Here we are now, with Alzheimer's, Medicare and no insurance coverage for needed services - aides and attendants, case managers and social workers , physical therapists and community centers and nursing homes.
To be effective insurance has to include a very large group. Health insurance doesn't work the way other types of insurance do. We know in advance which members are more likely to need care . The young ones and the old ones and those with existing conditions. These groups are often the least able to pay and so an imbalance between needs and resources is created . Since insurance companies know this they tend to exclude or over price their policies in an attempt to cover only that population with a low risk of filing claims. That is their business model.
As Congress wrestles with the appropriate role of government in the protection of it's citizens we hope they will consider home and long term care coverage. With an aging population and increases in dementia and Alzheimer's cases this is a growing problem for sufferers and caregivers who right now have to muddle through on their own.
With thanks to > > > http://www.metaphorcountry.com/dementia_nights/2009/03/healthcare-reform-notes-i-alzheimers-universal-coverage-longterm-care-1.html
