Last year my mother in law celebrated her 90th birthday. To celebrate we traveled to San Diego to be together with her children, grandchildren, and great grandchildren.
When we returned to Michigan she fell breaking her hip.
We learned from the orthopedic surgeon that when osteoporosis begins seriously affecting the bones, femur bones can break easily. So, more accurately then, mom’s femur broke, and then she fell. To say she was in pain is an understatement.
As we will now live through the process of in home convalescent care I now have an opportunity to share my experiences working Medicare’s short term care insurance. As you know, I particularly like to sell senior short-term care products. One selling feature of the short-term home care plans I carry is they’ll step in in situations like my mom’s.
However, my mom hasn’t the plan I offer. She was too old to qualify when I started carrying it. So, we are going to be reliant on what Medicare provides.
What is Our Families Need for Short Term Home Health Care Insurance?
If you’re unfamiliar with convalescing after a major hospital stay, you’ll need to understand a few things. First, after major surgery or medical incident you’ll discover that you can’t do the things that we take for granted every day. Insurance carriers call these tasks the six basic task of daily activity.
The Six Basic Daily Task of Daily Living
For example, toileting. It’s impossible for a person who has had major surgery to safely get on and off a commode or toilet. In the hospital you’ll have the benefit of nursing staff. But when you get home you’re left to your own devices.
Another example is bathing. Just like toileting, getting in and out of a bathtub or shower is a herculean task for some one recovering from a major medical incident like hip surgery or open-heart surgery. Fortunately for us, we removed our bathtub some years ago and installed an easy access shower.
Likewise, there is grooming. Pain from surgery often limits range of motion. Combing hair, shaving, and other simple self-care activities can be excruciatingly difficult during major recoveries.
And finally, the remaining three of the six daily activities are dressing, transferring, and eating. Accordingly, if you can’t do any two of these six, you’re eligible for short-term home health care.
Does Medicare Have Short Term Home Health Care and Do We Qualify?
Knowing that mom didn’t have a private home health care plan like the one I offer, I investigated Medicare’s short term home health care offerings.
What I found raised my eyebrows and caused me to take a closer look at the home health care insurance products on the market. I wanted to know which ones made sense, were good, and if the were better than Medicare’s plan.
That’s a topic I’ll look at in my next post.