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Since there are more American families who opt for the home care setting nowadays the government is pushing new health insurance programs that support home care and community-based long term care (LTC) facilities in hopes of alleviating long term care costs by state.


Admit it or not Orioles Cal Ripken Jersey , nursing homes nowadays are only accessible to the rich as you won’t find a private nursing home room with an average annual rate that is below $50,000. Average Americans earn an average annual income of $36,000 so if they have to pay for their mom or dad’s one-year stay in a nursing home, which according to Genworth Financial’s 2011 Cost of Care Survey would amount to $77 Orioles Brooks Robinson Jersey ,745, they’ll find themselves neck-deep in debts.


It is only through a nest egg worth a billion or a long term care insurance (LTCI) policy that one can make his way through nursing home expenses.


However, through the Patient Protection and Affordable Care Act (ACA) which President Barack Obama signed into law last year, people can have the option to receive nursing home care right in the comforts of their homes.


Though majority of Americans who are 55 years old and older have expressed their dislike for nursing homes Authentic Eddie Murray Jersey , they do not discount the fact that there will come a time that they will require skilled nursing care. It’s just that they prefer to be monitored by a licensed nurse in their homes rather than in a nursing facility.


It’s comforting to know that with the realization of the ACA also came the Community Living Assistance Services and Support Act (CLASS), a federally supported health insurance program which is designed for in-home care. It’s a good alternative to the traditional LTCI but not exactly a substitute.


Home Care Equates With Lower Long Term Care Costs By State?


Regardless of where you choose to receive care someday, experts say you will really end up shelling out a chunk of your hard earned money for LTC services.


Perhaps that is true but comparing the cost of in-home care with that of a nursing home, you will find a significant difference. Not one state in the country shows lower nursing home rates.


For instance Authentic Jim Palmer Jersey , in Missouri a private nursing home room would cost $52,925 which is fairly smaller than the one in Minnesota which has an average annual rate of $76,796. Going back to Missouri, the annual rate of a home health aide is $43 Authentic Frank Robinson Jersey ,472 as opposed to Minnesota’s $58,916, but the common denominator of both states in line with LTC is extremely high nursing home rates.


Alabama is another state which offers nursing home care at relatively lower figures. At present, the median annual rate of a nursing home here is $65 Authentic Roberto Alomar Jersey ,367 while home health aide services will cost Alabamans $36,562 per annum.


Even assisted living facilities in practically every state have lower rates compared to nursing homes. In Illinois, for instance, assisted living services will cost $3 Authentic Earl Weaver Jersey ,490 a month or $41,880 a year while a nursing home here charges $63,875 for a year’s stay.


Rates of nursing homes vary for every state and these are all accountable for the big percentage of long term care costs by state.

Dissertation methodology

Posted On : Feb-26-2010 | seen (554) times | Article Word Count : 503 |

Dissertation methodology will discuss about the methods those you are going to implement to complete your research project. After selection of a topic and making a workable hypothesis you have to decide whether census or sample survey needs to be implemented for collection of data. Dissertation methodology will discuss about the methods those you are going to implement to complete your research project. After selection of a topic and making a workable hypothesis you have to decide whether census or sample survey needs to be implemented for collection of data.
Sample survey method has definite advantage over census method of collecting information from several stand points-
1) Sample survey takes less time, labor and money than is necessary in complete enumeration Authentic Mark Trumbo Jersey , because only a part of the whole population is investigated. In most cases, time and money is available for the completion of an investigation is limited, and as such it becomes necessary to employ sample survey method.
2) There is greater scope in sample survey than in census. In the former, only a small group of skilled investigators is employed for the collection of information. Although the cost per investigator is larger in sample survey than in census Authentic Joey Rickard Jersey , because of the specialized training to be imparted to these personnel, the amount of information collected by each is much larger. As such, a larger geographical area can be covered and more intensive data collection can be made in sample survey with the same amount of money spent in census.
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