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The most expensive bed you’ll ever sleep in.

At $549/night, you’re not really sure what you’re getting in a nursing home.new orange hills, orange county

Without even checking medical records, the admissions lady casually blurts this luxury nightly rate to a troubled family concerned about the placement of their retired male. She continues gabbing about the long list of amenties throughout the hallways of an old, burgundy geometric carpet that’s been downtrodden by heavy wheels and chairs, while grief-stricken family members follow quietly in their first nursing home tour. The smells of human excess, the drab beige of a not-so-new medical building, and the many contorted faces sitting covered in blankets in the halls. Loud beeps and whizzes of respirators create a false excitement in the aisles, but the faces are ambivalent. A shy glance into a wide doorway reveals 3 residents on twin-size beds separated each by a thin cloth hung from the ceiling curtain matching the blue triangle-speckled hospital gowns. This is the last 20 years of your life in America’s healthcare, but how do most people get here?

  • LITTLE TO NO FAMILY SUPPORT FOR MEDICAL NEEDS

    Either your medication list outnumbers your toes and fingers twofold, or you’re unable to eat/poo/pee on your own due to your condition. The rate above was quoted to cover bedside care 24/7, physical therapy, occupational therapy, medication assistance, all food/meals and some hospital transport. As most nursing homes are near capacity from hospital discharges, most families need a week or two head-start to scope potential places to rest their loved one and reserve a bed in advance.  Aging in place by home health aides or home care are nearly impossible to afford through Medicare, especially when most octogenarians require 24-hour care. For an aide paid at $19/hour, most siblings work too far to care for mom or dad at home, nor can most families afford this weekly expense usually reserved for the higher earning families or those with flexible schedules. Shopping for a nursing home can be a lot like shopping for a home, where the highest bidder wins.

  • HEALTH & MEDICAL INSURANCE ISN’T WHAT YOU THINK

    Nursing home care requires a high level of care which comes with a fixed rate of reimbursement by insurance carriers. Kaiser Permanente, one of the nation’s most respected and wide-reaching health plans, only has 4 skilled nursing facilities listed as in-network in Orange County, California, where there are a 74 total nursing homes registered with the State. This patient mentioned above was only approved for the 1 of the 4 facility pictured below based on the level of care, meaning the family had 1 choice of the 74 facilities that could accept them.  So, while you’re paying your health insurance premiums every paycheck, remember that most large health plans do not include long-term care coverage. If your health deduction was $500 per month, you’ll need to add $549 per month just for skilled nursing care alone.KP nursing home referrals

  • (NO) SAVINGS OR CASH

    Most people (or 38% of Americans these days), even at a healthy retirement age of 65, have less than $50k total saved for more than a decade of retirement. Let’s do the math, shall we?

At $549 per night…

x 30 days = $16,470 cost per month

x 365 days = $200,385 cost per year

x 835 days, average length stay : $458,415

This means for most of Americans their entire retirement savings will not cover nearly 80% of over 2 years in a nursing home. So then, how does this 6-figure expense get paid?

  • SOCIAL WORKERS – YOUR SENIOR CARE BAILOUT SPECIALISTS

Consider these paper-laden, compassionate administratives your saviors from an unkind situation. Medi-Cal, Medicaid, Medicare and other social welfare programs are easily made available to the majority of Americans who cannot afford the overwhelming expenses of their seniorhood. Armed with the prowess of an uncertified financial planner, the tenacity to help unidentified emergency room patients in midnight hours, and the patience of a tortoise to withstand the seasonal timings of the CMS billing systems, these individuals can provide a road map for families to navigate the complexity of medical orders combined with the subsidized amounts offered by government. Social workers know both hospital and various payor networks, as well as the reimbursement rates for assigned treatment plans. Their relationship with admissions staff at different locations, whether by favor of donuts or contracted as an employer, is likely the primary driver of how any family ends up choosing a facility. If one finds themselves at the mercy of a government payment program, be sure to ask about policies like estate recovery for Medi-Cal if you’re forced to sell real estate or deal with probate court upon death.

Prevent sticker shock and do the homework decades before you are a few cents short for a life-threatening decision. If you’re lucky to have all expenses taken care of by your own private pay, you’re tiers above your peers. You can also find a trustworthy life insurance representative who can help you navigate to a financially secure portfolio to greatly alter the outcome of your longest days of care. Check out Genworth’s Cost Calculator here if you’re curious about different kinds of senior care, or want to learn some interesting baby boomer statistics for some perspective.

Whether it’s your first time or a recent experience with a nursing home yourself, let us know how you first dealt with this healthcare setting and funded your high costs. Or, if you’re currently searching for a skilled nursing facility in Orange County, message us in the Contact form and we’ll refer you to several county and community resources.

 

Healthcare for All June 2015 Newsletter

  HCA-CA-banner.pngLos Angeles Chapter & LA Healthcare Coalition
NEXT MEETING: Thursday September 10th, 2015,  7 pm- 9:30pm
Peace Center 3916 Sepulveda Blvd Culver City 90230.  Parking Lot and Entrance behind building. 
ELECTION of Chapter Directors &  SPECIAL SPEAKER TBA
Interested in being a candidate for Director of HCA-LA Chapter?
Contact Doris Nelson thewizardessofoz@verizon.net   
THANKS to LUIS SOUTH for generously providing PIZZA for ALL at our May Meeting.
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Healthcare for All – Los Angeles Chapter meets monthly on the second Thursday of the month from 7-9 pm in the Peace Center Meeting Room at 3916 Sepulveda Blvd. Culver City 90230-4640. The HCA-LA mission is to educate, activate and encourage people to participate in advocating for just, equitable, accessible, comprehensive, affordable, and quality healthcare in a publicly financed universal single-payer system. Agendas include speakers, presentations, discussions, films, opportunity for action in our communities. To join the HCA-LA Mailing list, contact: 
‘Our “conventional wisdom” about what we pay for and why, has been created and controlled by those entities profiting from a series of false messages. What we as a society believe about our healthcare costs is often simply not true.’ www.truecostofhealthcare.net 

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CALENDAR

July 2nd, Thursday 10-12 noon   http://laborforhealthcare.org/  ; INFO: Connie at 213-252-1351  

  Labor United for Universal Healthcare’s July meeting will be largely about MEDICARE in recognition of the program’s 50th Anniversary.
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What do we mean by an “Improved Medicare” for all?
Presentation and discussion led by Nancy Greep, MD 
Thursday, July 2, 2015 from 10-12 noon
Los Angeles County Federation of Labor
2130 James M. Wood Blvd., Los Angeles, CA 90006
(Parking lot entrance off Lake Street)
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 July 11th Saturday 2-5pm.We Need Health Care, Not Jails  Community Dialogue.  cchelosangeles@gmail.com 

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JULY 26th, Sunday 2-5 PM   MEDICARE’S 50th BIRTHDAY GARDEN PARTY  PHYSICIANS FOR NATIONAL HEALTH PROGRAM
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JULY 30th THURSDAY 4-6:30

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Medicare Turns 50 Program:  Actor Mike Farrell, activist and star of hit TV show M*A*S*H Sheila Kuehl, LA County Supervisor author of CA Single Payer Bills Hilda Solis, LA County Supervisor *  
Dr. Paul Song, Courage Campaign Chair, Campaign for a Healthy California Co-Chair,  PNHP  National) Exec Board  * Rusty Hicks, Executive Secretary Treasurer of LA County Federation of Labor Alicia Rivera, Communities for a Better Environment   Assemblymember Curren Price  *   Senator Holly Mitchell
PEOPLE’S Healthcare Stories 
Incredible Musical Performances by: 
**** Lili Haydn **** 
humanitarian and activist violinist/vocalist/composer  “the Jimi Hendrix of the violin”  (http://lilihaydn.com/)
****Inner City Dwellers***** 
Pro-peoples hip hop, movement music, music mimicking   life..  .”(https://www.facebook.com/icdmusic)
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AUGUST 1ST SATURDAY   …...Three Locations…..
MEDICARE 50th BIRTHDAY  CELEBRATIONS                       
with   HEALTH CARE for ALL Chapters  
VOLUNTEERS NEEDED
*HCA-Los Angeles  
Baldwin Hills/ Crenshaw Farmers Market  
10am-2pm  with Luis South

  Contact: Maureen  mcruised@aol.com

*HCA-San Fernando Valley  TBA

  Contact:  jennifer@hca-sfv.org

* HCA -San Gabriel Valley……see flyer left 
Contacts:
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The Medicare Solution is the latest video in the “Big Picture” ……… 
Medicare
Here’s the bottom line: Allowing all Americans to buy into Medicare through the exchanges set up by the Affordable Care Act would strengthen Medicare and improve American health care, saving all of us money while boosting health outcomes. If you’re like me and you’re ready to reject partisan lies and tackle rising health care costs head-on, please watch and share The Medicare Solution now.
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 http://kff.org/generations-medicare-at-50-years/

Generations: Medicare at 50 Years

Published in a special Summer 2015 edition of the journal  Generations on Medicare’s 50th anniversary, these six articles by Kaiser Family Foundation staff reflect on Medicare’s history, evolution and future, including a look at lessons and challenges, the Medicare and Medicaid partnership, coverage, the role of private plans, Medicare’s role for women, and the public opinion about the program. Foundation Senior Vice President Tricia Neuman served as co-editor, along with National Coalition on Health Care President and CEO John Rother. The articles are available courtesy of the American Society on Aging, which publishes Generations.
Medicare at 50: Lessons and Challenges –  PDF
By Tricia Neuman and John Rother
The Medicare and Medicaid Partnership at 50 –  PDF
By Diane Rowland
Medicare Coverage, Affordability, and Access –  PDF
By Juliette Cubanski and Cristina Boccuti
The Emerging Role of Private Plans in Medicare –  PDF
By Gretchen Jacobson
Women and Medicare: An Unfinished Agenda –  PDF
By Alina Salganicoff
Medicare as Reflected in Public Opinion –  PDF
By Mollyann Brodie, Elizabeth C. Hamel, and Mira Norton

White House Conference on Aging Webcast: Silicon Valley Boomer Venture Summit

WEBCAST: Silicon Valley Boomer Venture Summit

Date: June 30, 2015

Time: 1:25 – 2:25 p.m. PCT

Click here to view the webcast

Event Agenda:

2015 White House Conference on Aging Update & Investing in the Silver Economy

1:25 – 1:30 p.m. PCT

2015 marks the 50th anniversary of Medicare, Medicaid, and the Older Americans Act, as well as the 80th anniversary of Social Security. The 2015 White House Conference on Aging is an opportunity to recognize the importance of these key programs as well as to look ahead to the issues that will help shape the landscape for older Americans for the next decade.

Introduction: Jeff Maltz, CEO, SilverRide

Speaker: Nora Super, Executive Director, White House Conference on Aging

What Are Your Investing Priorities?

1:30 – 2:25 p.m. PCT

Business Plan Competition judges will talk about what trends will dominate the market in the coming year and where smart investors are putting their money.

Moderator: Heather Somerville, Business & Technology Reporter, San Jose Mercury News

Panel of Judges:

  • Lynne Chou, Partner, Kleiner Perkins Caufield & Byers
  • John Hopper, Managing Director, Link-age Ventures, Inc.
  • Scott Smith, Founder & Managing Partner, Viant Group
  • Gavin Teo, Principal, Comcast Ventures
  • Jeff Lee, Principal, DCM Ventures
  • Jim Murphy, Vice President, UnitedHealthcare
  • Dr. Sanjaya Kumar, Co-Founder & Managing Director, Synepta Group, Inc.
  • Jody Holtzman, Senior Vice President, Thought Leadership, AARP

Click here to view the webcast.

COVERED CALIFORNIA EXECUTIVE DIRECTOR PETER V. LEE APPLAUDS RULING BY U.S. SUPREME COURT

[Click here to view the original press release]

President of CoveredCA Peter V. Lee
President of CoveredCA Peter V. Lee

COVERED CALIFORNIA

1601 EXPOSITION BOULEVARD, SACRAMENTO, CA 95815

WWW.COVEREDCA.COM

FOR IMMEDIATE RELEASE

Media Line: (916) 206-7777

June 25, 2015

COVERED CALIFORNIA EXECUTIVE DIRECTOR PETER V. LEE APPLAUDS RULING BY U.S. SUPREME COURT SACRAMENTO, Calif. — Covered California Executive Director Peter V. Lee hailed today’s U.S. Supreme Court decision upholding the provision of the Patient Protection and Affordable Care Act that allows all eligible people who purchase health insurance through the federal exchange to receive subsidies to help them pay for their coverage. “The Supreme Court made the common sense ruling for a law that makes sense for millions of Americans,” Lee said. “This is a great day for millions of Americans who can afford health insurance thanks to the Affordable Care Act. With subsidies in place across the nation, those who now have health insurance — as well as those who still need it — can be confident that the options available to them will be within their reach.”

Although Covered California enrollees were not at risk of losing their subsidies as a result of the Supreme Court decision, a ruling invalidating subsidies offered through the federal health exchange could have resulted in changes to the federal law, which could have affected California. “Covered California enrollees and anyone in our state who still needs health insurance should breathe easy knowing the Affordable Care Act is truly the law of the land and is here to stay,” Lee said. “This historic law is changing our health care system for the better, giving people access to the best doctors and hospitals in our state.” Since opening its doors in January 2014, Covered California has helped provide health insurance to more than 1.8 million people. Covered California estimates that in 2014 it provided more than $5,200 in subsidies per household per year, or about $436 per month. The total amount of subsidies, or Advanced Premium Tax Credits, was $3.2 billion paid to health insurance companies in 2014 on behalf of Covered California enrollees. Consumers themselves paid $1.1 billion toward those policies in 2014, meaning that for every dollar a subsidized Covered California consumer spent on premiums, the federal government paid another $3.

“Today the Supreme Court made the right decision,” Lee said. “With the Affordable Care Act, millions of Americans join those with employer-based coverage in getting health insurance in part because of federal tax subsidies. The subsidies have helped millions of Americans, including individuals I have met whose lives were saved as a result of the care they received.” With the support of federal subsidies, the majority of consumers enrolled with Covered California pay less than $150 per month for their premium, with many tens of thousands of consumers paying less than $10 per month for coverage.

Open enrollment for coverage starting Jan. 1, 2016, is scheduled to begin Nov. 1, 2015. Special enrollment for health coverage if an individual has a change in life circumstances, such as moving, having a baby or turning 26, continues year-round. Medi-Cal enrollment also continues year-round.

About Covered California

Covered California is the state’s marketplace for the federal Patient Protection and Affordable Care Act. Covered California, in partnership with the California Department of Health Care Services, was charged with creating a new health insurance marketplace in which individuals and small businesses can get access to affordable health insurance plans. Covered California helps individuals determine whether they are eligible for premium assistance that is available on a sliding-scale basis to reduce insurance costs or whether they are eligible for low-cost or no-cost Medi-Cal. Consumers can then compare health insurance plans and choose the plan that works best for their health needs and budget. Small businesses can purchase competitively priced health insurance plans and offer their employees the ability to choose from an array of plans and may qualify for federal tax credits. Covered California is an independent part of the state government whose job is to make the new market work for California’s consumers. It is overseen by a five-member board appointed by the Governor and the Legislature. For more information about Covered California, please visit www.CoveredCA.com. ###

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