Episode notes: Today Ruth talks about the difference between health insurance and health care. What is actually provided versus what is promised.
Ruth is a stroke survivor sharing tips and advice for rehab, recovery and healthy living including nutrition, exercises, personal care, healing and maintaining a grateful attitude. She can be found online at http://stroke.global were she offers help to stroke survivors and caregivers.
Welcome back to the Healthy Life Podcast... we are currently involved political cycle which amazingly never seems to end any more and a lot of information gets throw about. Today I’d like to talk about the difference between health insurance and health care. What is actually provided versus what is promised. For those of us who have experienced a stroke we have unfortunately been thrown into what is or at least seems to be an untenable situation.
The first thing we need to understand is what is health insurance and how does it work. According to Wikipedia “Health insurance is an insurance that covers the whole or a part of the risk of a person incurring medical expenses, spreading the risk over a large number of persons.” Surprisingly 91.2 percent of Americans have health insurance! And of the 8.8% who do not have it... half of those chose not to invest in it and instead use their money in other ways. Meaning only about 4.4% are uninsured.
Of those insured... 67.2 percent have private insurance and 37.7 percent government ...employer-based insurance was the most common, covering 56.0 percent of the population, followed by Medicaid (19.3 percent), Medicare (17.2 percent), direct-purchase coverage (16.0 percent), and military coverage (4.8 percent).
So does being insured mean I get everything I want or think I need in medical care? The fact is that “Obamacare” dramatically has increased medical costs and not improved medical care. Check out the article I referenced in our episode notes for the article, The Rising Cost of Health Care by Year and Its Causes.
In 2017, U.S. health care costs were $3.5 trillion. That makes health care one of the country's largest industries. It equals 17.9 percent of gross domestic product. In comparison, health care cost $27.2 billion in 1960, just 5 percent of GDP. That translates to an annual health care cost of $10,739 per person in 2017 versus just $146 per person in 1960!
‘In most cases where a patient has suffered from a severe stroke, the post-stroke rehabilitation process begins within two days of the stroke. Usually, this process begins at the hospital and promotes movement in the patient to counteract the weakening and paralyzing effects a stroke can have on the body.”
Rehabilitation centers are often expensive, and many insurance companies may try to avoid paying for it. Having health insurance is important, but it’s only after you experience a need for it you find out insurance companies try to avoid paying for things they do not find necessary. Many times it can be difficult to prove your stroke was severe enough to require treatment at a rehabilitation center or get more rehab and therapy.
Medicare will pay for an inpatient rehabilitation facility the same way it covers hospital stays. This means you are fully covered for 60 days. After 60 days, you will pay $341/day until you reach 90 days, and then $682/day until you reach 150 days. If your care extends past 150 days, you will have to pay the full amount, but your cycle resets after you return home for 60 days.
The reality is most individuals, even if they have insurance, are severely limited in covered rehabilitation options and end up having to do most things on their own. It’s for that reason we have diligently worked on our “DO” app because I know what you are saddled with and must do on your own. I can not state loud enough to never give up! We can and do improve and although insurance coverage often directs what people do it often wastes time on the ineffective but covered and paid for therapies. I’ve seen people put off things because other things were paid for. I understand their reasoning but I also know my recovery solution wasn’t covered and yet I wish I’d pursued individual TCM rehabilitation sooner! The good news is it’s still an option along with so many others...
We’ve reach that time again...Thanks so much for joining me as we learned about “the difference” between health insurance and health care... Remember to visit the stroke.global web site often and give us feedback!... I also hope you’ll join us tomorrow as we learn about vision and eye exercises! As always it’s an honor and a pleasure sharing today.... thank you! I pray that you’ve enjoyed this podcast... we keep it brief so it’s easy to add to your day... we are on iTunes and Google Play and have links to both on our stroke.global page... please subscribe it boosts us in the ratings and helps us in being able to continue these stroke survivor podcasts.
As always we want to thank our sponsor TCM Restoration for helping us by making this podcast possible. Check them out online at tcmrestoration.net
And thank you again for listening... Please feel free to share this podcast with others, offer your feedback and questions, and follow us online at our website stroke.global or on our Facebook page. Well... I look forward to learning more with you tomorrow... as we continue our adventure ...into vision...