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.

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People come to me all the time with similar stories, of how stress is negatively affecting their lives. Stress is a killer. It has been linked to everything from headaches and digestive problems to reproductive ailments and even heart disease. Stress has been shown to age us both mentally and physically and over time can kill us.

When you are stressed your body releases stress hormones. These hormones can cause inflammation to your cardiovascular system and, if left unchecked, can affect your immune system, metabolism and other body systems. Bruce McEwen, PhD head of the neuroendocrinology lab at Rockefeller University says, “Normally, in small amounts, these substances help the body adapt, but when they are chronically elevated they cause wear and tear.”

Let’s look at the categories of stress. The first type is acute or short term stress. This is known as the flight or fight reaction where the brain produces chemicals that tell the body to speed up, making it perform more effectively. This is the type of stress you’ll experience when another car pulls out in front of you causing you to hit your brakes suddenly. This is also known as distress.

The positive form of acute stress is known as eustress. This is the stress you experience when you receive a promotion at work, get married or buy a new house. These events are desirable but, just like distress, eustress can be equally taxing on the body, and if added together with other stressors can have negative results on our health.

The second type of stress is chronic or long-term stress. Although it can be triggered by the same type of stressors as acute stress, this type of stress can cause physical problems. Chronic stress occurs when we can’t, or won’t, let go of stress.

So how can we reduce our stress? Here are seven ways to cope with stress.

1. Recognize Some Stress is Good Some stress is good. The stress an athlete feels right before she bursts off the starting blocks. The stress you feel to make a deadline that will get you that promotion you’ve been wanting. The energy you get when you see an old friend or a lover. This stress gives you that burst of energy that enhances your performance at just the right moment. Used wisely, this kind of stress will allow you to push yourself that little bit harder when it counts most. Make stress your friend!

2. Avoid Stress Infected Individuals Overly stressed people are infected with stress germs and they spread them around indiscriminately. Soon, before you know it, you are infected too!

If you know that Charlie is always stressed at the first of the month when his reports are due, avoid him! If Sara is constantly complaining about how busy she is and how her kids are driving her crazy, avoid her! Protect yourself by recognizing stress in others and limiting your contact with them. Or if you’ve got the inclination, play stress doctor and teach them how to better manage themselves.

3. Model Calm People Modeling is a way of making yourself into the type of person you want to be. So model calm people, people who seem to naturally handle stress well. When people around you are losing their head, who keeps calm? What are they doing differently? What is their attitude? What are they saying to others? What are they saying to themselves? Have they been trained in stress management? What experiences have they had? You might watch them or, better yet, sit them down and talk with them. Ask them how they cope with the things that seem to stress everyone else out. Learn from the best and model what they do.