July 13, 2008 show
Topics
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DIABETES
How Hyperbaric Oxygen Therapy Helps.
Insurance In The News:
Son Kidnaps his mother from her nursing home. What was his motive?
Son is being charged with involuntary manslaughter!
Insurance Outrage of The Week:
A Federal Law some Employers use to Deny Employee Benefits
Insurance trivia:
Am I Covered:
Have a question or a comment. Call the show. 480-949-1310
Special Guest
Lori Klauber
Hyperbaric Oxygen Therapy of Arizona
WHO?
Dr. Albert G. Reach, a retired Drugless Physician, (N.D. D.C.) established our facility in 1998. Dr. Howard Reuben M.D. is our staff physician. Ms. Lori Klauber is our general manager. Then we have Hyperbaric Techs. Everyone is well trained in this specialty. Everyone is here because we love seeing the results that this gentle, safe therapy brings to folks and changes families and lives
WHAT?
We are a non-hospital free-standing center for out-patient care. We have a state of the art, six place, comfortable chamber, where patients can watch TV, read, visit or just lay down. The patient breathes 100% medical grade oxygen through a mask or hood (both of which exhaust outside), while under greater than sea level atmospheric pressure.
WHERE?
We are in beautiful north Phoenix, Az., near motels/hotels/suites and not far from RONALD MCDONALD HOUSE.
WHEN?
We are open year round. Appointments are necessary and can be set up by the patient, the caregiver or health care practitioner.
HOW?
Consultations by phone and in person are at no charge. Evaluations are at no charge. Recommendations at that time will be discussed. We use world class clinically proven protocols that are fitted to the needs of the patient.
FEES?
We maintain our original fee of $150.00 per hour, with discounts for advanced payments and commitments when large blocks of treatments are necessary.
QUESTIONS?
Call Lori, we are here to help! 602-996-3348
Term of The Week:
Activities of Daily Living:
Activities of daily living are activities related to personal care. These are activities we normally do in our daily living and activities we perform for self care. These activities include bathing, dressing, getting in and out of bed, using the toilet and eating.
Larry's Tip of The Week:
Ten Tips Regarding Long-Term Care Insurance from the NAIC
1. Investigate long-term care coverage if you don’t want to rely on others to support you, and you want flexibility in choosing the type of long-term care services.
2. Long-term care insurance isn’t for everyone. If you are currently receiving Social Security or expect to have minimal or no retirement savings, you will likely qualify for state aid and may not need to purchase long-term care insurance.
3. Research individual insurance companies to see whether they have a history of raising rates for long-term care coverage. Check with your state insurance department to learn how your state regulates rate increases.
4. Check with your financial advisor or accountant for guidance on whether long-term care insurance is appropriate for your specific financial situation. If long-term care insurance is for you, shop around for the most appropriate coverage at the best price.
5. Make sure you understand what a long-term care insurance policy covers and just as importantly, what it doesn’t. Ask questions and make sure the company is reputable and licensed to sell insurance in your state. If you have concerns about a company, contact your state insurance department.
6. Pre-existing conditions, conditions that you have before you apply for the insurance coverage, may be excluded from coverage. In addition, for some policies, age 60 is a trigger for a rate increase. Thus, it may be beneficial to purchase your policy before your late 50’s.
7. Don’t rely on Medicare or Medicaid to cover your long-term care needs. Medicare will usually pay for a small percentage of nursing home costs. Medicaid pays for long-term care services but only if you meet federal poverty guidelines, and the choice of care facilities can be very limited.
8. Keep in mind that tax breaks are available for qualified long-term care insurance policy premiums. The benefit payments received under such policies are tax-free.
9. Do not divulge personal financial or medical information over the phone, such as your social security number, your health status, your Medicare status or your private insurance coverage. Don’t be fooled by mailings about long-term care insurance that appear to be from an official government source. If you are concerned that someone is trying to trick you, contact your state insurance department.
10. Be wary of advertising that suggests Medicare is associated with a long-term care policy. Medicare does not endorse nor sell long-term care insurance.