It’s 3am when the couple is awakened by someone calling “Can you give me a push? I need a push!” outside their window.
“Aren’t you going to go help?’ asks the wife.
“Not at this hour”, says the husband. “Besides, the guy sounds drunk.”
“Dave, says the wife, “Remember that night we broke down in the pouring rain on the way to pick the kids up from the baby sitter and you had to knock on that man’s door and he helped get us started again? What would have happened if he’d told us to get lost?”
“I still think the guy’s drunk”, says Dave. But he gets out of bed, throws on a robe and goes downstairs. He opens the door, and not being able to see the stranger anywhere shouts, “Hey, if you still need a push, tell me where you are.”
He hears a voice cry out, “I’m over here, on your swing set.”
Why Is Lake Forest Hospital Closing Its Long-term Care Unit?
According to Crain’s Chicago Business August 21, 2017 edition, the first reason cited is “increased operating costs”.
The second is patient preference for non-nursing home care.
Jason Lundy, partner of the health practice group at the law firm Posinelli, says most people want in-home care or assisted living over hospital care. Northwestern announced an investment in a new home health training program in early August.
How will this care be paid for?
Medicare? It’s health insurance, not designed for long-term care.
Medicaid? It’s income/asset based with a 5-year look-back. According to federal data, Illinois has the second lowest Medicaid reimbursement rate in the nation.
Traditional Long-term Care Insurance? It pays facilities and providers. These policies weren’t designed to put money in the hands of the patient to use as wanted.
It’s time to look at what is new to get you the care you want.
- Find out what care costs. (A recent survey says most people underestimate by 2/3.)
- Find the best insurance to cover those costs.
- Find a plan that fits your budget now and over time.
- Find out what happens if you have insurance and are among the 30% of the population who won’t use Long-term Care.
35 isn’t too early to look. After 55, affordability and acceptance may become issues.
We offer the free presentation: Long-term Care: Who Pays for What. Click Here for more information.
Or call us at 847-362-8888. It’s never too early to start. Don’t wait until it’s too late.