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California is reportedly one of the four states with the most expensive long term care services, especially those offered in nursing houses. Four million elderly folks in California are either 65 years old or older, and out of this population only a very small percentage will agree to enter a nursing home for fear of experiencing the abuse which some senior patients claim to have experienced. Many of the state’s working class said they will see to it that they have secured a California long term care insurance policy before their scheduled retirement because they refuse to be an addition to the current population relying on Medi-Cal for long term care. Young folks believe that being dependent on Medicaid deprives one the opportunity to receive high quality care, and they won’t have much freedom to choose where to receive care. They say reading articles related to LTC keeps them abreast of the latest happenings in the LTC industry. At present Medi-Cal, the Medicaid program of California, shoulders the LTC expenses of nearly 30% of the state’s total senior population. More than half of this is comprised of women and thus explaining why most LTCI policyholders in California are women, the youngest is reported to be in her 50s. Majority of these California long term care insurance policyholders have purchased the comprehensive policy so they have the freedom to choose where and how to receive care. Though most would still go for home health care, there is a group that prefers to receive care in nursing homes. Some of these senior folks who are brave enough to enter nursing homes say they are aware of their rights. Despite news of elderly patients being mistreated in nursing homes, they are confident that they won’t be additional victims. According to these intelligent senior citizens, upon their admission to a nursing facility they expect to be fed three times a day with meals that are in accordance with the guidelines of the Food and Nutrition Board of the National Research Council. They also expect a nurse to spend at least three and a half hours with them for this is clearly stipulated under the law. What’s more, they say with conviction that they will sue the nurse responsible for their incontinence even at the first offense. They further stressed that paying customers like themselves have the right to accept or deny whatever medication is given to them. California Long Term Care Insurance Is Not Charity Fifteen years down the road, these California LTCI policyholders will require long term care; some at home while others in a nursing home or in an assisted living facility. According to these elders, the fact that they have managed to secure a policy instead of inviting the idea of Medicaid is an indirect way of telling health professionals to provide them with the best care. Aside from wanting to receive topnotch LTC service, they secured LTCI polices so that others will never have the opportunity to look down upon them and their families. Without them saying it outright, it appears that this is how baby boomers in California would want to define aging gracefully and with dignity. Visit our website to get details on the costs of California long term care insurance. Read updates about the 3 in 4 need more campaign.
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