What's a Health Care Proxy and Why Do I Need One?
If you become incapacitated, who will make your medical decisions? Health care proxies and medical power of attorneys allow?y...
Read moreIndividuals experiencing illnesses can benefit from having someone attend appointments with them and support their best interests. Often, close friends or family take on this role. Professional patient advocates, however, can step in when friends or family cannot be at the hospital or a patient prefers having the help of a qualified professional who understands the healthcare system.
Experienced patient advocates may have legal and medical knowledge that friends and family lack. Many professional patient advocates have experience as doctors or nurses, or as social workers or lawyers.
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Hospital patient advocates
Some hospitals provide a professional patient advocate for you. Many insurance programs cover hospital-based patient advocates, making their services a cost-effective option for some patients. Additionally, some patients may appreciate that their hospital has already vetted their patient advocates. You may still prefer, however, to hire an independent patient advocate who may provide objective advocacy.
The cost of professional patient advocates
Hiring a patient advocate can be expensive — charging between $75 and $500 per hour.
However, patient advocates who understand healthcare rules and regulations can use their knowledge to help their clients avoid unnecessary expenses. For instance, patient advocates can help make cost-effective travel arrangements, review hospital bills, and assist with insurance claims.
How professional patient advocates can help
Professional patient advocates can assist patients in other ways as well, including:
Although professional patient advocates can help patients understand their illnesses and treatment options, they do not make healthcare decisions for the patient. Only the patient, a healthcare agent under a healthcare power attorney, or a legal guardian can decide whether to prolong a patient's life and what kind of end-of-life medical interventions to carry out. Professional patient advocates also need the patient's consent to get private health information from the patient's healthcare provider.
How to find a professional patient advocate
Professional patient advocates are certfied by the Patient Advocate Certification Board. If you wish to hire a professional patient advocate, consider asking for references and reviewing a professional patient advocate's background before employing them.
For a directory of professional patient advocates, check out the following resources:
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Read moreIn addition to nursing home care, Medicaid may cover home care and some care in an assisted living facility. Coverage in your state may depend on waivers of federal rules.
READ MORETo be eligible for Medicaid long-term care, recipients must have limited incomes and no more than $2,000 (in most states). Special rules apply for the home and other assets.
READ MORESpouses of Medicaid nursing home residents have special protections to keep them from becoming impoverished.
READ MOREIn addition to nursing home care, Medicaid may cover home care and some care in an assisted living facility. Coverage in your state may depend on waivers of federal rules.
READ MORETo be eligible for Medicaid long-term care, recipients must have limited incomes and no more than $2,000 (in most states). Special rules apply for the home and other assets.
READ MORESpouses of Medicaid nursing home residents have special protections to keep them from becoming impoverished.
READ MORECareful planning for potentially devastating long-term care costs can help protect your estate, whether for your spouse or for your children.
READ MOREIf steps aren't taken to protect the Medicaid recipient's house from the state’s attempts to recover benefits paid, the house may need to be sold.
READ MOREThere are ways to handle excess income or assets and still qualify for Medicaid long-term care, and programs that deliver care at home rather than in a nursing home.
READ MORECareful planning for potentially devastating long-term care costs can help protect your estate, whether for your spouse or for your children.
READ MOREIf steps aren't taken to protect the Medicaid recipient's house from the state’s attempts to recover benefits paid, the house may need to be sold.
READ MOREThere are ways to handle excess income or assets and still qualify for Medicaid long-term care, and programs that deliver care at home rather than in a nursing home.
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READ MOREMedicare's coverage of nursing home care is quite limited. For those who can afford it and who can qualify for coverage, long-term care insurance is the best alternative to Medicaid.
READ MOREMost states have laws on the books making adult children responsible if their parents can't afford to take care of themselves.
READ MOREApplying for Medicaid is a highly technical and complex process, and bad advice can actually make it more difficult to qualify for benefits.
READ MOREMedicare's coverage of nursing home care is quite limited. For those who can afford it and who can qualify for coverage, long-term care insurance is the best alternative to Medicaid.
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READ MOREWe need to plan for the possibility that we will become unable to make our own medical decisions. This may take the form of a health care proxy, a medical directive, a living will, or a combination of these.
READ MOREDistinguish the key concepts in estate planning, including the will, the trust, probate, the power of attorney, and how to avoid estate taxes.
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READ MOREWe explain the five phases of retirement planning, the difference between a 401(k) and an IRA, types of investments, asset diversification, the required minimum distribution rules, and more.
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READ MORELearn how a special needs trust can preserve assets for a person with disabilities without jeopardizing Medicaid and SSI, and how to plan for when caregivers are gone.
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