Master Your Money: 10 Essential Financial Management Tips for a Prosperous Future

Master Your Money: 10 Essential Financial Management Tips

Financial management is a crucial skill that empowers individuals to take control of their financial well-being and pave the way for a prosperous future.

Whether you are just starting your financial journey or looking to enhance your current financial situation, these ten essential tips will guide you toward mastering your money.

By implementing these strategies, you can make informed financial decisions, build a solid foundation, and work towards achieving your long-term goals.

  1. Set clear financial goals
  • Write down specific and realistic financial goals
  • Break them into smaller milestones
  • Create a timeline to track your progress
  1. Create and maintain a budget
  • List your income sources
  • Categorize your expenses: fixed and variable costs
  • Allocate a portion of your income toward savings
  • Prioritize essential expenses
  • Limit discretionary spending
  • Regularly review and adjust your budget
  1. Track your expenses
  • Use mobile apps or spreadsheets to record expenditures
  • Keep receipts and review them regularly
  • Gain insights into your spending habits
  • Identify areas where you can cut back
  1. Build an emergency fund
  • Aim to save three to six months’ worth of living expenses
  • Start small and contribute consistently
  • Protect yourself from financial setbacks
  • Reduce the need to rely on credit or loans
  1. Reduce and manage debt
  • Prioritize high-interest debts
  • Create a repayment plan
  • Consider debt consolidation options
  • Negotiate with creditors for better terms
  • Limit new debt and practice responsible borrowing
  • Regularly review your debt-to-income ratio
  1. Save and invest for the future
  • Establish a savings plan
  • Automate regular contributions
  • Explore investment options based on your goals and risk tolerance
  • Consider stocks, bonds, mutual funds, or real estate
  • Work with a financial advisor for personalized guidance
  1. Understand and maximize your credit score
  • Know the factors that impact your credit score
  • Pay bills on time
  • Keep credit card balances low
  • Maintain a diverse credit mix
  • Regularly monitor your credit report for errors
  • Take steps to improve your score
  1. Review and optimize your insurance coverage
  • Regularly review your health, life, home, and auto insurance
  • Ensure adequate coverage to protect yourself and your assets
  • Consider bundling policies or shopping around for better rates
  • Maintain sufficient coverage while minimizing costs
  1. Plan for retirement
  • Contribute to retirement accounts such as 401(k) plans or IRA
  • Take advantage of employer-matching contributions
  • Increase your contributions over time
  • Regularly review and rebalance your retirement portfolio
  1. Seek professional financial advice
  • Consider working with a financial advisor
  • Gain personalized guidance and expertise
  • Develop a comprehensive financial plan
  • Get strategies for achieving your goals
  • Choose a reputable advisor who acts in your best interest

Conclusion

Mastering your money requires discipline, planning, and continuous learning. By setting clear financial goals, creating and maintaining a budget, tracking expenses, building an emergency fund, managing debt, saving and investing wisely, optimizing your credit score and insurance coverage, planning for retirement, and seeking professional advice, you can confidently navigate your financial path. Empower yourself to make informed decisions, adapt to changes, and build a solid foundation for a prosperous future.

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Source: CareTips

Caring for Our Elders: The Ultimate Guide to Choosing the Perfect Nursing Home Services

Caring for Our Elders- The Ultimate Guide to Choosing the Perfect Nursing Home Services

As our loved ones age, ensuring their well-being becomes a priority. There may come a time when professional care in a nursing home is necessary to provide them with the support and assistance they need. However, choosing the perfect nursing home service can be a daunting task. This comprehensive guide aims to help you navigate through the process of selecting a nursing home for your loved one. From understanding their needs to evaluating facilities, we will cover all the essential factors to consider, ensuring a safe and comfortable environment for your elders.

Understanding the Need for Nursing Home Service

Nursing home services provide specialized care for older adults who require assistance with daily activities, medical monitoring, and a supportive living environment. These services cater to individuals who may have chronic health conditions, limited mobility, or cognitive impairments that make it challenging for them to live independently.

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Researching and Gathering Information

Start by researching nursing homes in your area. Use online directories, local resources, and recommendations from healthcare professionals or friends and family. Compile a list of potential nursing homes and gather information about their services, accreditations, reviews, and any complaints or violations. This preliminary research will help you narrow down your choices.

Visiting Potential Nursing Homes

Schedule visits to the nursing homes on your list. During your visits, observe the overall atmosphere, cleanliness, and organization of the facility. Interact with the staff and residents to get a sense of their interactions and the level of care provided. Take note of the layout, room sizes, common areas, and outdoor spaces. Use your visit as an opportunity to ask questions and gather specific information.

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Assessing the Staff and Caregivers

The staff and caregivers play a pivotal role in providing quality care. Inquire about the staff-to-resident ratio to ensure that there are enough caregivers to attend to the residents’ needs adequately. Observe the staff’s demeanor, professionalism, and friendliness toward the residents. Additionally, inquire about the qualifications, training, and experience of the staff members to ensure they are equipped to handle the specific needs of the residents.

Considering the Social and Recreational Activities

Engaging in social and recreational activities is essential for the well-being of nursing home residents. Inquire about the range of activities offered, such as group outings, fitness programs, arts and crafts, or educational sessions. Consider the residents’ interests and preferences to ensure there are opportunities for meaningful social interactions and enjoyable activities.

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Seeking Recommendations and Reviews

Seek recommendations from trusted sources, such as healthcare professionals, friends, or family members who have experience with nursing homes. Additionally, read reviews and testimonials from residents and their families to gain insights into the quality of care and services provided. These recommendations and reviews can offer valuable perspectives and help validate your decision.

Making an Informed Decision

After gathering all the necessary information, carefully weigh the pros and cons of each nursing home on your list. Consider your loved one’s needs, preferences, and the compatibility of the nursing home with their requirements. Take into account the facility’s reputation, the quality of care, the overall environment, and the feedback from residents and families. Trust your instincts and make an informed decision that prioritizes the well-being and comfort of your loved one.

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Conclusion

Choosing the perfect nursing home service for your loved one requires thorough research, assessment, and evaluation. By understanding their needs, visiting potential facilities, assessing staff and amenities, and considering safety measures and social activities, you can make an informed decision. Remember to prioritize the well-being, comfort, and happiness of your elders, ensuring that they receive the care they deserve in their later years.

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Source: CareTips

The Power of Prevention: 10 Must-Know Health Care Tips for a Disease-Free Future

The Power of Prevention: 10 Must-Know Health Care Tips for a Disease-Free Future

In today’s fast-paced world, taking care of our health is of utmost importance. Prevention plays a vital role in maintaining a disease-free future. By adopting a proactive approach toward our well-being, we can significantly reduce the risk of various illnesses and lead a healthier life. This article aims to provide you with ten essential healthcare tips that will empower you to take charge of your well-being and pave the way for a healthier future.

Understanding the Importance of Prevention

Prevention is the cornerstone of a disease-free future. By focusing on preventive measures, we can tackle potential health issues before they escalate. It involves making conscious choices and adopting healthy habits that shield our bodies from harm. Prevention not only saves us from physical suffering but also reduces the burden on healthcare systems and promotes overall well-being.

Nurturing a Balanced Diet

A balanced diet is the foundation of good health. It provides our bodies with essential nutrients, vitamins, and minerals, fortifying our immune system and protecting us against diseases. Incorporate a variety of fruits, vegetables, whole grains, lean proteins, and healthy fats into your diet. Limit processed foods, sugary drinks, and excessive salt intake.

Regular Physical Activity: A Key to Wellness

Engaging in regular physical activity is crucial for maintaining optimal health. It helps control weight, improves cardiovascular health, strengthens muscles and bones, and enhances mental well-being. Aim for at least 150 minutes of moderate-intensity aerobic activity or 75 minutes of vigorous-intensity activity per week. Find activities you enjoy, such as walking, cycling, swimming, or dancing, to make exercise a part of your daily routine.

Prioritizing Mental Health and Stress Management

Mental health is as important as physical health. High-stress levels can negatively impact our overall well-being and make us vulnerable to various illnesses. Practice stress management techniques such as meditation, deep breathing exercises, mindfulness, and engaging in activities that bring joy and relaxation. Seek support from loved ones or a mental health professional when needed.

Getting Sufficient Sleep

A good night’s sleep is essential for our bodies to recharge and repair. Inadequate sleep can lead to a weakened immune system, increased risk of chronic conditions, and impaired cognitive function. Aim for 7-9 hours of quality sleep every night. Establish a consistent sleep schedule, create a conducive sleep environment, and practice relaxation techniques before bedtime.

The Vital Role of Hydration

Staying hydrated is crucial for maintaining optimal health. Water is essential for numerous bodily functions, including digestion, circulation, temperature regulation, and toxin elimination. Aim to drink at least eight glasses of water per day. You can also incorporate hydrating foods such as fruits and vegetables into your diet.

Practicing Good Hygiene and Sanitation

Practicing good hygiene and sanitation is vital for preventing the spread of diseases. Wash your hands frequently with soap and water, especially before eating or preparing food. Cover your mouth and nose when coughing or sneezing, and dispose of tissues properly. Keep your living space clean and sanitized to minimize the risk of infections.

Embracing Vaccinations and Immunizations

Vaccinations and immunizations are powerful tools in disease prevention. They protect us from a range of infectious diseases and help develop herd immunity within communities. Stay updated with recommended vaccinations for your age group and consult with healthcare professionals for personalized advice.

Regular Health Check-ups and Screenings

Regular health check-ups and screenings are vital for early detection and prevention of diseases. Schedule routine appointments with your healthcare provider to monitor your overall health, including blood pressure, cholesterol levels, and cancer screenings. Stay proactive in managing your health by following their recommendations and seeking early intervention when necessary.

Avoiding Harmful Habits

Certain habits can significantly impact our health and increase the risk of diseases. Avoid tobacco and excessive alcohol consumption, as they are associated with a wide range of health issues. Say no to recreational drugs and limit your exposure to environmental toxins. Making conscious choices to avoid harmful habits contributes to a healthier future.

Conclusion

In conclusion, prevention is the key to a disease-free future. By incorporating these ten healthcare tips into your lifestyle, you can take control of your well-being and significantly reduce the risk of various diseases. Nurturing a balanced diet, engaging in regular physical activity, prioritizing mental health, and practicing good hygiene are essential steps toward a healthier future. Remember to stay proactive, embrace preventive measures, and consult with healthcare professionals for personalized guidance on your journey to optimal health

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Source: CareTips

Benefits Of Exercise For Older Adults, According To Experts

When You Get Older, Exercise Is About More Than Building Big Muscles. 

This article is intended for educational purposes only, and is not intended as a substitute for medical advice. For such advice, consult your physician or other qualified healthcare professional. 

It’s never too late to start an exercise routine and enjoy becoming the fittest and healthiest you’ve ever been—not even if you’re in your 50s, 60s, or beyond. Everyone, regardless of age, can and will benefit from exercise, says Dr. Alyssa Kuhn, doctor of physical therapy.

“Exercise is tied to so many health benefits not only for your body but also your mind as well,” she says. “If you want to stay sharp, independent, and healthy, exercise is a must, no matter if you are 50 or 90.”

Whether you’ve never exercised before or you’re rekindling an old habit, here are nine big benefits of exercise for seniors to keep you motivated for the long haul. Plus, our Home Gym Community shares how they’ve adjusted their fitness routines with age and their main motivations for working out as they get older.

Physical Health Benefits Of Exercise For Older Adults

A graphic showing an adult swimming for exercise

Bone Health: Preventing Osteoporosis

Osteoporosis is a top health concern for older adults, especially for women, who are more susceptible to bone loss later in life. As you get older, your bones begin to deteriorate faster than your body can create new bone tissue. This results in porous bones, which are weaker and vulnerable to fractures.

Weight-bearing exercise and resistance training are the top ways to combat osteoporosis. Weight-bearing exercise is any type of exercise that involves working against gravity. Examples include walking, hiking, climbing stairs, and dancing. Resistance training includes bodyweight strength training as well as weight training with equipment such as dumbbells.

Muscle Health: Preventing Sarcopenia

In addition to strengthening your bones, exercise—especially resistance training—also strengthens your muscles and helps you build more muscle tissue. Like osteoporosis, sarcopenia is a degenerative condition that affects older adults, except sarcopenia is the loss of muscle, not bone. After middle age, adults tend to lose about 3% of muscle mass each year on average.

Exercise is the single most effective way to battle and reverse age-related muscle loss. Strength training is essential when it comes to muscle loss, as resistance training directly impacts factors that affect muscle growth. Specifically, lifting weights promotes the production of growth hormones and muscle protein synthesis (the process by which your body uses protein to make new muscle tissue).

Cardiovascular Health: Blood Pressure, Cholesterol, And More

Beyond bones and muscles, exercise also improves cardiovascular health and reduces your risk of heart disease.

Blood Pressure

Exercise has positive effects on blood pressure because it makes your heart stronger. A stronger heart can pump more blood with less effort, thus decreasing the amount of pressure on your blood vessels.

Most of the research on exercise and blood pressure looks at aerobic exercise, like walking and swimming, but some research also suggests that resistance training can lower blood pressure in the elderly, too. A program with combined cardio and strength training might be best at lowering blood pressure, according to some research.

Cholesterol 

High cholesterol is a risk factor for heart disease, and managing your cholesterol is one way to maintain your health as you get older. There’s a linear relationship between the two, meaning that, up to a certain point, the more volume you do, the more your cholesterol levels improve.

Heart Disease

All types of exercise reduce your risk of heart disease (this is a “something is better than nothing” scenario), including heart attack, stroke, peripheral artery disease, coronary artery disease, atherosclerosis, cardiomyopathy, and more.

Both strength training and cardio exercise have benefits, but again, science suggests that a combined program with both types of training has the best outcomes on heart disease risk factors.

Maintain Independence: Strength, Balance, And Coordination

An often-overlooked benefit of exercise is its ability to simply allow people to take care of themselves. Seniors often lose their independence when day-to-day obligations become too difficult. Physical activity helps you maintain your independence longer.

Balance and Coordination

The risk of falling and injuring yourself increases as you get older. This is due to many factors, but largely a loss of muscle mass (causing weakness) and a loss of balance and coordination. Keeping your muscles strong reduces your risk of falling, and performing specific exercises to help with balance will improve your ability to take care of yourself in old age.

Activities of Daily Living

Thanks to all of the above—stronger bones, bigger muscles, a healthier heart, and better balance—regular exercise is vital to maintaining your independence. Many seniors require full-time care because they can no longer perform activities of daily living on their own.

Activities of daily living include basic day-to-day tasks, such as going to the bathroom, getting dressed, taking a shower, preparing food, cleaning, and generally moving about your home and community. Physical activity, or lack thereof, is directly related to seniors’ ability to perform activities of daily living.

Mental Health Benefits Of Exercise For Older Adults

A graphic image of a cartoon brain lifting dumbbells, depicting how exercise is important for mental health

The benefits don’t stop with physical improvements. Strength training, and exercise in general, is shown to have robust effects on the mental and emotional health of older adults.

Decreases Risk Of Depression

Seniors have an increased risk of developing depression, according to the Centers for Disease Control and Prevention (CDC). And like the CDC says: Depression in older adults may be common, but it’s not normal. The risk of depression increases as you age largely because the risk of other chronic illnesses increases with age—and depression is more common in people who have other health conditions.

Physical activity is one of the best lifestyle-related antidotes to depression in people of all ages. More research is needed to understand how exercise might be prescribed as a defense against depression, but there’s no shortage of evidence that regular physical activity can elevate mood in the short term and also help regulate your mood over time.

Helps You Find A Community

An unfortunate fact of life is that with age, often comes loneliness. Seniors are vulnerable to loss—of family, friends, partners, and pets—and it can be a serious detriment to their mental health. Fitness is a good way for seniors to discover a new community and find like-minded individuals to spend time with. Whether you join an in-person gym or invest in a community-driven platform like the MIRROR, you’re sure to build new connections when you pick up a fitness habit.

Improves Memory

Memory loss is a major concern for the older population. Luckily, there are a number of ways to combat memory loss as you age and, you guessed it, exercise is one. Physical activity has been linked to improved memory, of both the spatial and verbal varieties. (Spatial memory is your ability to remember things like where you left your car keys or how to get to your mom’s house without needing directions. Verbal memory is your ability to remember what you read and hear.)

Exercise is also shown to improve working memory, which refers to the way your brain stores, analyzes, and changes information during cognitive tasks. An example of working memory is doing a math problem and “seeing” the numbers in your head, or in a common case here at Garage Gym Reviews, using instructions to assemble a piece of fitness equipment and then using that memory to assemble a similar piece of equipment without instructions.

Increases Cognitive Function

Not to get overly excited, but recent research showed that a single bout—specifically a 20-minute session on a stationary bike—can boost cognitive function in older adults. Obviously, there are a lot of caveats here (like the fact that the boost is temporary and the classic “more research is needed”).

But still. How cool! This finding suggests that the mental health benefits of exercise appear much more quickly than previously thought. On top of that, exercise is shown to reduce the risk of various types of cognitive decline, including dementia, later in life.

Improves Quality Of Life

All exercise improves quality of life through a marriage of all of the above benefits. Between stronger bones and muscles, a healthier cardiovascular system, better coordination and balance, better memory, and a healthy social life all put the “golden” in your golden years.

How The GGR Community Adjusts Their Home Fitness Training As They Age

A pie chart depicting responses to the question: "How have you adjusted your fitness routine as you've gotten older?"

The team at Garage Gym Reviews wanted to understand our community members’ reasons for working out and how they’ve adjusted their workout routines as they get older. So naturally, we polled our Home Gym Community group on Facebook.

We asked two questions:

  • How have you adjusted your fitness routine as you get older?
  • What’s your main motivation for working out?

Here are the results.

Adjusting Routines With Age

  • 34% of people say they work harder to get bigger and stronger
  • 28% say they listen to their body and adapt accordingly
  • 9% say they lift lighter weights and do more reps, and that they aren’t worried about personal records
  • 6% say they focus less on strength training and more on aerobic exercise or other activities
  • 6% say maintenance is more important than PRs
  • 3% say they take more rest days
  • 3% say they incorporate more rest between sets
  • 3% say they lift more weights and do less cardio or plyometric exercise

Motivation for Working Out

Our Home Gym Community members shared a number of different reasons for working out, now and as they get older. Here are screenshots showing what our community had to say.

To enjoy their golden years: 

A screenshot of a Facebook comment saying: "I'll be 50 in about 6 months and I am going to do everything within my power to be physically active as long as possible and live a long joyful life.. Modern medicine can keep people alive long past their expiration date now. But I want to be able to enjoy those years."

To continue pursuing their hobbies: 

A screenshot of a Facebook comment saying: "My main motivation for exercising is to continue living a full, active life. At 49, I enjoy snow skiing, wake surfing, hiking, strength training, tennis, domestic and international missions … I hope to be the grandma on the boat teaching my grandkids how to love and live life to the fullest"

To avoid health issues common in the family: 

A screenshot of a Facebook comment saying: "Fear and stress. Both my parents died at 62, 18 months apart, dad from complications of diabetes, mom from a massive coronary. What they had in common was while successful as hell in life, they were sloths and obese, and didn't take care of themselves. Add in I'm a recovering alcoholic and the primary caregiver to my girlfriend who developed schizophrenia late in life, so I'm doing everything possible to stay ahead of the game now."

To stave off common medical conditions among older adults: 

A screenshot of a Facebook comment saying: "I'm 52, and I work out to stay ahead of the infirmities that afflict so many of the sedentary people I know in my age range."

To simply stay in shape: 

A screenshot of a Facebook comment saying: "Be in better physical shape each year. I will be 58 in July."

Exercising As An Older Adult: Frequently Asked Questions

To help you better understand exercising as an older adult—and doing it as effectively and as safely as possible—the Garage Gym Reviews team consulted some experts in the industry. This Q&A with physical therapists, medical doctors, and fitness professionals who specialize in training older adults will help you get started on the right track.

How much exercise do older adults need?

For those new to exercise, three days per week is a great place to start, says Dr. Alyssa Kuhn, physical therapist, osteoarthritis expert, and CrossFit Level-1 Coach. “This will of course depend on the intensity of your workout and what type of workouts you’re doing,” she clarifies.

“For example, if you’re walking or doing another form of low-impact aerobic activity, you may not need as many rest days,” Dr. Kuhn says. “If you’re starting strength training with weights, you may need to take a day or two in between workouts to recover and allow your muscles to repair.”

You can gradually increase your workout frequency to five days per week, Dr. Kuhn says, so long as you don’t feel like you’re overtraining or, in the case of medical considerations or injuries, aggravating any existing conditions.

To get a little more specific, public health guidelines (from the American College of Sports Medicine and the Centers for Disease Control and Prevention) include 60 to 75 minutes of vigorous aerobic activity per week or 150 minutes of moderate aerobic activity per week, plus two to three strength training sessions.

I haven’t worked out in a long time. Where do I start?

Dr. Kuhn recommends spending at least a few sessions with a trusted physical therapist or movement specialist (like a personal trainer or corrective exercise specialist) who can appropriately evaluate important factors that will affect your exercise capabilities. A movement professional will evaluate things like range of motion in all of your joints, muscular imbalances, core control, flexibility, balance and coordination, and posture.

Too often, people injure themselves trying to start a new workout program without prior evaluation or guidance, Dr. Kuhn says. For most people, a good place to start is a combination of aerobic activity and light strength training. The most important thing upon starting is to not do too much, too soon, and disallow your body a chance to recoup.

Is it too late for me to exercise and still get all of the benefits? 

It’s never too late for anyone to start exercising and reap the benefits. It doesn’t matter how old you are or how out of shape you think you are: Studies show that seniors experience positive changes in response to exercise, including cardio and strength training. Benefits include explicit health improvements, such as increased muscle mass, as well as qualitative benefits, such as improved quality of life.

Do I need any special equipment?

Nope! You can get a great strength training workout with just your body weight. Resistance exercises such as squats, lunges, push-ups (and any modified version), and many more, can significantly improve your strength. For comfort, it’s worth it to invest in a good yoga mat to do exercises on.

It’s always helpful to have fitness equipment on hand, and you may find that using strength training equipment expedites your results. Before you start using dumbbells, resistance bands, or any other equipment, consult a personal trainer or study up on proper technique yourself.

Should I consult with my doctor beforehand?

If you have any existing medical conditions or injuries, yes, you should consult with your doctor before starting an exercise program. Consulting your doc is not a bad idea even if you don’t have any existing medical conditions.

Should I change my diet if I am going to strength train?

In general, unless you’re actively trying to lose weight, you will probably need to increase your calorie intake when you start an exercise program. For strength training specifically, increasing protein intake will help with muscle protein synthesis, the biological process that must take place for your muscles to grow. Everyone’s nutrient needs differ, so keep in mind that these are simply general recommendations.

What types of exercises are best for seniors to focus on?

Just like your diet won’t look the same as everyone else’s, neither will (nor should) your workout program. In general, however, most seniors will benefit from a mix of aerobic exercise such as walking or swimming, low-impact strength training with a focus on compound movements, and some sort of flexibility, mobility, and balance training such as yoga.

How often should seniors engage in strength training?

Dr. Tim Shuckers, physical therapist, says older adults should have at least two strength training workouts per week. Not every session has to be a weight training session, he says: Strength training for seniors can also include yoga, Pilates, bodyweight training, and working with resistance bands.

The Main Takeaway

The bottom line is that it’s never too late to start strength training (or exercising in general). Exercise, and strength training in particular, poses a number of benefits for older adults: increased muscle mass, increased bone density, improved heart health, improved balance and coordination, reduced risk of chronic disease, and so much more. All of these benefits come together to provide the ultimate benefit older adults are looking for: The ability to maintain their independence and enjoy life free from pain and illness in older age.

The post Benefits Of Exercise For Older Adults, According To Experts appeared first on Best Homecare Tips.

Source: CareTips

Understanding the Pros and Cons of Medicare Advantage

Medicare is a health insurance package sponsored by the federal government. Unlike Medicaid, which focuses on low-income individuals who meet certain criteria, Medicare is offered to adults who are either over the age of 65, living with disability, or suffering from end stage renal disease.

Medicare comes in four different parts, starting with Part A that covers hospital expenses. Part B covers medical expenses, which can include medical equipment, doctor visits, and labexaminations, while prescription drug coverage comes in Part D. Additionally, individuals can get all three parts under a single package, which is called Medicare Advantage, or Medicare Part C. Rather than being paid for by the state, Medicare Advantage plans are offered by private service providers. Despite providing more coverage, Medicare Advantage plans tend to cost less than traditional Medicare, though there are a few drawbacks. Below, we’ll list the three advantages and three disadvantages that come with Medicare Part C.

Pro: Cheaper Drug Coverage

Most Medicare Advantage plans will include Medicare Part D. Deductibles for prescription drugs under a Medicare Advantage plan will usually be lower than in standard Medicare Part D plans. In 2020, the deductible amounted to $121 for Medicare Advantage, versus $435 for Medicare Part D. You might be limited in your choice of drugs, so be sure to check whether your plan includes the prescriptions you need.

Pro: Added Benefits

Medicare Advantage plans often come with added benefits not covered in traditional Medicare. Kelsey Care Advantage shows that dental, vision, and fitness coverage are some of the things a Medicare Advantage benefits package can include. These benefits let you take better care of your health as a whole while reducing expenses and saving you the effort of having to research services.

Pro: Out-of-pocket Spending Limit

Thanks to the Affordable Care Act, Medicare Advantage plan providers are legally obligated to set dollar amount limits on out-of-pocket medical expenses. This limit can vary depending on your provider but generally falls between the $3,000 to $6,000 range. If your spending exceeds your provider’s out-of-pocket spending limit, you will no longer be charged for any medical expenses for the rest of the calendar year. There are no such limits in traditional Medicare. Therefore, Medicare Advantage might prove useful to individuals expecting to spend heavily on medical expenses.

Con: Limited Network Coverage

Medicare Advantage Plans save money by sourcing services from limited provider networks. Many providers will charge patients extra fees for enlisting out-of-network services. If your healthcare needs require the insight of many different specialists, these networks could limit your options for treatment.

Con: Lack of Portability

Your network might be limited to a certain service area. Should you move or travel, your Medicare Advantage Plan will not travel with you. In fact, if you continuously travel outside of your provider’s service area for over six months, your provider may automatically disenroll you. The majority of Medicare Advantage providers will not cover even emergency expenses for those traveling outside the United States.

Con: Need for Doctor’s Referral

Healthline notes that patients enrolled in a Medicare Advantage plan cannot seek the services of specialists unless they secure a referral from a specialist. Having a middleman between you and specialist services can cause delays when seeking treatment. For example, if you’re concerned about your heart health, you’d only be able to secure an appointment with a cardiologist after a meeting with your primary care physician.

Compared to traditional Medicare, Medicare Advantage can offer more coverage at a lower cost. However, the lack of flexibility in their limited provider networks might keep you from getting the treatment you really need. Before deciding on a health insurance package, make sure to determine whether their features align with your specific healthcare needs.

For more health management tips, check out our blog at Best Home Care Tips.

The post Understanding the Pros and Cons of Medicare Advantage appeared first on Best Homecare Tips.

Source: CareTips

How to Avoid the Effects of Pandemic Fatigue and Caregiver Burnout

caregiver stress pandemic fatigue

Caregiver burnout is a common cause of stress, mental health issues, and health conditions. It has been experienced by the dedicated men and women who have been risking their lives to care for elderly and disabled individuals during the pandemic. 

What Causes Burnout?

Pandemic fatigue is a specific form of burnout experienced by many caregivers who work with elderly or sick individuals who were disproportionately affected by the Covid pandemic. Seniors and their devoted caregivers have been especially vulnerable to Covid since the start of 2020. That level of sustained stress can affect your health. 

How to Recognize Caregiver Burnout

When you are in the beginning stages of burnout, it can be challenging to identify the symptoms. Below are signs of caregiver burnout. 

  • Chronic tiredness
  • Depression or anxiety
  • Difficulty focusing
  • Feeling stress related to working with clients
  • Intrusive thoughts and fears related to the pandemic, including anxiety about catching or spreading Covid

4 Caregiver Tips for Better Self-care

To provide quality services to your clients, you need to practice self-care. Below are a few useful tips for practical and real-world ways you can destress your life and feel better. Rest and heal your mind, body, and soul by trying the following:

  1. Connect with others through social interactions and by talking to friends or family who may have seemed out of reach since the lockdowns.
  2. Find ways to relax alone using meditation or relaxation techniques. Enjoy the little things and make time for yourself each day. 
  3. The mind reflects the body. Take care of your body by eating nutritional meals, exercising, and getting quality sleep.
  4. When you feel overwhelmed, reach out for help by talking with a loved one, coworkers, a support group, or taking time off to see to your own health. 

The post How to Avoid the Effects of Pandemic Fatigue and Caregiver Burnout appeared first on Best Homecare Tips.

Source: CareTips

How Covid Has Impacted Mental Health in the Home Care Field

Senior woman standing alone at home

The coronavirus pandemic has had a significant impact on the mental health of older adults. It has been an exhausting period for everyone, including primary caregivers, but there is some good news. You are not alone, and there are passionate, reliable caregivers near you waiting to help. 

The Effects of Loneliness on Seniors

One of the highest risk factors for developing a mental illness in elderly individuals is loneliness or isolation from others. Primary caregivers can experience the effects as well. Learn more about valuable tips on how to counter caregiver exhaustion and loneliness and how to help aging parents to beat the loneliness

How Isolation Can Impact Your Loved One 

Isolation from Covid has had an unprecedented effect on everyone around the world, but few demographics have been as hard-hit as the elderly community. There is plenty of research showing evidence that isolation can decrease cognition, increase mood disorders, and it is a considerable risk factor in developing physical and mental ailments. If you believe your loved one is suffering adverse effects from isolation, there are some things you can do, including providing them with companionship care. 

In-home Caregivers Can Help

There are several ways that having an in-house caregiver can lower the risk of developing loneliness while decreasing the effects of isolation. They include the following. 

Find Out More

You can discover peace of mind by finding compassionate caregivers in your community. Reach out to local resources to learn about services in your area. 

 

The post How Covid Has Impacted Mental Health in the Home Care Field appeared first on Best Homecare Tips.

Source: CareTips

How to Prepare Seniors For the Covid-19 Vaccine

senior and covid-19 vaccine

Some older adults may be hesitant to get the covid-19 vaccine due to things they have heard on social media or fears about safety. There are things you can do to reassure them and prepare them for getting the vaccine.

Covid Vaccines Are Safe

Although the vaccines were created very quickly, they are incredibly safe and have been stringently tested. You can reassure your loved ones that the vaccines currently available are perfectly safe for them to take. A few of the reasons labs were able to develop them quickly were due to the following conditions.

  • Superior technology
  • Emergency funding
  • Researchers had a head start due to having detailed information on similar viruses

Vaccines are Not Instant Cures

Even after your loved one gets the vaccine, there will be a period of time – usually two weeks – before they are considered fully vaccinated by medical standards. Some vaccines might require two shots and an additional two weeks. You will want to speak with your doctor to learn more about the differences in each vaccine so you can make the best decision on which will be easiest for your loved one.

Expect Side Effects

Not everyone experiences side effects, but most people have at least some minor, temporary muscle pain near the injection site. Your doctor can provide a complete list of possible side effects.

Vaccines Are Essential

You will want to press the critical nature of the vaccines. These are going to significantly reduce the risk of contracting the virus or experiencing any symptoms if it is contracted. It will save lives and allow your loved ones to stop feeling isolated from others. Many cities are opening up and allowing vaccinated people to attend social events. Reach out today to learn more and discover resources in your area.

Stay tuned for more covid-19 updates and home health care news.

The post How to Prepare Seniors For the Covid-19 Vaccine appeared first on Best Homecare Tips.

Source: CareTips

$50 SELFIE CONTEST WINNER: Mykesha, Joann & Mystic

Get the opportunity to earn $50 Credit to your UJATCare Account.
How?
You have to share Selfie or Groupie of yours, which is taken during the January-2020 Boot camp.
That’s it?? YES
$50 Selfie Contest Winner of 15th Jan-20 :
Joann Takacs from Phoenix Rising Home Care, LLC. Bala Cynwyd- Pennsylvania
Mystic Rosa from Wrapped in Care. Santa Clarita-California
Mykesha Blair from Loving Our Valorous Elderly. West Hollywood-California

The post $50 SELFIE CONTEST WINNER: Mykesha, Joann & Mystic appeared first on Best Homecare Tips.

Source: CareTips

$50 SELFIE CONTEST WINNER: Lakeisha & Shirley Creighton from The Right Care For You

Get the opportunity to earn $50 Credit to your UJATCare Account.
How?
You have to share Selfie or Groupie of yours, which is taken during the January-2020 Boot camp.
That’s it?? YES
Selfie Contest Winner: Lakeisha & Shirley Creighton from The Right Care For You (Pennsylvania) while Taking the Lunch at the Bootcamp.

The post $50 SELFIE CONTEST WINNER: Lakeisha & Shirley Creighton from The Right Care For You appeared first on Best Homecare Tips.

Source: CareTips

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What we offer

  • Wound Care
  • Care of chronic diseases & Education
  • Cardiac Care
  • Pulmonary Care
  • Orthopedic Care
  • Brain Injury/Stroke Care
  • Medication management
  • Post surgical management
  • Diabetes management
  • Pain management
  • Dementia & Alzheimer
  • Assessment of blood pressure, pulse, respirations, lung sounds, blood glucose or pulse oximetry, as ordered by your doctors
  • Home Health Aide/Certified Nursing Assistants
  • Homemaker
  • Medication Reminder
  • Medical Escort
  • Companions
  • Physical Therapy
  • Occupational therapy
  • Fall Prevention
  • Medical Social Worker Services

NewVision understands that navigating our healthcare system is complex for clients and families alike. That is why we also offer a comprehensive care management program that is strictly run by our advanced level nurses who are well-versed in the complexities of the healthcare system. Our approach is team-based and patient-centered, it is designed to make healthcare simple.  Services include but not limited:

  • Assess and develop individualized plan of care
  • Implementation of a comprehensive plan of care
  • Conduct ongoing assessments to monitor and implement changes in care
  • Oversee and direct care provided at home
  • Medication management and treatment plan review
  • Assist with advance directive
  • Find appropriate solutions to avoid a crisis
  • Coordinate medical appointments and medical information
  • Provide transportation to medical appointments
  • Assist families in positive decision making
  • Develop long range plans for future needs
As clients transfer from acute and/or post acute care settings back into the communities, the process can be fragmented and as a result this can be detrimental to clients with complex care needs. Transitional care is there to prevent the care gap that exist between the “handoffs” from the hospital to the outpatient care teams. Our well trained and experienced advanced level nurses and nurse practitioners will connect the pieces from the acute and/or post acute care settings accurately. Our goal is to safely link clients back into the communities in a safe manner through coordination with inpatient, outpatient care teams along with family members. Our comprehensive plan of care is design to prevent unnecessary readmissions.

Contact Info

1 Frank Leary Way, Unit 1

Randolph, MA 02368

888-276-4747
info@nvhcs.com

Emergency Service/On-Call Clinicians Are Available: 24/7
Daily: 9:00 am - 5:00 pm
Saturday | Sunday: Closed

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