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Resource Author Francisco R. Higueras
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Elderly Health Care A Financial Challenge for Families

Total health care for the elderly poses an enormous challenge for many families in the face of ever-rising individual healthcare costs. Typically such costs can set you back five and a half thousand dollars or more yearly.

1. 60 percent of victims identified from Hurricane Katrina were age 61 or older.

2. Within 24 hours following the 9/11 terrorist attacks, animal advocates were on the scene rescuing pets, yet older and disabled people were abandoned in their apartments for up to seven days before ad hoc medical teams arrived to rescue them.

3. 35% of doctors erroneously consider an increase in blood pressure to be a normal process of aging.

4. Only 10 percent of people aged 65 and over receive appropriate screening tests for bone density, colorectal and prostate cancer, and glaucoma. This despite the fact that the average age of colorectal cancer patients is 70, more than 70 percent of prostate cancer is diagnosed in men over 65, and people over 60 are six times more likely to suffer from glaucoma.

Services and Assistive Aids

Ageism has a serious affect on the lives of seniors and caregivers. Most seniors have chronic (long term) conditions not acute (short term) conditions. Those you may look to for advice, have little or no training on the aging process (like social workers, therapists and doctors). There are services and assistive devices available that can help the caregiver and those they care for. Your biggest obstacle may be ageism and/or a lack of knowledge by those in healthcare. You have others that may just be looking to make a buck. Then you have home healthcare providers that have little if any incentive to focus on prevention and safety. Ask yourself this question:.

Traditionally most children or parents themselves have opted for Nursing homes or Assisted living facilities when independent living is no longer possible. While this has been the choice for many people, a great number of seniors prefer the comfort of their home. This has led to the need for In Home Care services. In-home care service is similar to assisted living with one exception. Instead of going to a senior living facility, care is provided by a professional caregiver inside the residence of the client.

However, all isn’t lost because by having a look at certain health care resources that are especially catering to the needs of elders that pay for total health care for the elderly costs including hospitalization costs as well as visits to doctors, you can ease the heavy financial burden.

Elderly Health Insurance – It Pays to Start Early

Selecting the right, affordable elderly health insurance plans before reaching the age of sixty-five can prove to be extremely useful in covering costs of total health care for the elderly. By paying a certain elderly health insurance premium on an once a month basis you can cover some of the high costs of dedicated elderly care services.

Lastly, keep this in mind: Unlike individual healthcare for the average joe, money alone may not help when it comes to offering holistic elderly health care with the right individual health coverage.

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