Respiratory Help Is available For Seniors With Copd

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As Hmos Continue to Drop Coverage for Seniors - Now Over 500,000 Victims - Those Needing high-priced Respiratory Medication, maintain and Homecare Services are the Hardest Hit

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One patient Advocate, Geriatric Services of America, is Providing Relief to Victimized Patients straight through a Unique, Often No-Cost Program

More than 536,000 Us senior citizens are scrambling to find new doctors or new coverage because their health plans finished their Medicare managed-care services, agreeing to a Nonrenewal record issued by the Centers for Medicare & Medicaid Services for the year 2002. Among the hardest hit are seniors in California (84,000), Florida (59,000), Pennsylvania (55,000), New Jersey (53,000), Texas (46,000), and Michigan (31,000), who will be losing coverage in the advent year. Even those with lasting coverage face titanic selected hikes and dwindling drug benefits. Particularly hard hit will be those with lasting illnesses such as respiratory disease, who will bear the brunt of high medication and healthcare costs.

Though all seniors 65 and older are covered by Medicare, those enrolled in managed-care programs agree to see doctors within a miniature network and receive supplementary benefits, such as preventative care and prescription-drug coverage. The current coverage urgency stems from rising delivery costs and miniature government reimbursement, as doctors and hospitals increasingly balk at finding Medicare Hmo patients, since they aren't sufficiently reimbursed for their services. Without adequate doctors and hospitals providing care, an Hmo can't serve its members. The question is worst in large urban markets, where more than half of Medicare + choice beneficiaries live nationwide but where refund rate increases have trailed rising costs since 1997.

To compensate for the funding shortfall, premiums for seniors retaining Medicare Hmo coverage are staggering to spike while benefits dwindle in the advent year. In California's Sacramento-area, for example, monthly premiums for Kaiser Permanente's Senior advantage Medicare Plan will double from to starting Jan. 1st. Healthnet, following suit, is raising premiums 50 percent, from to per month for its Seniority Plus members in the area. Pacificare and Western health Advantage, while keeping monthly premiums at in their Sacramento-area Medicare plans, will eliminate brand name drug coverage next year.

Across the nation, seniors caught in the middle of rising premiums and shrinking coverage will find themselves in a similar bind. Even those with Medigap policies will feel the squeeze. Medigap policies A straight through J, for instance, have minimum acceptable advantage packages, and the H, I, and J plans exterior prescriptions have yearly drug caps fluctuating from ,250 to ,000.

For the 30 million Americans with a lasting Obstruction Pulmonary Disease (Copd) such as asthma, emphysema or cystic fibrosis - collectively the fourth foremost cause of death in the Us, however, help is ready with Geriatric Services of America (Gsa), a national community service organization based in Tempe, Arizona which provides direct help and maintain to older Americans suffering from lasting respiratory disease. straight through its Respiratory Disease operate Program, Gsa provides entrance to a whole range of special medication benefits, as well as maintain and homecare services, which eliminates out-of-pocket expenses for patients with customary or supplemental guarnatee coverage.

Through Gsa's patient maintain center, nebulizers and respiratory medication are provided and paid for with free home delivery, comfortably packaged and ready to use. Gsa handles all paperwork, and clinical patient Care Coordinators work with doctors and guarnatee fellowships once a patient has enrolled in the Respiratory Disease operate Program. Patients can enroll themselves in the program; there is nothing to buy, and no enrollment or membership fees.

Currently, Medicare, Aarp, Blue Cross, Blue Shield, and over 180 other insurers have special benefits for patients with respiratory disease. Gsa provides entrance to these benefits, and coordinates all elements of care to help patients, doctors, and guarnatee fellowships combat respiratory disease.

At a time when Us seniors face restricted health care access, rising premiums, and shrinking benefits, Gsa stands out as a welcome ally for those needing respiratory medication benefits, support, or homecare services. For more data about Gsa, or how man you know can enroll in this special wellcare program, write to 4812 South Mill Ave., Tempe, Az 85282; call 800-307-8048; fax 800-345-2425; or email Gary Rheault directly at grheault@geriatricservices.com.

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Danger Zone - Obtaining Life insurance When You Work in a High-Risk Environment

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Whether you're headed to Haiti as a volunteer helping to restore the earthquake-ravaged country, or to Iraq as an worker rebuilding its infrastructure, or even off the shores of Somalia as ship crewmember and scuba diving adventurist, you or your boss will most likely be finding at higher premiums - if you can get life assurance at all.

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All three countries are included on the U.S. State Department's trip warning list, which is updated constantly, and which assurance brokers say is used to decide how much you will be charged for a new or updated life policy - or if you will be offered a policy altogether.

According to the Web site, trip warnings are issued to recap long-term, protracted conditions that make a country dangerous or unstable, or when a U.S. Embassy or consulate closes, restricting government aid to its citizens there.

The list includes war-torn countries like Iraq and Afghanistan, Chad and Sudan with their rebel violence and Mexico with its violence among drug cartels. In each case, the chances of being kidnapped and held for ransom, or injured or killed in the crossfire, are real.

"The more unstable and dangerous a country is and the more likely something bad will happen, the less likely you are to get insurance, not even from Lloyd's of London, which provides specialty assurance if you can pay the price," says Ryan Pinney, a high-risk specialist with Pinney assurance Center, Inc. In Roseville, Calif.

Members of the forces going into war zones have coverage through the government-provided Servicemen's Group Life Insurance, which Pinney says costs about a month for 0,000 coverage. In addition, many incommunicable assurance companies cover all forces members at no extra cost," says Michael Tessler, president of Brokerage Unlimited in St. Louis, Mo.

However, most companies won't insure you if you are going to a war zone as a contractor or working on an oil rig off the coast of Nigeria.

Iaian Donald, with operate Risks, an independent specialty risk consultancy, says some companies that send workers to dangerous places will pay for their employees' life assurance as part of their urgency policy. Huge corporations like Haliburton, have global policies to cover any destination. "The price can be nominal if the company is big enough," Donald says. companies that send employees to a particularly dangerous place, together with foreign journalists, can buy a policy from a high-risk specialist such as Lloyd's of London for a positive whole of staff and the underwriter will come up with a price, Donald says.

Pinney says if you're just flying into Afghanistan's main airport, which is a green zone, and don't leave the area, and can document that, assurance companies will insure you.

If you're doing long-term missionary work in a dangerous country with no easy way to good curative care, few assurance companies will insure you, Tessler says.

If you're a member of the American Red Cross or the Peace Corp., Pinney says you will need to have your own life assurance as neither agency provides it for their volunteers. He says you would probably be limited to proper condition class if embarking on a two-week trip to help a dangerous country like Haiti, which means you'll have a mid-rating if you are relatively healthy. He says underwriters will look at where you're going, what you'll be doing while there and how long you'll be gone, to decide a price.

"It could cost you as much as 25 to 50 percent more for a policy because of the danger," Pinney says.

If you plan on indulging in greatest sport action - such as scuba diving or rock climbing -during your off-work hours, expect to pay even more. Pinney says you are rated up two times for each sport you do. "You could pay 50 cents per ,000. Multiply 50 cents by a 0,000 policy and it gets expensive. If you buy the cheapest 10-year term assurance you would pay 0 to 0 a year for a 0,000 policy if you're rated beloved best, and 0 to 0 a year for a proper policy if you do these sports," Pinney says.

Top 10 Most dangerous countries

Following is a list of the top 10 most dangerous countries in the world right now, agreeing to operate Risks. The company advises and assists corporations, government and non-government entities to help cut their and their employees' risks. Some countries are just dangerous in definite areas, as listed, not necessarily the country as a whole.

For example, if there is a high risk for travel, foreign visitors from the U.S. May find themselves in a situation where there is a opening of being kidnapped when traveling by foot or land, or they may be unable to get a flight out of the country if civil or political unrest erupts. Also, some countries are so dangerous for foreign travelers that there is a high probability that if something were to happen to them, the embassy in that region would not be able to help.

The countries are listed in alphabetical order; all are very dangerous in terms of security, most in terms of travel, and all are on the U.S. State agency trip warning list.

1. Afghanistan: With the war on terror having shifted from Iraq to Afghanistan, and the risk of terrorism high, the country as a whole is determined very risky for travel, agreeing to Donald. operate Risks rates it very risky when it comes to operating a company in various regions of the country. For instance, there are risks that would impact a company logistically in addition to fraud and corruption which often includes exposure to officials seeking bribes. Also, there are high protection risks, a great inherent for terrorism and greatest political unrest.

2. Chad, Sudanese border: The two countries have been engaged in hostile relations for years, with each supporting rebel groups in the other country. The battles have left many dead, particularly in the Darfur region of Sudan. operate Risks rates it greatest for security, high for political unrest, trip and company ventures and low for terrorism.

3. Congo (North Kivu province): Militia violence against the government in this African country has settled it high on the warning list, Donald said. It received greatest ratings for protection and travel, political unrest and company operations and low for terrorism.

4. Iraq: U.S. forces still are primarily in this country now to keep peace between the Arabs and Kurds, but hostile relations between the two sides continue. It is still rated very dangerous for security, terrorism and travel, high for politics and company operations, Donald said.

5. Pakistan: The threat of terrorism and the protection factor against the government have settled the whole country on high protection alert, Donald said, with the Federally Administered Tribal Areas the only area in the world to receive greatest risk ratings across the board from operate Risks. The forces has been especially active in this Afghan Taliban and al Qaeda stronghold.

6. Palestinian Territories, Gaza Strip: Ongoing fighting between Palestinians and Israelis over this portion of land has consistently settled this area on the trip danger list. operate Risks rates it very dangerous for political, protection and trip reasons, high for company operations and low for terrorism.

7. Somalia: With no working government, law obligation or institutions, and with pirates attacking ships on the water, this country has been labeled dangerous both on land and water, Donald said. It has been given very dangerous ratings in all areas but terrorism, where it was given a high rating for danger by operate Risks.

8. Sri Lanka: Fighting government factions have resulted in one of the longest and bloodiest wars in Asia. The northern province is particularly dangerous, agreeing to Donald, receiving greatest ratings for political, company operations and protection reasons and high ratings for terrorism and travel.

9. Sudan, Darfur: Decades of civil war have included genocidal violence, rapes and mass displacement against civilians, many of whom are left in refugee camps. It received very risky ratings in protection and travel, high in political unrest and company operations and low in terrorism.

10. Yemen, Saada Province: Fighting between the Yemeni army and rebels in this Northern Province has left many dead and buildings destroyed. And it has left the Saada region with an greatest rating for protection and travel, and a high rating for political unrest, company operations and terrorism.

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How to Get Life guarnatee When You're Hiv-Positive

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Although there have been curative advancements that have helped to prolong the lives of Hiv patients, seeing life guarnatee coverage for Hiv infected individuals continues to be elusive.

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How is How to Get Life guarnatee When You're Hiv-Positive

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According to the most up-to-date statistics by The Henry J. Kaiser house Foundation, the amount of new Hiv infections in the U.S. Reached 56,300 in 2006. The amount of habitancy living with Hiv/Aids was 1.1 million, with 468,000 of those individuals living with Aids. The U.S. Division of health and Human Services reported in 2007, that the largest amount of new Hiv/Aids diagnoses for persons aged 40 to 44 accounted for 15 percent of all Hiv/Aids diagnoses in that year.

Respectively, the use of antiretroviral (Arv) Therapy or highly active antiretroviral therapy (Haart) such as protease inhibitors with a compound of other Hiv drugs have extended the life of those living with Hiv by slowing the progression of the disease to full-blown Aids. A study by the National Aids treatment Advocacy scheme in New York and the Athena National Observational Cohort Study in February 2010 found that the midpoint life expectancy of habitancy living with Hiv has been extended from seven years (before 1995) to 24 years - if they corollary the proper drug therapy regimen. This includes those who take their medications on a regular basis and maintain a healthy lifestyle.

Ryan Pinney, brokerage director and life impaired risk expert at Pinney guarnatee town Inc. In Roseville, Calif. Says following the introduction of drug cocktails that counter the infection- habitancy with Hiv can expect to live longer healthier lives.

"If you contracted Hiv in the late 70s or early 80s, it was a death sentence. Nowadays, with the addition of antiviral drugs, it is not uncommon for habitancy with Hiv to live 20 years without the health developing into Aids," says Pinney.
Whose at risk?

From 2004 to 2007, the numbers of Hiv/Aids diagnoses increased among men who have sex with men (Msm).

In that same timeline, the estimated numbers of Hiv/Aids diagnoses increased among male and female adults and adolescents with Hiv infection attributed to high-risk heterosexual contact.

Cumulatively, Msm (53 percent) and persons exposed to high-risk heterosexual taste (32 percent) accounted for 85 percent of all Hiv/Aids cases diagnosed in 34 states in 2007.

By gender, 77 percent of adults and adolescents living with Aids were male. Of the 104,560 female adults and adolescents living with Aids, 66 percent were exposed through heterosexual contact.

Source: United States Division of health and Human Services

If you have a strong pathology at the start of the illness, meaning you have managed to keep your Cd4 T-cell count above 500 cells for at least three years, chances are you will have a greater life expectancy. In July 2008, a study conducted by the University of Bordeaux, France found that Hiv-positive males whose Cd4 count was above 500 cells for an midpoint of three years, had death rates that were selfsame to those in the general population. Unfortunately, among Hiv-positive women, the death rates didn't equilibrium out even after five years of maintaining a count above 500 cells. In fact, Hiv-positive women experienced a 2.4 percent increase in death rates when compared to the general population. More studies are pending that help account for this phenomenon.

Pinney notes that for habitancy who contract the disease at a young age, the improbability of receiving a life guarnatee policy is higher. However, if you have lived longer with Hiv, it might be easier to get a policy.

"The imagine for this is because you have a proven track article of maintaining the illness," says Pinney.

Dr. Ann Hoven, chief curative officer for the personel Life Division at the Hartford, says that insurers have thought about the possibility of surface Hiv, but there are still a amount of unknowns.

"The basic dilemma is that although the life expectancy for man with Hiv can be over 20 years, those who become newly infected are younger people," says Hoven. "The life expectancy of a man with Hiv is more like 40 to 50 years of age, and most habitancy expect to live to be in their 60's, 70's and 80's."

She adds that it can be difficult to make assessments of a person's life expectancy with Hiv and set premiums based on the data they receive.

"The data indubitably isn't there yet," she says. "There are habitancy who seem to be unyielding to infection where their immune system takes care of it, and then there are others that are wholly vulnerable to this illness. The results of the studies that have been conducted haven't in case,granted any definitive data to pull from when it comes to estimating how long an personel can live with this illness. It's very case by case."

Limited options

When it comes to purchasing life insurance, most habitancy who have been diagnosed with Hiv will be faced with an self-acting decline or enormously high premiums.

"You would have to have a breakthrough to make the numbers work out when trying to write a policy for man with Hiv," says Hoven. "When you look at the numbers the cost would be so astonomical that no one would buy it [the policy]."

"If you have been diagnosed with Hiv, getting life guarnatee may be tough, but it's not unheard of," says Pinney. "It can be ended if you receive guarnatee through a group plan, such as an employer, trade relationship or union."

However, if you are Hiv-positive and you attempt to get life guarnatee on your own, most guarnatee clubs will refuse to sell you a policy, this includes clubs that offer "simplified issue" life guarnatee coverage where you would only have to retort a few health questions. Even when applying for a simplified issue policy, you will likely be required to retort questions about Hiv/Aids. Other, more traditional personel life insurers may also ask that you take an Hiv test.

"The requirement by insurers of an Hiv test varies by state and the face value of the policy," says Kim McKeown, spokesperson for the community of Actuaries. "Nonetheless, the underwriting process is used to see data on one's curative profile, and if the man is taking antiviral drugs which would be found in the curative record, this might prompt an insurer to ask for an Hiv test. Even with the best medication, folks with Hiv do have a shortened life expectancy so the best data potential is vital while the underwriting process."

Mckeown adds that from an guarnatee company's perspective, asking a potential policyholder to take an Hiv test is indubitably no distinct than asking man about his or her house health history, what types of prescriptions they take daily, or if they smoke.

If you are able to get a simplified issue guarnatee plan, they have a diminutive face value amount, typically 0,000 to 0,000 on the high-end of the spectrum.

A more viable option is purchasing a "guaranteed issue" life guarnatee plan. When a policy is thought about "guaranteed issue" this is the maximum amount of coverage allowed to an personel without a curative evaluation. Whatever can purchase a guaranteed issue plan since they do not want a curative exam, but they are commonly nuts and bolts policies that only provide a death benefit. The death advantage is ordinarily ,000 or less and if you die within the first two years after you buy the policy, your loved ones could receive nothing.

There are also small group plans to think that are essentially employer-sponsored specialty plans that cover key employees at a company.

Pinney recalls a situation where a group of partners at a firm requested a guaranteed issue group plan that would cover all the senior and junior partners at the firm. One of the individuals was Hiv-positive and the group managed to negotiate a policy that in case,granted over a million dollars in life guarnatee to each man in the group.

While it's clear that this formula can work, Pinney says that because of the stigma attached to habitancy living with Hiv, this is primarily the imagine why most employees won't propose this type of coverage to their employer.

While man with Hiv may be able to get a life guarnatee policy from an guarnatee business that specializes in high-risk cases, it's inevitable that it will most likely be a precious policy with a graded benefit. For example, a 40-year-old Hiv-positive male can get a ,000 whole life policy, but he would pay a high every year prime of ,600.

"There are very few companies, maybe three or four that offer policies for habitancy with Hiv," explains Pinney. "What they amount to is a guaranteed issue whole life policy with a graded death advantage or a advantage that increases moderately with age and eventually levels off while the life of the policy."

Still, Pinney says that if you die while the first, second or third year of the policy you may only receive your premiums and dividends with interest, other clubs may only payout a specified division of the advantage amount if you die within that timeframe.

Will insurers cover Hiv in the future?

Guaranteed Trust Life guarnatee Co. Based in Glenview, Ill., was the first guarnatee business to offer "impaired risk" whole life guarnatee to Hiv-positive individuals. The business ceased selling the policies in 2004.

"One of the biggest problems with pricing an Hiv policy is figuring out how to price it without getting beat up," recalls Pinney. "At the start of contribution such a product policyholders were seeing at a flat extra of per ,000 in insurance."

Pinney said that recently he attended a life guarnatee consulation and posed the possibility of an Hiv life policy to major life insurers. Unlike Hiv, other curative conditions, such as cancer or heart disease have a longer track article of habitancy having these conditions and best statistical data that an insurer can draw from. Even though Hiv/Aids has been around since the early eighties, Pinney notes that the underwriting science hasn't caught up with curative science yet.

"I don't see this type of product entering the store again anytime soon," notes Pinney. "Part of the question is there is no mortality data ready to originate an correct pricing model. I would be surprised if any guarnatee business would even remotely think it for quite awhile."

"When we solve the societal issues concering Hiv and find best ways to treat the illness or even a vaccine, I think that will be when the situation changes," says Hoven. "I indubitably don't see this happening in the next five years, but we're by all means; of course getting closer to it. "

Hoven recommends that if you have been diagnosed with Hiv and your manager offers life insurance, it's best to take advantage of it.

"You wouldn't go through curative underwriting and you would receive the group-based prime that includes habitancy who have a variety of distinct curative concerns," says Hoven. "Also, if you retire, most group plans allow the policy to be converted to a whole life policy."

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