Home Health Care Insurance

There are various insurance policies that help pay for or totally cover the costs of home health care. Consumers are reminded to be very cautious when shopping, comparing and buying home health care insurance policies because coverage is often limited. Considering the limitations and loopholes that home health care insurance has, they may be more expensive than other insurance policies. Home health care may only be accounted for by comprehensive insurance policies with pay benefits for nursing homes, assisted living communities, and adult day care.

Types of Home Health Care Insurance

The different types of home health care insurance depend on each policy’s extent of coverage when paying for home health care services. Private insurance usually only pays for part of the home health care costs which include personal and hospice care. Managed care insurance plans may offer some help with home health care costs if the home health care provider is Medicare-certified, these plans also require hefty premiums.

There are also existing home care policies which actually pays for the excess amounts that your original insurance policy does not cover. These supplemental insurance policies cover additional payments on home medical equipment as well. Long-term care insurance cover most medical and nursing services including licensed home health care costs. They may even include personal care as well as services incurred for the upkeep and maintenance of the policyholder’s home. Long term care insurance is paid for in monthly installments based on the individual’s age and health conditions. Many times, the benefits may only be reaped after a pre-defined waiting period, or when the insurance company decides the financial assistance is actually necessary.

Originally, long term care insurance policies were intended to pay for a lengthy stay in a nursing home, yet because of the public demand and preference for home health care, a lot of long term care insurance policies now cover in-home services which may vary greatly according to plans. Considerations regarding pre-existing health conditions and prior hospitalizations usually limit the coverage of these insurance policies.

Natural Health Tips

Taking good care of your physical and mental health can be a great challenge for anyone. There are certain things you must consider if you want to maintain good health long term and live with more energy and vitality. Proper diet and exercise are the first things to consider however one must not forget the importance of learning to manage mental stress. Here are some simple tips anyone can follow to attain better levels of health and fitness:

Tip 1: Eat more whole foods

It can be very difficult for most people to completely avoid processed and junk foods however do your best to minimize your consumption of these. Also most restaurants and fast food places have a healthy choices menu option so go for that once in a while as it is usually better in nutritional value than the other items on the menu. Bring a packed lunch to work whenever you can and use whole food ingredients that you cooked yourself that are free from preservatives and other chemicals that most processed foods come with.

Tip 2: Exercise properly

There is no doubt that exercise is critical in order to maintain optimal health. You need both cardiovascular and aerobic exercise in order to burn calories effectively and keep good muscle mass which is essential to maintain strength levels. Aerobic exercise can be done many ways including joining a gym, taking a one hour walk or using a treadmill or bike at home. It is always a good idea to have some fitness equipment at home as this will make it very easy and convenient to exercise which makes it more likely you will stick with it and see better results.

Weight training helps to build and maintain muscle mass, keep in mind that muscles are very effective at burning calories constantly so even women should weight train to add some muscle so that they can maintain a healthy weight for as long as possible. If you have never trained with weights before then it is important that you consider taking a few personal training sessions at a local gym to familiarize yourself with the exercises and the equipment so as to avoid unnecessary injury.

Tip 3: Manage Stress

Mental stress can also affect your overall health in a very negative way. Your mind can release chemicals into your body based on how you think and if you constantly worry or are always angry then your mind will release potentially harmful chemicals into your system.

Learn to control your mind through meditation and calm your thoughts as this will provide you with great stress relief and will also help you solve problems in your life faster as a calm mind can often see solutions more quickly than if you are worrying too much and have a ton of thoughts racing through your head. There are many ways to learn meditation, the simplest approach is to just get a book or take a local yoga class. Make it a habit to spend some time each day doing some meditation and apply the principles you learn even when you are not meditating. Consider applying some of these natural health tips to help you become healthier and stronger.

Holistic Health Care Tips

The changing life styles have upset the intricate natural rhythm of not only adults’ but also that of children. From allergies to obesity, depression and lack of concentration, most of the issues plaguing the modern day children are thought to be the offshoots of the change in life style and dietary habits,

For every parent, the health of their child is of prime concern. The simplest method to keep them healthy and happy would be to incorporate holistic health care tips in their lives. Avoid synthetic products and try to include more natural food products in your kid’s diet plan to ensure a holistic growth and emotional well being of your kids. Natural organic products and holistic health care products are available in the market and there are many online sites that deal in a range of such products. Ensure your child a healthy future by teaching them the significance of eating healthy and living naturally.

The child’s mental health could also be affected by the surroundings he lives. If you have tension and arguments at home, it would leave a bad influence on his health. So improving the mood at home also would go a long way in carving a healthy life style of your child. Natural essential oils like lemon, peppermint, lavender etc have amazing medicinal properties to boost your mental alertness and to soothe your nerves.

You can use scented candles containing these natural oils or add a few drops of these in a hot bath of your child to make him alert and relaxed. Learning disabilities, lack of concentration or laziness could all be narrowed down to wrong food habits or unhealthy life styles. So make sure to include healthy habits right from his early age so that these healthy habits become part of his life.

Many disease conditions like allergies and asthmatic conditions can be fully controlled with holistic medical care and the children’s immune mechanisms can also be strengthened in the process. There are a number of tried and tested and safe herbal herbal formulas for these disease conditions. Say YES to natural and healthy foods and leading an active holistic life style would make them successful adults in their life.

Become a Home Health Care Nurse

Home Health Care Nursing Information and Overview

Home health care is allowing the patient and their family to maintain dignity and independence. According to the National Association for Home Care, there are more than 7 million individuals in the United States in need of home health care nurse services because of acute illness, long term health problems, permanent disability or terminal illness.

Home Health Care Basics

Nurses practice in a number of venues: Hospital settings, nursing homes, assisted living centers, and home health care. Home health care nursing is a growing phenomenon as more patients and their families desire to receive care in their homes. The history of home health care stems from Public Health Nursing where public health nurses made home visits to promote health education and provide treatment as part of community outreach programs. Today academic programs train nurses in home care and agencies place home health care nurses with ailing individuals and their families depending on the nurse’s experience and qualifications. In many cases there is a shared relationship between the agency and the academic institution.

Many changes have taken place in the area of home health care. These include Medicare and Medicaid, and Long Term Care insurance reimbursement and documentation. It is important for the nurse and nursing agency to be aware of the many factors involved for these rules and regulations resulting from these organizations. Population and demographic changes are taking place as well. Baby boomers approaching retirement and will present new challenges for the home health care industry. Technology and medical care in hospitals has lead to shorter inpatient stay and more at-home rehabilitation. Increases in medical outpatient procedures are also taking place with follow-up home care. This has resulted in the decrease of mortality rate from these technologies and medical care has lead to increases in morbidity and chronic illness that makes the need for home health care nursing a greater priority.

Home Health Care Nurse Job Description

Through an array of skills and experience, home health care nurses specialize in a wide range of treatments; emotional support, education of patients who are recovering from illnesses and injury for young children and adults, to women who have experienced recent childbirth, to the elderly who need palliative care for chronic illness.

A practicing nurse must have the skills to provide care in a unique setting such as someone’s home. The nurse is working with the patient and the family and must understand the communication skills for such dynamics. Rapport is evident in all nursing positions, but working in a patient’s own living space needs a different level of skill and understanding. There is autonomous decision making as the nurse is no longer working as a team with other nurses in a structured environment, but is now as a member of the “family” team. The host family has cultural values that are important and are different for every patient and must be treated with extreme sensitivity. Other skills include critical thinking, coordination, assessment, communication, and documentation.

Home health care nurses also specialize in the care of children with disabilities that requires additional skills such as patience and understanding of the needs of the family. Children are living with disabilities today that would have resulted in mortality just twenty years ago. Genetic disorders, congenital physical impairments, and injury are just a few. Many families are familiar with managing the needs of the child, but still need expert care that only a home health care nurse can provide. It is important that a home health care nurse is aware of the expertise of the family about the child’s condition for proper care of the child. There are many complexities involved, but most important, a positive attitude and positive reinforcement is of utmost importance for the development of the child.

Medication coordination between the home health care nurse, doctor, and pharmacist, ensures proper management of the exact science behind giving the patient the correct dose, time of administration, and combinations. Home health care nurses should be familiar with pharmacology and taught in training about different medications used by patients in the clinical setting.

Many advanced practicing nurses are familiar with medication regiments. They have completed graduate level programs. Home health care agencies believe that a nurse should have at least one year of clinical experience before entering home health care. Advanced practicing nurses can expedite that training by helping new nurses understand the home health care market and teaching.

Employment and Salary

According to the United States Department of Labor, there were 2.4 million nurses in America, the largest healthcare occupation, yet many academic and hospital organizations believe there is a gross shortage in nursing staff. The shortage of nurses was 6% in 2000 and is expected to be 10% in 2010. The average salary for hospital nursing is $53,450 with 3 out of 5 nursing jobs are in the hospital. For home health care, the salary is $49,000. For nursing care facilities, they were the lowest at $48,200.

Training and continuing education

Most home health care nurses gain their education through accredited nursing schools throughout the country with an associate degree in nursing (ADN), a Bachelor of Science degree in nursing (BSN), or a master’s degree in nursing (MSN). According to the United States Department of Labor, in 2004 there were 674 BSN nursing programs, 846 ADN programs. Also, in 2004, there were 417 master’s degree programs, 93 doctoral programs, and 46 joint BSN-doctoral programs. The associate degree program takes 2 to 3 years to complete, while bachelors degrees take 4 years to complete. Nurses can also earn specialized professional certificates online in Geriatric Care or Life Care Planning.

In addition, for those nurses who choose to pursue advancement into administrative positions or research, consulting, and teaching, a bachelor’s degree is often essential. A bachelor’s degree is also important for becoming a clinical nurse specialist, nurse anesthetists, nurse midwives, and nurse practitioners (U.S. Department of Labor, 2004).

All home health care nurses have supervised clinical experience during their training, but as stated earlier advanced practicing nurses hold master’s degrees and unlike bachelor and associate degrees, they have a minimum of two years of post clinical experience. Course work includes anatomy, physiology, chemistry, microbiology, nutrition, psychology, and behavioral sciences and liberal arts. Many of these programs have training in nursing homes, public health departments, home health agencies, and ambulatory clinics. (U.S. Dep. of Labor, 2004).

Whether a nurse is training in a hospital, nursing facility, or home care, continuing education is necessary. Health care is changing rapidly and staying abreast with the latest developments enhances patient care and health procedures. Universities, continuing education programs, and internet sites, all offer continuing education. One such organization that provides continuing education is the American Nurses Association (ANA) or through the American Nurses Credentialing Center (ANCC).

Conclusion

There are many rewards to becoming a home health care nurse. Some rewards include the relationship with a patient and their family, autonomy, independence, and engaging in critical thinking. The 21st Century brings with it many opportunities and challenges. We must meet these challenges head on – there is an aging baby boomer population, a growing morbidity factor due to increased medical technology and patient care, and the growing shortage in nursing care.

Becoming a home health care nurse today is exciting and an opportunity to make a difference one life at a time. With clinical experience and proper education, a home health care nurse will lead the future of medical care.