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HEALTHCARE, DISABILITY & LONG TERM CARE
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Health Care That Makes Sense
What Are Association Health Plans?
Association health plans, or AHPs for short, were designed to allow self-employed individuals and small businesses to come together and purchase health coverage as part of an association. There are already some established AHPs available today and these options will remain in place even after the new policy takes effect. However, the Trump Administration will be encouraging additional plans to enter the marketplace, thus giving small businesses and self-employed individuals the opportunity to get the health coverage they need at a more affordable price.
Association health plans are ran under the rule of the Department of Labor. When small businesses and self-employed individuals band together, they are able to gain access to the types of coverage ordinarily only available to larger employers. This results in fewer expenses and a more customized health plan for workers. The new rule aims to gather more associations and employer groups to form AHPs based on their unique industry or geography. Also for the very first time, business owners and their families (including sole-proprietors), will have the opportunity to access quality health coverage affordably.
Prior to this new rule, AHPs were required to possess association members that shared an economic or other purpose beyond the need for health insurance. Under the new policy, members have the option to join an association for the main purpose of gaining adequate healthcare coverage.
Long-term care is the type of care you may need to perform normal activities of daily living (ADL’s) over an extended period of time. The need for long term care typically arises as part of our normal aging process, but can also be due to an injury or illness, such as a stroke, or due to a cognitive impairment, such as dementia or Alzheimer’s disease
Where is long term care received?
When most of us hear the term “long term care” we think of the nursing home. However, according to the U.S. Department of Health and Human Services, 80% of long-term care is provided at home.
You can receive long term care in a variety of settings, including:• Your home
• Assisted living facilities
• Continuing care retirement communities
• Adult day care centers
• Nursing homes
Once we are age 65 or older, over 70% of us will need some form of long term care services. The average long term care need will last 3 years. Most of this care is provided at home, often by family or unpaid caregivers.
There is an increasing amount of community-based care services available such as adult day care centers, home care agencies, Meals-on-Wheels, and transportation services.
For those of us that cannot stay at home, there are a variety of residential care settings such as assisted living facilities (ALFs) and continuing care retirement communities (CCRCs) to choose from.
Of course, for those of us that may need more extensive round-the-clock long term care and 24 hour supervision, a nursing home may be appropriate
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