved one. Senior Approved Services has certified a select number of businesses in our area serving the elderly and disabled populations.
The Dryer Ate Your Underwear!
Q: My mom is in the early stages of dementia and she is also incontinent we have tried to get her to stop wearing her underpants and have her start wearing pull-up diapers, she throws the Depends out the door and puts her underpants on. Of coarse we have a lot of laundry! How should I handle this?A: This one should be fairly easy to solve.
Board and Care Homes - What Are They?
Board and Care homes (also known as RCFE's - Residential Care Facilities for the Elderly) are residential private homes that have been licensed by the Department of Social Services to provide services to seniors. Most accept no more than six residents, but offer a cozy, home-like setting for frail seniors.
Exercise Walking For Seniors: Preventing Foot Problems
Exercise has a very important role in the general health and the quality of life of everyone, but especially in seniors. Seniors who walk tend to look younger, sleep more soundly and have fewer visits to the doctor.
Paying For Elder Care Just Got Easier
It's not a surprise that thousands of families across the nation are facing the challlenges of an aging population. The "sandwich" generation, those who are caring for their children as well as their parents, have been feeling the financial pinch of caring for loved ones.
How To Find Affordable Senior Housing
A few years ago Miranda M. became a widow.
10 Tips to Keep a Family Caregiver from Losing Their Mind
Caring full time for a loved one can be a challenging task, and it takes a special person to get the job done right. Patience and compassion are the two top qualities a caregiver must possess in order to be successful.
Respiratory Help Is Available For Seniors With COPD
As HMOs Continue to Drop Coverage for Seniors - Now Over 500,000 Victims - Those Needing Expensive Respiratory Medication, Support and Homecare Services are the Hardest HitOne Patient Advocate, Geriatric Services of America, is Providing Relief to Victimized Patients Through a Unique, Often No-Cost ProgramMore than 536,000 US senior citizens are scrambling to find new doctors or new coverage because their health plans terminated their Medicare managed-care services, according to a Nonrenewal Report issued by the Centers for Medicare & Medicaid Services for the year 2002. Among the hardest hit are seniors in California (84,000), Florida (59,000), Pennsylvania (55,000), New Jersey (53,000), Texas (46,000), and Michigan (31,000), who will be losing coverage in the coming year.
The Right Wheelchair Accessories Will Ease Your Life and Your Journeys on Wheels
Wheelchairs come in every shape and size with sufficient options that you can find the wheels you like to take you where you want to go with the assistance you need. To enhance the comfort and convenience of your journey, choose accessories tailored to provide the best support for your activities and your health concerns.
Why Everyone Over 50 Should be Training for the Senior Games
by Phil Campbell, M.S.
Arizona Assisted Living Homes -- The Alternative to High Priced Senior Care
The cost of skilled nursing care is slowly rising. Currently, the average cost of care in Arizona ranges from $3,500 to $4,500 per month.
5 Myths You Should Know Before Choosing Elder Care
Myths associated with selecting quality nursing home care suggest quick and easy ways to identify quality care. In fact, relying on these myths can lead to disastrous results.
Mom Wont Participate!
Q: Six months ago we placed my mother in an assisted living facility. She gets along fairly well, but we thought she would get involved with all of the activities.
As the Baby Boomers Age
Many employees today are calling in sick - not to care for themselves or their children, but to care for their aging parents. Baby boomers are rapidly moving into the role of caregivers for their parents, but with a few extra challenges due to the changing face of our workforce.
Stair Lift Buying Guide
There is no doubt that having a stair lift in your home can dramatically improve your quality of life. If you are starting to find that climbing the stairs is becoming a hazardous experience, or just hard work, then a stair lift could be the answer.
Honey, Where Are The Car Keys?
Q: My mother is always losing, hiding and hoarding things, I am losing my mind! What can I do to get her to stop?A: This is a great question and I have a lot of material to work with.My grand mother had made me the most beautiful doilies.
Arizona Senior Housing: Care Options for Seniors Who Can No Longer Live Alone
The following are a few of the care options available for seniors who can no longer live on their own and require assistance with their Activities of Daily Living (ADL), or require skilled nursing care. Every state is a little different in terms of availability and cost, state regulations, and the specific names used for each care option:Assisted Living Home- A facility consisting of 10 or fewer residents in a private home setting located in residential neighborhoods.
Solitary Confinement -- for Life
Sixty-five year old Arthur Jones served a self-imposed life sentence - in his own home.Arthur lived in a high crime neighborhood, so he built iron cages around his outside doors and installed bars on all the windows.
|home | site map|