Plan For TODAY So You Can Live For TOMORROW

Planning for today and living for tomorrow is completely upside down from what we are told when we were growing up “plan for tomorrow and live for today”. But when we grow older, life CAN turn upside down in an instant. Most people deny that they will need help and continue to go through life without a plan. Then, in an instant, such as a fall with a broken hip, sudden medical change, or unexpected illness they find they have no control, no choices and no options. They find someone else making decisions for them, someone who may be a complete stranger who has no clue what their wishes are.
 
It is common for most people to think they will live out their lives in the safety and comfort of their homes without any help. But what happens when one can’t live safely at home alone anymore? Have you researched your options? Have you discussed with your loved ones which living arrangements best fit your wishes?
 
The plan can be something as simple as who is going to do your grocery shopping if you’re sick, to something as complex as which living arrangement will best fit your wishes. Most of the time it is assumed that your friends, children, or even spouses will know what to do, but in times of crisis people make emotional decisions, not rational decisions. It is during those times when a clearly laid out plan will help others make the correct choices, choices that will honor your wishes. Documents as simple as a living will, do not resuscitate (DNR) order, or power of attorneys will give your loved ones clear direction during a time of crisis.
 
How are your plans shaping up, or are you going to “roll the dice” and live with what others have decided for you? Take control of your life and plan for todayto make sure your wishes are honored so you can live for tomorrow.

About the Author: Denis L Ashauer, Certified Senior Advisor and President of Home Helpers. Home Helpers is the leading provider for in-home non-medical care. Visit Home Helpers at http://www.homehelpers.cc and visit our blog site at http://homecareexpert.blogspot.com/ to receive caregiving tips for family members caring for loved ones.

Elders And Medical Care

Medicare is health insurance coverage for those over the age of 65, under the age of 65 with specific disabilities and any person with permanent kidney failure. To be eligible, you must have entered in the United States in a way recognized by law and lived for 5 years. The need for a medical program for seniors became apparent in the 1950s, but it was not until 1965 when Congress passed the laws that created Medicare. Just like Social Security, those individuals contribute to Medicare during the years they work. It is a federal program so guidelines for eligibility and services are very similar in all states.

Medicare is made up of two parts:

Medicare Part A – This helps to pay for care if you are a patient in a hospital, nursing home or hospice and for care in your home under certain conditions. Many do not pay a month premium for this because it is paid for by taxes that you have paid while working.

Medicare Part B – This helps to pay for doctors services and outpatient care that is medically necessary. It pays for preventative services like the flu shot and for some services to keep illnesses from worsening. In 2008, the standard monthly premium was $ 96.40.

For the first seven months after your 65th birthday, there is a period where enrolling in Medicare is free. After this enrollment period, it may cost to enroll. Those covered by Medicare are called beneficiaries. Medicare will pay for most of their health care, but not all. That means it will cover most serious medical conditions, those in which the patient will usually recover from. Medicare does not cover the cost of care given to a patient at home, in a nursing facility, for those with recurring disability or longtime illness.

Medicare also provides Advantage Plans, although it is not available in every state. These plans offer prescription programs to the beneficiaries. Specific details depend on the program you choose and your eligibility.

You will receive your Medicare card, in the mail, three months before your birthday. If you are receiving Social Security benefits before you turn 65, you will be enrolled in Part A and Part B automatically the month you turn 65. Signing up for Medicare is simple, as long as you are aware of the different plans and enrollment periods.

Providing health insurance for your loved ones can be a strain when you find yourself unemployed and without medical coverage. When obtaining health insurance quotes it is important to compare companies to ensure you’re receiving what you need at the lowest cost possible. For assistance in obtaining quotes stop by gohealthinsurance.com.