Do you think you want to wait and sign up when you are 65? My good friend Scott told me all he wanted was enough insurance to get himself buried, until he had a heart attack at 54. Now he can’t afford long term care because the insurance company wants so much more money due to his heart attack. So here he is, a high risk, and spending his nest egg for care, when he could have been covered. Medicare won’t cover him, so he has to spend all of his assets, until he is determined to be indigent. Then he can go on Medicaid. He has to be broke to get coverage!
He knew what we all know: the bugs are out there, and sooner or later, they’re gonna get ya. One of the best places for bugs to go hunting is, of all places, the hospital! A 2009 report from the U.S. Department of health and human services showed that 60% of doctors’ uniforms (and 65% of nurses’) carry dangerous bacteria. One in five of the security cards hospital personnel carry were contaminated with a host of pathogenic bugs, including the superbug MRSA (an annual killer of thousands)! It’s no surprise the report went on to say that post-operative bloodstream infections had increased eight percent, and that post-operative catheter-related urinary tract infections and certain other infections related to medical care were on the rise.
Long-Term care insurance can be pricey precisely because it’s a hedge against big expenses. Long-term care is the single most catastrophic financial risk you face. And that’s why the protection of insurance is so important. Many individuals mistakenly think that long-term care insurance is too expensive. As opposed to what? As opposed to 00 per month in a long-term care facility. Compare a monthly premium of 0/month to the cost of 0/day in a long-term care facility. The long-term care insurance is a bargain in comparison.
Put another way, a smoking-related death occurs somewhere in the world, every 8 seconds, 365 days a year. The sooner we remove the blinders and look carefully at nicotine addiction and the damage it causes, the sooner we can begin pull away from its lies.
So what can you do? If the bugs work hard to develop their resistance to medicine, you have to work hard to develop more resistance to them. Start a program of personal vitality with the five key daily health habits I call The NEWSS: Nutrition (begin by cutting out the garbage “food”), Exercise (get at least three good workouts a week), Water (get two liters every day), Sleep (get eight hours every night), and Supplements (take at least one good daily multi-nutrient to beef up your body’s natural defenses).
To join the Medicare Prescription Drug Plan (Medicare Part D) you must choose one Prescription Drug Plan from dozens of plans that are available (there are up to 50 plans in some states). Once you have chosen a plan you are “locked-in” until the enrollment period the following year.
Luckily though, Kaiser Permanente and the U.C. Davis Medical Center have stepped forward to save this important social service. U.C. Davis Medical Center gave ,000 and Kaiser Permanente gave ,000 to keep the flu shot program alive. This is great news for this particular program. In this particular flu season. But it certainly still raises questions about the future prospects of government services aimed at the health care needs of citizens.