Long-Term Plans of Health Care for Seniors

By Charles Hopkins Published 11/2/2006 | Health

Reaching the dusk of their lives, what the senior people want is to lead a life with dignity and independence for as long as possible. Sometimes a fat retirement fund does not totally fulfill their wish of leading the life that they always wanted to live after retirement, and a life they highly deserve as a result of their hard work for all of their working life. There could be a number of reasons for not being able to live a comfortable life in the retirement years. There is a simple way to overcome this predicament, and a long-term health plan makes it possible to lead a comfortable life in your later years.

A long-term health care plan helps you sail through the various stages of your elderly years. At one stage, you may not imagine asking someone to help you out in simple day-to-day work. As you grow older, however, your living becomes more comfortable and painless if you receive assistance in some of your daily chores. There are many people for whom eating may become a challenge if they do not receive proper assistance. A long-term health care plan helps to make your life easier.

There is a common misconception relating to long-term health care plans. Most people think long-term care requires a compulsory stay in a nursing home or rehabilitation center. Staying in a nursing home is not compulsory. With the amazing developments in the portability of medical equipment today, in most cases, it is possible for the patients to stay in their own homes. The insurance companies also would advise you to opt for full-time home care instead of nursing home care. The first option is not only more cost effective, it proves to be more beneficial for the patients overall well being.

Long-term health care plans are mainly of two types: in-home and nursing home facilities. There is still another type of long-term health care plan, which is known as assisted living. This arrangement allows the patient to stay in his or her own apartment or quarters with their needs attended to by the caregivers. The apartments of the patient need to be located near a nursing home, and there should always be someone who can be readily available at the times of need. This is how the term, assisted living has been coined. This system combines independence at the normal times and assistance at the time of need. The main advantage of this arrangement is that the patient does not have to live with the feeling that they are a burden on others. They also do not have to live with old age anxieties as they know help will be there if it's needed. The patient continues to carry on with his personal chores as long as his body allows him to do so. It helps him maintain his mental clarity and confidence.

With the insurance companies insistence on in-home care, and the elderly persons displeasure at being bound to the restrictions of nursing homes, the assisted living is emerging as the most popular of the long-term health care plans. More and more middle aged people are saving for this form of long-term care plan as it allows them to remain in the privacy and comfort of their homes as long as possible.