Dangers of Assuming Medicare Covers Everything – Elderly Home Health Care Vs Assisted Living Costs

Elderly home care is and will continue to be much more cost effective now and in the future. When considering the cost of elder home care versus assisted living costs, there are many factors to take into consideration. One consideration is to understand the trends of the health care industry, so that you can financially plan for your future. Many believe that Medicare will cover everything they need as they age. Although many realize that they need to financially prepare for the future, most do not investigate the cost and options of future care needs. Many do not feel that they can afford to invest in long term care insurance.

In 2008, Prudential Insurance did a study on long term care. The results, which will be followed up every year, had some alarming information regarding the costs that will pay for care and services as we age. The information from this and other studies is important to assure successful planning for our future care needs.

It was noted that elderly assisted living homes have seen the largest increase in costs over a 2 year period. The average daily cost of living in an elderly assisted living facility increased to almost $39,000 per year. This is an average rate of just over $100 per day.

There was an astonishing average increase of a 15% in rates for the elderly assisted living facilities that provide care for dementia and Alzheimer’s patients.

Elderly home health care has had the smallest rate increase of all the providers. The rate of elderly home health care has had a 5% increase over the past two years and a 17% increase over the last 7 years.

The costs to have a certified nursing assistant provide elder home care averages $21 per hour. A certified nursing assistant provides services such as: bathing and dressing. The services of elder home care are ordered by a physician and usually paid for by insurance. These services provided by elderly home health care are intermittent and are offered for a short period of time.

Another study, also done in 2008 was preformed by the Genworth Financial Group. This study explored the cost of care that covers the non skilled side of elder home care. This is the largest growing portion of the elder home health care services. This growth, is due in part to many aging seniors desire to remain in their homes as long as possible.

The average cost for homemaker services in the elder home care sector is $18 an hour. There has been a rate increase of 4% over the past year. A homemaker provides some housekeeping duties, companionship, and assistance with cooking, if needed. They may also run short errands when required.

Elderly home care also provides home health aides. They provide basic assistance with bathing and dressing. A home health aide averages a rate $19 an hour. This shows an increase of 3% in just one year.

Met Life Market surveyed adult day services in 2008. The results from this survey show the average daily cost for adult day care services is $64. This shows an increase of 5% in the past year.

Adult day care services are a growing trend in the aging health care market. Adult day care is a cost effective way keep an aging senior at home

For caregivers, utilizing adult day care services permits them to continue to work. Many caregivers take time to do things to they need to take care of and get a break from their care giving duties.

The costs of elder home care services will continue to rise. Surveys show that the trends will continue. The largest increases will be in the assisted living and nursing home areas of elderly home health care services.

The past five years has seen an increase in elderly assisted living rates jump by 41%. Over the past five years, there has been an increase in nursing homes rates of over 30%. Over half the surveyed facilities expect to increase their rates, again, over the next year. The good news is that one in four elder home care providers plan to increase their rates in the next year.

Being aware of the cost of elderly home care and elderly assisted living can assist you in planning for your future needs. Educate yourself on the various options available and how you can utilize those services for future needs. It is important to be proactive and investigate avenues to pay for your future health care needs.

Your Dog – Nutrition and Health Care

Your dog is not just a companion but, once you adopt it, you make it a member of the family and it becomes your responsibility. Beyond being fun and adorable, your puppy and later your dog need a considerable amount of affection and health care in order for both you and it to lead a happy life. There is no reason in having the company of a dog, or any other pet for that matter, if it is sick or suffering. Cruelty towards animals is no less serious than cruelty towards a human being.

Dog care includes food and nutrients, regular health check to the veterinarian, grooming and cleaning, training and identification.

The food you choose for your dog should suit its breed. Some are more active and have a fast metabolism so you will need to complete its daily food with vitamins and extra nutrients. Others have a slower metabolism and are not that active so you should be careful how much you feed them so as not to become overweight or develop other serious conditions. The dog should always have fresh water ready for it. And just like humans they need daily exercise and the company of its person.

Some breeds are prone to certain conditions like bone diseases. These are frequent in Beagles or Basset Hounds for example. Others can be susceptible to diabetes, eye infections or epilepsy.

After taking care of your dog from the inside you need to take special care to its environment, the house. Be careful not to leave around chemicals that can be ingested by your pet and poison itself. The plants around its reach should not be dangerous to its health in case it eats it. The dog should not able to reach your food and you should not leave around food that can damage its digestive system.

The dog should always be consulted by a veterinarian in case it shows suspicious health or behavioral reactions. It should always have a collar with id tag and a microchip if necessary. When going outside, even if the dog is properly trained, it should be kept on a leash.

Grooming and cleaning of its coat should be done according to the requirements of the breed. Cleaning is usually up to the owner but grooming is as demanding as its breed necessitates it to be. It is recommended grooming the dog daily.

Buying toys and accessories for your dog is not absolutely necessary but in some cases it is actually indispensable. For example, you will need a dog carrier when travelling and some specially designed toys, made from special materials for the period when its teeth are growing and hurt.

Training should be firstly done by the owner and afterward contact a professional if the dog has a difficult personality. The dog should be obedient and well behaved around other people. The training should never involve violence; instead the owner should use a harsh tone of voice when reprimanding the dog and as a last resort make loud, heavy noises by hitting a newspaper or magazine away from the dog.

Ultimately it is important to spend as much time as possible with your dog in order to know it and recognize its reactions and habits. Only one person will be able to contain and have its complete attention and affection.