Health care finances – Quicken Accounting Solution http://quickenaccountingsolution.com/ Wed, 21 Jul 2021 13:47:21 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://quickenaccountingsolution.com/wp-content/uploads/2021/06/cropped-icon-32x32.png Health care finances – Quicken Accounting Solution http://quickenaccountingsolution.com/ 32 32 How the COVID-19 crucible can help fix the healthcare system https://quickenaccountingsolution.com/how-the-covid-19-crucible-can-help-fix-the-healthcare-system/ https://quickenaccountingsolution.com/how-the-covid-19-crucible-can-help-fix-the-healthcare-system/#respond Wed, 21 Jul 2021 12:00:00 +0000 https://quickenaccountingsolution.com/how-the-covid-19-crucible-can-help-fix-the-healthcare-system/ The COVID-19 pandemic has demonstrated the irreplaceability of doctors and other frontline health professionals. But it also revealed many of the chronic weaknesses and shortcomings of the U.S. healthcare system, and how those shortcomings push the workforce to the brink of collapse. A National Academy of Medicine (NAM) discussion paper, “Clinicians and Professional Societies COVID-19 […]]]>

The COVID-19 pandemic has demonstrated the irreplaceability of doctors and other frontline health professionals. But it also revealed many of the chronic weaknesses and shortcomings of the U.S. healthcare system, and how those shortcomings push the workforce to the brink of collapse.

A National Academy of Medicine (NAM) discussion paper, “Clinicians and Professional Societies COVID-19 Impact Assessment: Lessons Learned and Compelling Needs,” identifies the greatest challenges for physicians and other clinicians during pandemic response and suggests priority actions to revitalize the health system to meet the health needs of the population, promote the well-being of health professionals and prevent future public health emergencies.

While physicians, nurses and other healthcare professionals “have been remarkably adaptive, innovative and resilient during the pandemic, verbal greetings alone are insufficient to address the systemic workforce challenges exacerbated by COVID -19 ”, indicates the NAM document. It was co-authored by James L. Madara, MD, CEO and Executive Vice President of WADA, the organization’s President-elect Jack Resneck, Jr., MD, and Mira Irons, MD, Chief Health Officer and AMA science, as well as with experts from the American Academy of Nursing, the National Black Nurses Association, Harvard, Johns Hopkins and Stanford.

“Tangible, long-term investments in training, operations and funding are needed to build the clinical capacity needed to care for future generations,” the NAM paper continues. “A particular focus on mental health, particularly efforts to reduce burnout and promote the well-being of the workforce, will be needed after the pandemic. “

The report sheds light on the systemic issues plaguing the healthcare industry in these four key areas.

Well-being and distress at work. Some 35% to 45% of clinicians had high levels of burnout before the pandemic, and COVID-19 has added many stressors, such as personal health risks, family separation due to the demands of isolation, the anguish of treating large numbers of critically ill patients, and fighting disinformation in their communities.

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Workforce and operations. Shortage of healthcare workers in intensive care units required both rapid geographic redeployment to COVID-19 hotspots and cross-training of different specialties. The lack of interoperability between data systems and EHRs has undermined admission and discharge decision making, as well as recruitment for clinical trials.

Education and formation. Interruptions in clinical training, research projects and laboratories have disrupted university finances, caused career delays and highlighted the unaffordable nature of medical education. Additionally, systemic racism and unequal access to distance learning has disproportionately affected students of color.

Financial and administrative implications. Visitation delays unrelated to COVID-19 and the cancellation of non-emerging procedures have disrupted revenue streams and threatened the sustainability of physician practices. The stress and workload of the pandemic has also made it more difficult for doctors and other healthcare professionals to comply with administrative requirements, such as reporting quality measures and the onerous prior authorization requirements implemented. by health plans.

The discussion paper also notes five ways that policymakers, regulators, employers, medical schools and professional societies should respond.

Invest in well-being. This includes: rebuilding trust with frontline workers; follow up on the recommendations of the 2019 NAM Clinician Well-Being Report; strengthen protections for healthcare professionals who report safety and ethics violations; train leaders in behaviors that promote well-being, equity and inclusion, and in recognizing distress and disabilities; and remove stigma and barriers to the use of mental health resources.

Advance innovations in clinical practice. The authors’ recommendations focus on data sharing infrastructure, workforce development, and protocol standardization. They also include the assessment of internal review and oversight processes to expedite necessary research efforts and the issuance of evidence-based practice guidelines during crises.

Promote financial resilience. It starts with developing and funding payment models that support high quality team care. It also means leveraging COVID-19 reporting flexibilities to reduce the administrative burdens associated with prior authorization, establishing ways to support patient access and continuity of care during crises, and creating coverage and payment policies that promote the continued availability of telehealth services.

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Transform education and training. In addition to addressing financial barriers to access, training for the health professions should: address factors of inequity in the resources and experiences of learners; expand competency-based education of varying duration; and advancing innovation in simulation for lifelong learning.

Develop policies and programs to address health inequalities. This essentially involves developing fair, equitable and transparent plans for the allocation of resources and access to care, with adjustments for systematically disadvantaged people. It should also include a full investigation of how racism might be at play in decisions or plans, as well as ongoing monitoring of the impacts of decisions and protocols on staff.

“A resilient health system begins with a resilient health workforce, and by addressing the systemic challenges exposed and exacerbated by the pandemic, policy makers can support and revitalize the clinical workforce to meet health needs. and caring for patients and communities across America for COVID -19 and beyond, ”the authors wrote.

The AMA COVID-19 Resource Center offers frequent updates on clinical information, AMA guides and resources, advocacy and medical ethics related to the pandemic.


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California allows low-income residents to get and keep free health coverage https://quickenaccountingsolution.com/california-allows-low-income-residents-to-get-and-keep-free-health-coverage/ https://quickenaccountingsolution.com/california-allows-low-income-residents-to-get-and-keep-free-health-coverage/#respond Tue, 20 Jul 2021 13:45:21 +0000 https://quickenaccountingsolution.com/california-allows-low-income-residents-to-get-and-keep-free-health-coverage/ A provision in California’s newly approved state budget will eliminate asset testing for the 2 million Californians enrolled in both Medi-Cal and Medicare. This article was published on Tuesday, July 20, 2021 in Kaiser Health News. By Rachel Bluth SACRAMENTO, Calif. – Getting clean water cost Ignacio Padilla his health insurance. The WWII veteran had […]]]>

A provision in California’s newly approved state budget will eliminate asset testing for the 2 million Californians enrolled in both Medi-Cal and Medicare.

This article was published on Tuesday, July 20, 2021 in Kaiser Health News.

By Rachel Bluth

SACRAMENTO, Calif. – Getting clean water cost Ignacio Padilla his health insurance.

The WWII veteran had to repay the loan for the water pump installed on his 1 acre property in rural Tulare County, the only source of water for his mobile home. He carefully set aside a few thousand dollars to be able to take advantage of it – only to find that those savings allowed him to exceed the asset threshold to stay on Medi-Cal, California’s Medicaid program for low-income people. . He was excluded from the health insurance program in 2019.

It was not an emergency at the time. Padilla was still covered by Medicare and the Department of Veterans Affairs, and he could lead an independent life, even so far away.

But now Padilla is 95 and suffers from congestive heart failure. His children try to get him to take over Medi-Cal so that he can possibly cover the costs of nursing home care.

His eldest daughter, Emily Ysais, fears that Padilla’s finances – limited as they are – will disqualify him again. He receives $ 1,100 a month from his pension and social security. If Veterans Affairs approves the monthly care allowance she helped her father apply for, it could cause her to exceed Medi-Cal’s “asset test” limit.

“Our hands are tied,” said Ysais, 67. “It’s hard to keep finding a way to take care of him.”

Change is coming, but maybe not soon enough for Padilla. A provision in California’s newly approved state budget will eliminate asset testing for the 2 million Californians enrolled in both Medi-Cal and Medicare, the federal health insurance program for people aged 65 and over and people under 65 with certain disabilities. Instead, their financial eligibility will be based purely on income, as is the case for the millions of other people at Medi-Cal.

Eliminating the test will be a game-changer for aging or disabled Californians who need long-term care but are caught in a common conundrum: They don’t earn enough to cover the high costs of continuing care in nursing homes and cannot not rely on Medicare, which does not cover extended stays in nursing homes. They can get this care through Medi-Cal, but they should wipe out their savings first.

The 2021-2022 state budget agreement includes several provisions that will make it easier to access and maintain Medi-Cal, including the removal of the asset test. All people aged 50 and over will be eligible, regardless of their immigration status. And new mothers will be allowed to stay on Medi-Cal for a year after giving birth, instead of 60 days.

The budget also includes $ 15 million over the next three years, starting this year, to develop online registration forms and translate them into multiple languages, and $ 8 million for counties to help some people. who obtain home care to remain enrolled.

California has a high participation rate for Medi-Cal, with 95% of eligible people enrolled, said Laurel Lucia, director of the healthcare program at the Center for Labor Research and Education at the University of California-Berkeley. But of the remaining uninsured people, about 610,000 are eligible for Medi-Cal, she said.

“We are doing well, but so many people are eligible and not signed up,” Lucia said. “The barriers to Medi-Cal enrollment and retention are really multifaceted, so the solutions must be too. “

It’s a particularly volatile time for the program, which covers 13.6 million Californians. The state is trying to improve the quality of care by renegotiating its contracts with managed care insurance companies. At the same time, Governor Gavin Newsom and the State Department of Health Services are proposing a massive overhaul that would provide more services to the homeless and incarcerated and strengthen mental health care.

Meanwhile, Medi-Cal registrations continue to grow: State officials estimate registrations will increase to 14.5 million in this fiscal year, which began July 1.

The changes to Medi-Cal that were approved in the budget include an expansion that Democratic lawmakers have been pursuing for years: California already allows eligible unauthorized immigrants up to the age of 26 to receive full benefits. Medi-Cal services. Starting next spring, this will extend to people aged 50 and over.

State officials estimate that around 175,000 people will register in the first year, with an additional 3,600 people registering each year thereafter, ultimately costing the state $ 1.3 billion per year. .

And, from next July, new mothers will be able to stay on Medi-Cal for up to a year after giving birth. By 2027, the additional coverage is expected to cost the state around $ 200 million per year.

Republican Assembly leader Marie Waldron (R-Escondido), who has said she supports expanding program eligibility under limited circumstances, was the author of a bill allowing people in prison to register before their release which has finally been included in the budget and will come into force in 2023.

But she said the changes in this year’s budget go too far.

“Expensive government-run health care doesn’t really work, and most voters don’t want to pay for it,” Waldron said. “But California Democrats seem to think everyone will like him once they get there, which is not true. It’s rampant socialism.”

The elimination of the Medi-Cal active test for older Californians and those with certain disabilities, which takes effect on July 1, 2022, marks a radical change in the program. Officials estimate it will cost the state around $ 200 million per year when fully implemented due to increased enrollment.

Currently, these people cannot benefit from Medi-Cal if they have saved more than $ 2,000. For couples, it’s $ 3,000. Complicated rules dictate what counts as an “asset” and what doesn’t: a house doesn’t count and neither does a car, but a second car does. Engagement rings and heirlooms are fine, but other jewelry counts towards the limit.

Ultimately, the test favors individuals and families who can navigate the rules and find ways to hide money in exempt accounts, said Claire Ramsey, senior counsel at Justice in Aging.

“You create administrative barriers, which artificially keeps people out of the program,” Ramsey said. “If it’s hard for lawyers to understand all the rules, what does that mean for the average person who is just trying to get health insurance? “

The federal Affordable Care Act eliminated the asset test for most Medicaid registrants, basing financial eligibility exclusively on income, but left out those who qualify for Medicaid and Medicare.

This is especially important when it comes to expensive long-term care, like nursing homes, which can cost $ 10,000 per month, said Patricia McGinnis, executive director of California Advocates for Nursing Home Reform.

Medicare only covers nursing home care in limited circumstances and up to 100 days. After that, patients have to find another way to pay, either out of pocket or through Medi-Cal. Because many people do not qualify for Medi-Cal if they have too much money or other assets, they must spend their savings and dispose of their possessions before they can participate in the program.

“Thousands and thousands of people have become impoverished to afford nursing home care,” McGinnis said. “Do you want free medical care? You’re going to have to spend every penny you have to get them. “

A state assembly analysis estimated that an additional 17,802 Californians would have become eligible in 2018 had asset testing not been required. Of those, 435 were in long-term care, and during the year, 263 spent their money or donated their assets to qualify for Medi-Cal.

Assembly member Wendy Carrillo (D-Los Angeles), the author of the asset testing bill that went into the budget, sees eliminating the requirement as part of a more broad towards universal coverage, in line with efforts to extend Medi-Cal to older people. unauthorized immigrants or establish a single-payer system.

“We need to work aggressively and proactively on legislation that covers more people,” Carrillo said. “And until we have universal health care, these are the necessary steps to ensure that.”

This story was produced by KHN, which publishes California Healthline, an independent editorial service of the California Healthcare Foundation.

Rachel Bluth: rbluth@kff.org, @RachelHBluth

Kaiser Health News is a national health policy news service that is part of the non-partisan Henry J. Kaiser Family Foundation.



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The MINDS law: integrating mental health services with foreign aid https://quickenaccountingsolution.com/the-minds-law-integrating-mental-health-services-with-foreign-aid/ https://quickenaccountingsolution.com/the-minds-law-integrating-mental-health-services-with-foreign-aid/#respond Tue, 20 Jul 2021 08:30:10 +0000 https://quickenaccountingsolution.com/the-minds-law-integrating-mental-health-services-with-foreign-aid/ CHANHASSEN, Minnesota – Before the pandemic, nearly a billion people worldwide suffered from mental disorders. Uncertain conditions due to the Covid-19 pandemic have only increased cases of depression, anxiety and stress, especially for those with financial difficulties. On June 17, 2021, Senator Bob Casey (D-PA), along with Representative Ted Deutch (D-FL-22) and Representative Joe Wilson […]]]>

CHANHASSEN, Minnesota – Before the pandemic, nearly a billion people worldwide suffered from mental disorders. Uncertain conditions due to the Covid-19 pandemic have only increased cases of depression, anxiety and stress, especially for those with financial difficulties. On June 17, 2021, Senator Bob Casey (D-PA), along with Representative Ted Deutch (D-FL-22) and Representative Joe Wilson (R-SC-2), presented Mental Health in International Development and the Humanitarian Settings Act, or MINDS Act, to integrate psychological health services into overseas aid programs. If passed, the law would support countless people with mental health problems and illnesses.

The link between poverty and mental health

Poverty and mental health interact in what the World Health Organization (WHO) calls a “vicious cycle”. Those living in poverty often do not have the adequate resources to support themselves, to access mental health care, or to obtain an education or a job. These circumstances increase the chances of developing a mental health disorder. On the other hand, mental disorders can prevent individuals from working and can be a cause of discrimination due to the established stigma, increasing the chances of individuals to live in poverty. In addition, according to the National Alliance on Mental Illness, depression and anxiety disorders cost global markets $ 1 trillion each year due to lack of economic productivity.

Tumultuous social, political and economic conditions such as poverty and conflict can have a great mental health impact. The WHO reports that mental disorders are almost twice as likely to affect low-income groups as wealthier people, but more than 75% of people with severe mental illness in low-income countries do not get the help they need. Despite its importance, only 2% of the world’s health budgets are allocated to mental health.

The conditions that facilitate mental well-being are also extremely important for development. According to a study published in the National Center for Biotechnology Information, “Poverty and deprivation are key determinants of children’s social and behavioral development and adult mental health. Unfortunately, two thirds of the children people around the world reside in countries experiencing conflict – instability that could affect mental health in the long run.

COVID-19 and mental health

Over the past year, the COVID-19 pandemic has increased rates of mental health disorders around the world due to unpredictable health and economic conditions. In addition, the increase in cases of mental illness disproportionately affects people living in poverty. Job loss, death of a loved one, isolation, possible exposure to COVID-19, and violence resulting from close contact with abusers have all contributed to an increase in mental health disorders during the pandemic. In addition, the interruption of studies and social interaction were particularly difficult for children and could seriously affect their cognitive and social development.

The pandemic has also limited access to essential services. The risk of infection prevents face-to-face meetings with mental health professionals and entry into long-term institutions. This is particularly difficult for low-income countries which lack sufficient health workers, the technology for remote services and the necessary medical equipment. Additionally, 93% of mental health services were unable to stay active during COVID-19, demonstrating the urgent need for the MINDS law and mental health programs in foreign aid initiatives.

MINDS law

Biparty legislation, introduced by Senator Casey in the Senate and by German representatives and Wilson in the House of Representatives, aims to permanently integrate mental health services into foreign aid programs. If passed, the MINDS law would codify the role of the USAID Coordinator for Mental Health and Psychosocial Support (MHPSS) who would “oversee and support the integration of MHPSS into US overseas aid programs. For those who need psychological support. This programming would be integrated into all USAID offices and would respond to the needs and cultural norms of each community, devoting specific resources to care for children in difficulty.

The MINDS law would also establish an SMSPS working group managed by the USAID coordinator. This group, made up of USAID officials and State Department officials, would monitor the effectiveness, persistence, and quality of the programs. The law also requires USAID to report to Congress on the progress of the bill’s initiatives, including its finances and any obstacles that arise.

Progress of the MINDS law

In a press release on June 17, Senator Casey underscored the urgent need for the programs outlined in the act. “Meeting mental health needs is particularly important as we consider the effects of COVID-19 on communities around the world, especially communities already in conflict,” said Senator Casey. “Investing in the mental health and well-being of children ensures that they continue to thrive into adulthood and can help break cycles of poverty and violence and develop their country’s future potential.” . “

In addition to the Borgen Project, Heartland Alliance International, the American Academy of Pediatrics, the International Rescue Committee, the RISE Institute, Save the Children and UNICEF USA have all praised this revolutionary legislation.

After its introduction in Congress, the law must be published by the House and Senate committees and receive a majority vote in both houses in order for the president to sign the law. The MINDS Act is the first U.S. bill to require mental health services in overseas aid programs and, if passed, would be revolutionary in meeting the global need for psychosocial health care. To help get the bill passed, U.S. citizens can contact their congressional leaders and ask for their support for the MINDS Act.

– Sarah Stolar
Photo: Pixabay

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How to plan and finance elderly care for yourself or your loved ones https://quickenaccountingsolution.com/how-to-plan-and-finance-elderly-care-for-yourself-or-your-loved-ones/ https://quickenaccountingsolution.com/how-to-plan-and-finance-elderly-care-for-yourself-or-your-loved-ones/#respond Mon, 19 Jul 2021 13:22:00 +0000 https://quickenaccountingsolution.com/how-to-plan-and-finance-elderly-care-for-yourself-or-your-loved-ones/ Planning for the future can help tackle stressful situations down the line (Photo: Getty) Whether you are thinking about your own future or that of elderly parents or loved ones, the question of how to finance adequate care for the elderly is an important one – and one that is too often left to the […]]]>
Planning for the future can help tackle stressful situations down the line (Photo: Getty)

Whether you are thinking about your own future or that of elderly parents or loved ones, the question of how to finance adequate care for the elderly is an important one – and one that is too often left to the last minute.

However, experts are clear that the earlier you consider these issues, the better the chances of finding the right kind of help for your family and the less stressful the experience will be.

“It’s always best not to do these things in a hurry,” says Janet Davies, who heads the Symponia Specialty Care Advisory Group.

“Instead, be sure to talk to family members about what they would like and give them different options, if the Covid restrictions allow it.

“Discussions on how to pay for care should also take place as soon as possible. “

It can be difficult to know where to start when approaching this topic. The steps below should help you understand the different options and prepare you for what can be a very stressful time for the whole family.

Put the legalities in place first

One of the hardest things to deal with when a family member suddenly needs care is knowing how to manage their day-to-day finances when they can’t do it on their own. Making sure you have proxies in place well in advance makes it easier.

Sarah Coles, personal finance expert at Hargreaves Lansdown, says it’s important to have both one Lasting Power of Attorney (LPA) for health decisions and one for financial decisions. “If you lose the ability to make your own decisions, an LPA means you can appoint someone you trust to make them for you,” she explains.

“If you don’t have an LPA in place, someone will have to be appointed an assistant instead, which can take a lot longer and cost more, which can cause major problems if they have to pay for care.

“If you have to appoint an alternate, a court will decide the limit of their powers. There is also an annual fee, and the deputy is overseen by the Protection Court, so they usually have to produce an annual report detailing all decisions, as well as income and expenses.

Talking to family members in advance about care plans can help make decisions easier if circumstances suddenly change (Photo: Getty)

Registering your power of attorney can take ten weeks, so it’s best to do it as soon as possible. There is more information on how to do this at gov.uk/pouvoir-d’avocat.

Talk about your family’s wishes

With the legal framework in place, it’s time to have some tough conversations. Talking about the need for care can be difficult, as few people like to think of not being able to live independently.

A conversation about the costs of future care and whether aging parents have particular preferences for a safe house or caregivers coming to their own property can be very helpful at this point as it helps you. to know what to plan. .

“You might find that your mom knows her friend is having a good experience in a certain place and is happy to go, for example,” says Janet Davies of Symponia.

The quality and cost of shelters and home helpers vary widely, so it’s a good idea to do your research ahead of time.

Home care is also often an option, either by using an agency such as Helping Hands or the new Curamcare website, which allows self-insured caregivers to register their services, reducing costs and ensuring that you have dealing with caregivers paid above the minimum wage.

Think about the costs

A recent study by Just Group, a private equity and retirement funding company, shows that most of us are shocked by the cost of care, as well as the lack of financial support from the government.

“If most people’s planning is all about keeping their fingers crossed and hoping it never happens to them, it’s no wonder they end up experiencing a system that they find confusing and confusing. expensive, ”says Steve Lowe, communications director for Just Group.

The average cost of a retirement home in England is £ 681 (Photo: Getty / Tetra images RF)

It is difficult to know in advance how much the treatment will cost. You don’t know how long or at what level your family member will need it. But it’s good to get an idea of ​​what the costs might be – and what help might be available.

According to Which ?, the average cost of a retirement home in 2019-2020 ranged from £ 551 per week in Northern Ireland to £ 858 in Scotland.

The average cost per week in England is £ 681 for an institutional care place and £ 979 for a nursing place.

The main difference is that a nursing home always has a qualified nurse on site to provide medical care, unlike a nursing home. Nursing homes are necessary for older patients with more complex needs.

Discuss payment options

Families have different ideas about how care could be funded. In some cases there may be savings available and families can be confident that they will be able to hold the course with them. Others might consider programs such as the Equity Release, which allows you to withdraw money from an individual’s home to pay for care, or they might consider selling a property.

These are all big steps, and there are potential pitfalls with any plan, so it’s worth talking to a financial advisor who specializes in financing care. Councilors who are members of SOLLA are well placed to understand your specific needs.

There are care annuities and other plans available whereby, for a specific lump sum, you can guarantee that the money goes to the caregiver to fund care for the rest of an adult’s life. While these plans are very beneficial if someone lives long, they are much less beneficial if someone spends little time in care.

Janet Davies, at Symponia, says it’s possible to build in some protection so that if someone dies very soon after purchasing a plan, some of the money goes back to their estate. . And even if you think this type of plan isn’t right for your family, it’s a good idea to get quotes.

“The people who review them are highly skilled actuaries, and the calculations they provide will give you a good idea of ​​the costs of care and how long a person might live in a home,” she says. “It’s much better than trusting your instincts. “

Understand the process

When it comes time to discuss an imminent need for care, your first step is the individual’s local authority.

The authority performs a free, means-tested care assessment and will help you know what care the person needs, what is available and if they are eligible for funding.

Health visitor and elderly man on a home visit.

Your local authority will perform a care assessment to determine what care is needed and available (Photo: Getty)

A care plan will then follow, indicating what is needed and whether help is available from the local authority.

Armed with this, your family will be able to find a suitable shelter or home care for a family member, hopefully with less stress thanks to the advance preparation you put in place.

Check the funding rules

Funding nursing homes is complex, and you may find that your family receives little help from the government.

It is a particularly difficult situation right now as social protection reforms have been delayed by the pandemic and a promised cap on care costs has seen legislation passed but not implemented.

Although this makes planning difficult, there are a few things we do know. If you go to a shelter or need home care, you will have to pay for it yourself, unless you have a limited amount of savings.

In England, the council will cover the full cost of care for those with savings and assets below £ 14,250, while those with more than £ 23,250 should cover all of their own. costs. Between these numbers, the cost is split between the individual and the government.

If you receive home care, the value of your home is not included in these savings and assets, and so is if a spouse or dependent occupies the property.

In some cases, if the need for care is primarily physical and nursing care is required, the NHS will pay for your care under what is known as a ‘continuing care’ package. In practice, this is not often the case with older people in nursing homes, so you cannot assume that your family member will receive this help.

Even if someone is funded for care from the local authority, this may not cover the type of home or care you would like.

In this case, a family may have the option of supplementing the payment from the local authority to ensure that the care received is suitable for you.

Do you have a story to share?

Contact us by sending an email to MetroLifestyleTeam@Metro.co.uk.

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Fairfax PTA leader ousted after wishing death on anti-CRT parents https://quickenaccountingsolution.com/fairfax-pta-leader-ousted-after-wishing-death-on-anti-crt-parents/ https://quickenaccountingsolution.com/fairfax-pta-leader-ousted-after-wishing-death-on-anti-crt-parents/#respond Sat, 17 Jul 2021 17:17:31 +0000 https://quickenaccountingsolution.com/fairfax-pta-leader-ousted-after-wishing-death-on-anti-crt-parents/ An official with the Virginia The parent-teacher association resigned after it was filmed saying that opponents of critical race theory can “die”. “Today, the executive committee of the Virginia PTA requested and received the resignation of Michelle Leete, who held the position of vice-president of training,” read a statement from the association on Saturday. “The […]]]>

An official with the Virginia The parent-teacher association resigned after it was filmed saying that opponents of critical race theory can “die”.

“Today, the executive committee of the Virginia PTA requested and received the resignation of Michelle Leete, who held the position of vice-president of training,” read a statement from the association on Saturday.

“The actions and rhetoric of Ms. Leete and all of the like-minded SB supporters are deeply disappointing. This speaks to a deep lack of concern for children and parents, especially when the welfare of children and families clash with political considerations, “read a tweet accompanying the statement.

The resignation comes after Leete was recorded at a rally Thursday denouncing opponents of critical race theory and saying, “Let them die.”

“LET THEM DIE”: FAIRFAX NAACP, THE LEADER OF THE PTA ATTACKS PEOPLE WHO ARE “ANTI-EQUITY”, “ANTI-SOCIAL JUSTICE”

“Deny this quirky group of people who are anti-education, anti-teacher, anti-fairness, anti-history, anti-racial … anti-opportunity, anti-aid, anti-diversity, [inaudible], anti-science, anti-change agent, anti-social justice, anti-healthcare, anti-worker, anti-LGBTQ +, anti-child, anti-healthcare, anti-worker, anti-environment, anti-change of admission policy, anti-inclusion, anti-live and let live – let them die! “Leete said in a video.

His comment was greeted with a round of applause from the audience gathered at Luther Jackson Middle School at the church of the falls.

“Don’t let these uncomfortable people deter us from our own march forward,” Leete, who is also NAACP vice president for Fairfax County, said of the counter-protesters.

VIRGINIA TEACHER SAYS COLLEAGUES “FEAR” TO OPPOSE CRITICAL BREED THEORY

The Virginia PTA added in its statement that it does not tolerate its language and said the group “upholds the values ​​of respect, collaboration and responsibility.”

NEW YORK MOTHER TAKES UP PROPONENTS OF CRITICAL THEORY OF RACE: “THEY ARE THE RACISTS”

“Although she does not speak in her role with Virginia PTA, we do not endorse the choice of words used at a public event on Thursday, July 15,” the statement said.

The Fairfax NAACP chapter did not immediately respond to Fox News’ request for comment on Leete’s ouster.

The resignation comes as parents across the country have gone viral in videos denouncing critical race theory, including in new York, where a mother told a school board to stop teaching “communist” lessons.

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“My message to this district and to the members of the Council of [Education]: Stop indoctrinating our children! ”Tatiana Ibrahim, a Carmelite mother, said in the June video. “Stop teaching our kids to hate the police!” Stop teaching our kids that if they don’t agree with the LGBT community, they are homophobic! “

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CSB to offer new graduate nursing programs in partnership with SJU – CSB / SJU https://quickenaccountingsolution.com/csb-to-offer-new-graduate-nursing-programs-in-partnership-with-sju-csb-sju/ https://quickenaccountingsolution.com/csb-to-offer-new-graduate-nursing-programs-in-partnership-with-sju-csb-sju/#respond Fri, 16 Jul 2021 18:53:17 +0000 https://quickenaccountingsolution.com/csb-to-offer-new-graduate-nursing-programs-in-partnership-with-sju-csb-sju/ In the fall of 2021, the Collège de Saint-Benoît (CSB), in partnership with the University of Saint John’s (SJU), will welcome the first cohort of students in their new doctoral program in nursing practice. Graduate degrees will be the first to be awarded on the CBS campus and will meet a growing demand for advanced […]]]>

In the fall of 2021, the Collège de Saint-Benoît (CSB), in partnership with the University of Saint John’s (SJU), will welcome the first cohort of students in their new doctoral program in nursing practice. Graduate degrees will be the first to be awarded on the CBS campus and will meet a growing demand for advanced nurse practitioners and nurse leaders in the region.

The program will offer two distinct options:

  • Doctor of Nursing Practice (DNP) – Family Nurse Practitioner (FNP). This track prepares nurses in active practice to care for patients throughout their lives. FNP students will learn how to perform comprehensive health assessments, order appropriate diagnostic tests, acquire advanced procedural skills, manage and diagnose acute and chronic conditions, and serve as a primary health care provider in a variety of settings.
  • Doctor of Nursing Practice – Leadership Track. This track will allow individuals to reach new levels of leadership. They will develop specialized expertise to become an agent of change in the evolving healthcare landscape. Students will also be equipped to pursue roles where they will be responsible for managing nursing staff and serving as a source of knowledge for a team. Options for entry to the post-master’s program and the direct Bachelor of Science in Nursing at DNP are available.

A third option – a master’s degree in nursing – is currently in development for launch in fall 2022.

“We have had great success with our undergraduate program and over the years many of these graduates have expressed interest in a graduate program,” said Jennifer Peterson, Assistant Professor of Nursing (CSB ’98), DNP, APRN, FNP -C, CNOR, who will chair the new graduate program in nursing. “We did three separate market analyzes that looked at the level of interest of potential students and the needs of the community. The family nurse practitioner is the highest ranked.

The United States Bureau of Labor Statistics estimates that the family nurse practitioner is one of the fastest growing professions in the United States, with an expected increase of 28% between 2018-24.

“There is a need for high quality and competent nurse leaders in healthcare,” Peterson said of the Doctor of Nursing Practice – Leadership Track. “There is also currently a shortage of nursing faculty which, along with interest, is the driving force that leads us to create a master’s degree in nursing with an emphasis on three pillars: practice, education and leadership. . “

College representatives also met with clinical partners from various health systems in the region to better understand their needs.

“There was a clear need within the community for this type of program. Our community partners see a significant gap that they are trying to fill with strong, high quality applicants. We expect this trend to continue over the next decade, ”said Peterson.

In addition to performing market analysis, the team also looked at the skills of schools to deliver the programs. The CSB / SJU Department of Nursing is ranked in the top three of Minnesota’s 14 programs by College Factual.

“Our undergraduate program is known for producing exceptional RNs. We plan to build on this solid reputation to develop exceptional graduate nursing programs, ”said Peterson. “This program is a response to the needs of the community and to the demand of our alumni and future students, and it prepares our graduates to improve the future of healthcare.”

“Our students do very well in nursing exams and pass rates, and the accreditation agencies have a high regard for what we do here,” said Richard Ice, Rector of CSB / SJU . “We don’t just train people to be nurses. We educate people to become leaders in health care.

Both programs will be offered in a hybrid format, a combination of classroom and online courses. Designed for working professionals, the format allows students maximum flexibility while connecting with a cohesive cohort of students.

Another unique offering of the program is the option for specialist areas of care. Graduate nursing students have the ability to develop specialized skills beyond the traditional family nurse practitioner track through a specialized clinical course and clinical rotation.

“If a registered nurse wants to graduate as a family nurse practitioner and is currently working in a specialty field, this program accommodates it. We have created a course that allows them to get that extra time in their specialized area of ​​interest. This is something our clinical partners are very excited about, ”said Peterson.

When developing courses for the leadership stream, schools intended to potentially incorporate contributions from the Global Business Leadership department. Peterson said it’s important for nurse leaders to have knowledge of all areas of work in the managerial role, including organizational structure, behavior, finances and budgets.

In addition, the new graduate programs are designed to be flexible according to changing market needs.

“If in 10 years the trend changes from being a family nurse practitioner to another type of advanced practice nurse position, we have created the curriculum so that we can easily modify it to make those changes,” Peterson explained.

Other highlights of the program include:

  • Guaranteed clinical placements;
  • Eligibility to obtain a license and national certification as a family nurse practitioner;
  • Eligibility to become certified as a nurse educator and / or nurse manager;
  • Individual mentoring for the DNP project;
  • Scholarships for higher education assistants available (limited quantity);
  • Reduced tuition fees for CSB / SJU graduates, CentraCare and Veterans Affairs employees;
  • Part-time options may be available.

The response to the program so far has been overwhelmingly positive. Former students and community health workers have shown interest in the programs.

Those interested in the program can visit csbsju.edu/graduate-nursing-programs or contact Assistant Professor of Nursing, Dr. Jennifer Peterson, Graduate Program Chair, at 320-363-5194.

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Financial Focus: How Can You Improve Your Financial Health? https://quickenaccountingsolution.com/financial-focus-how-can-you-improve-your-financial-health/ https://quickenaccountingsolution.com/financial-focus-how-can-you-improve-your-financial-health/#respond Fri, 16 Jul 2021 00:19:00 +0000 https://quickenaccountingsolution.com/financial-focus-how-can-you-improve-your-financial-health/ It is always a good idea to stay in good physical shape at all times of your life. But financial health is also important. Are you doing all you can to improve your financial well-being? The subject of financial health is certainly on the minds of many people. In fact, 70% of Americans say the […]]]>

It is always a good idea to stay in good physical shape at all times of your life. But financial health is also important. Are you doing all you can to improve your financial well-being?

The subject of financial health is certainly on the minds of many people. In fact, 70% of Americans say the COVID-19 pandemic has caused them to pay more attention to their long-term finances, according to a recent Edward Jones / Age Wave poll titled “Four Pillars of the New Retirement: What a Difference a The year made.

While interest in financial health is widespread, some groups feel more positive than others about their future. According to the Four Pillars study, baby boomers went through the pandemic in generally good financial condition, while Gen Z and Millennials felt the greatest negative financial impact. And women’s confidence in their retirement savings remains low as the pandemic has widened the economic gender gap, especially for women of color. So, your outlook may depend somewhat on your demographics.



But regardless of your age or gender, there are some steps you can still take to improve your financial health, including:

Carry out an investment report

A regular check-up is a key part of maintaining good physical health. And the same principle applies to your investments: you should periodically assess their “vital signs”. Is your portfolio still suited to your risk tolerance and time horizon? Does it give you the growth potential you need to help you reach your long-term goals, like a comfortable retirement? Is it sufficiently diversified or do you have too many of the same investments? While diversification cannot guarantee profits or protect against all losses, it can help reduce the impact of financial market volatility on your portfolio.



Take preventive measures

Throughout your life, you likely take medications as needed, and possibly vitamins and other supplements, with the goal of treating existing illnesses or preventing future illnesses. You can and should take preventative measures to improve your financial health as well. For example, do you have enough life and disability insurance? If your marital status has changed as a result of divorce, remarriage or the birth of new children, have you updated the beneficiary designations on your insurance policies? And have you taken steps to protect your financial independence – and perhaps avoid overburdening your family – by dealing with the potentially huge costs of long-term care, like an extended stay in a nursing home?

Avoid unhealthy movements

Smoking, a sedentary lifestyle, and excessive stress are all considered unhealthy for our bodies. But some activities are also unhealthy for our financial health. You might be tempted to dip into your IRA or 401 (k) to pay for a short-term need, like a down payment on a new car, but if it’s not absolutely essential that you buy that car, or if you may possibly obtain other sources of funding, you may want to avoid touching your retirement accounts. On the one hand, withdrawals can result in taxes and penalties, but, just as important, these accounts are meant to provide you with some of the income you will need when you retire. pressure you may experience during retirement.

Staying in good physical shape takes determination and work, and so does maintaining financial health. But the effort you put into staying in good financial health can help you progress toward your financial goals.

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Europe adds travel restrictions due to Delta variant https://quickenaccountingsolution.com/europe-adds-travel-restrictions-due-to-delta-variant/ https://quickenaccountingsolution.com/europe-adds-travel-restrictions-due-to-delta-variant/#respond Thu, 15 Jul 2021 00:24:36 +0000 https://quickenaccountingsolution.com/europe-adds-travel-restrictions-due-to-delta-variant/ Many people avoided travel during the summer of 2020 in an effort to stay safe and conserve funds at a time when the economy was still quite fragile. This summer, more and more Americans are planning to travel, and if your personal finances are in order, you might want to get on a plane and […]]]>

Many people avoided travel during the summer of 2020 in an effort to stay safe and conserve funds at a time when the economy was still quite fragile. This summer, more and more Americans are planning to travel, and if your personal finances are in order, you might want to get on a plane and cross the ocean to Europe.

The good news is that many European countries welcome American tourists. The bad news is that due to the Delta variant of COVID-19, which is now wreaking havoc around the world, some countries are imposing additional restrictions.

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Nightlife can be off the table

According to CNBC, a number of European countries are issuing new guidelines in an attempt to prevent the spread of the Delta variant. In parts of Spain, namely Catalonia and Valencia, new restrictions have been announced, including the closure of most nightclubs. Tourist regions also impose capacity limits on social gatherings.

Meanwhile, in an effort to keep the Delta variant at bay, the Netherlands announced late last week that it would have to reimpose rules on bars and restaurants and shut down nightclubs completely, some just days after their reopening.

On a related note, the Wall Street Journal reports that France and Greece have both announced plans to make coronavirus vaccines mandatory for healthcare workers. And France will only allow people who have been vaccinated to enter bars, restaurants and shopping malls.

Know the rules

If you are hoping to travel to Europe this summer, familiarize yourself with the restrictions imposed by any country you wish to visit. For example, Spain has reopened but only allows Americans who can provide proof of vaccination. (There is an exception for children who are not old enough to be vaccinated, but they will need to show a negative COVID test to be allowed entry.)

Read each country’s rules carefully before making any plans. You may also want to work with a travel agent, who may be more familiar with the latest regulations and requirements.

Budget accordingly

You may end up incurring additional expenses if you travel to Europe this summer, especially if you visit a country that requires you to quarantine for a period of time upon arrival. This is why it is important to establish a detailed budget for your trip. Understanding your costs could help you avoid going into debt.

At the same time, it is beneficial to use a travel rewards credit card when booking your trip. The right card can help you earn additional airline miles and hotel points while providing cost-effective benefits like free checked baggage.

Finally, you may want to consider purchasing travel insurance for your European adventure, even if you book your trip with a travel reward card. Make sure you read the fine print of this policy carefully to see what its COVID-related coverage entails.

If you choose to visit Europe this summer, it might end up being a different experience than you imagined. Understand any restrictions you might face in order to determine whether it’s worth taking a trip now or perhaps waiting for things to improve.

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Britney and the bank; Why banks should be involved in regulatory reform https://quickenaccountingsolution.com/britney-and-the-bank-why-banks-should-be-involved-in-regulatory-reform/ https://quickenaccountingsolution.com/britney-and-the-bank-why-banks-should-be-involved-in-regulatory-reform/#respond Mon, 12 Jul 2021 04:03:43 +0000 https://quickenaccountingsolution.com/britney-and-the-bank-why-banks-should-be-involved-in-regulatory-reform/ The world has watched as details of Britney Spears’ guardianship situation have been released publicly. Many of those who read or watch her case have probably never heard of guardianship or guardianship or are unfamiliar with the intricacies of the inheritance court system that handles decision-making for people who struggle to make decisions. alone. Most […]]]>

The world has watched as details of Britney Spears’ guardianship situation have been released publicly. Many of those who read or watch her case have probably never heard of guardianship or guardianship or are unfamiliar with the intricacies of the inheritance court system that handles decision-making for people who struggle to make decisions. alone.

Most people only encounter these types of decision-making situations when their parents, and later themselves, get older. Although these circumstances can be extremely painful and complicated to deal with, they are, by their nature, generally linear and self-limiting; more often, an older person’s ability to make decisions will decline over time until they die.

But, as Spear’s case revealed, when young people are involved in guardianship or other third party decision-making systems, the situation is even more complex. People with mental disorders that can affect decision making often have to navigate these systems throughout their adult lives and, as we have seen with Spears, the systems are not fully beneficial and can lead to exploitation. , harm and abuse – the very things these systems are meant to prevent.

As a qualitative researcher on the financial issues faced by people with mental health disorders (Annie) and a disabled lawyer who represents people with or perceived to have psychiatric disorders (Kathy), we have worked with many people who have experienced guardianship or, more frequently among people whose only income is from social security disability benefits, who have been assigned a representative beneficiary.

Guardianship includes mechanisms for both assigning decision-making regarding medical and personal matters (custodian of the person) and / or finances (custodian of the estate) to another person. Representative beneficiaries only manage a person’s finances – in particular their disability benefits (Social Security Disability Income – SSDI or Supplemental Security Income – SSI). We will focus here only on financial decision making. We recognize that substitute decision-making about medical treatment can result in care in the form of coercion and control; our systems require additional examination beyond the scope of this article.

Just as much of the narrative around Spears’ situation is deeply polarized, with some arguing that guardianship blatantly disregards the rights of individuals and should be abolished, and others arguing that guardianship is essential to prevent people making disastrous decisions or being exploited, so the options for people who need help making financial decisions are polarized.

Most people with mental health problems are left to make financial decisions entirely on their own. If they need help, their only option is usually to have financial decision-making power taken away entirely. They are assigned a custodian or representative beneficiary, and from that point on, that other person has full control over their finances. There really is no in-between.

Although it is common for family members to step in and try to help, such informal arrangements can cause relationship tensions and can leave people vulnerable to exploitation. In Connecticut, we currently do not have effective systems to accommodate and support what is known as “assisted decision making” in finance. While there is nothing in Connecticut law that would prohibit someone from executing an assisted decision-making agreement, there is also no law that specifically authorizes it, and there is no law that specifically authorizes it. There is no requirement that this be one of the alternatives considered before a probate court authorizes a guardianship.

While huge strides have been made in several states to expand supported decision-making options in general, there is still a long way to go to make it a viable option when it comes to financial decisions.

There is no doubt that some people with mental health problems need help managing their money; indeed, some may encounter such difficulties that it makes sense for another person to take charge of their finances for a while. However, many people who have difficulty managing their money could, with the right support, take responsibility for some aspect of their finances.

Some people have health issues that cause their ability to manage their finances to fluctuate – so they need support which may vary accordingly. Many people on SSDI and SSI who have financial problems face difficulties not primarily because they have a mental illness, but because they are poor. It’s hard for anyone to be financially stable when they just don’t have enough money to get by. Problems such as late payment of rent and bills, or being exploited by predatory lenders, may be more closely linked to poverty than to any diagnosed mental illness.

We need a support system that meets a wide range of needs, including complete removal of control, periodic removal of control, help with some aspects of finance but not others, and support and advice. advice that does not involve or require removal of control.

We must also appeal to the banks. Even though most of us manage our money using an account at a financial institution, banks and credit unions have been strangely absent from conversations about assisted financial decision making. Right now, the banking system makes it very difficult to do anything other than 100% control your own money or let someone else control it completely.

To address this issue, our report, Banking for All, recommends that banks develop tools to provide a framework for supported decision making. These could include a read-only option, to allow a person to allow a third party to view their transactions or receive alerts in the event of certain spending behavior, but not to actually control funds. This option could also be used to allow a person who has ceded financial control to someone else to keep an eye on their funds. Banks and credit unions should also offer tools that make it easier for people to manage their own spending behavior, such as the ability to set themselves limits on the amount of money that can be spent per day. or where the money can be spent. Personalized alerts can also help people keep track of their finances. Banks should also offer accounts that don’t charge overdraft fees, such as those promoted by the BankOn movement. All of these recommendations could be implemented immediately, given existing technology and regulations. Our report also describes possible future innovations that would be useful, such as cooling off periods, double confirmation of transactions, and algorithms to predict and anticipate certain behaviors.

These financial products and tools could have specific benefits for people with mental disorders (and, in our opinion, may also be a requirement for financial institutions to comply with the Americans with Disabilities Act). However, these are not niche products. They could also improve banking services for everyone, especially for low-income people. Much like the sectional sidewalk, which was designed for wheelchair users, but is now an essential part of the pedestrian infrastructure that protects us all, banking services designed to meet the needs of people with mental disorders will be better banking services for all of us.

Annie Harper, PhD is an instructor at the Yale Program for Community Health and Recovery. Kathleen M. Flaherty is Executive Director of Connecticut Legal Rights Project, Inc.

This coin is dedicated to Paul Hammer, a friend and colleague who recently committed suicide, after an extraordinary life of action and activism, especially in the area of ​​financial justice for people with disabilities. He contributed to the Banking for All report and participated with us in a panel discussion on its findings, during which he shared his own personal experiences of having a restaurateur.


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New stimulus benefit Biden offers free health insurance for 6 months https://quickenaccountingsolution.com/new-stimulus-benefit-biden-offers-free-health-insurance-for-6-months/ https://quickenaccountingsolution.com/new-stimulus-benefit-biden-offers-free-health-insurance-for-6-months/#respond Sat, 10 Jul 2021 12:18:54 +0000 https://quickenaccountingsolution.com/new-stimulus-benefit-biden-offers-free-health-insurance-for-6-months/ New stimulus benefit Biden offers free health insurance for 6 months The massive COVID bailout that President Joe Biden signed in March – the same law that included a $ 1,400 raise and the monthly payments for families which start next week – now offers free health insurance to millions of Americans, until the end […]]]>

New stimulus benefit Biden offers free health insurance for 6 months

The massive COVID bailout that President Joe Biden signed in March – the same law that included a $ 1,400 raise and the monthly payments for families which start next week – now offers free health insurance to millions of Americans, until the end of 2021.

The zero-benefit health plans became available on July 1, with no income limit to qualify. But there is a major eligibility condition.

Get free health care to file for unemployment this year

fizkes / Shutterstock

If you have obtained or have been approved for unemployment benefits in 2021, you are entitled to free health coverage for the rest of the year through HealthCare.gov. This is the market established under the Affordable Care Act, also known as Obamacare.

Mid-range “silver” packages (not high-end, but not low-end either) with monthly bonuses of $ 0 were rolled out in early July as part of the program. In comparison, this year’s typical Obamacare premium is $ 452 per month, according to the nonprofit. Kaiser Family Foundation.

The free health plans are provided by private insurers and come with a low or no copayment or deductible.

“We are doing everything we can to remove financial barriers to comprehensive health care,” Chiquita Brooks-LaSure, director of the Centers for Medicare & Medicaid Services, said in a statement. The Brooks-LaSure agency manages HealthCare.gov.

Given that unemployment has remained high this year as the pandemic has continued, the number of Americans who could benefit from free health care is huge. At the moment alone, 3.34 million people are unemployed, the government said on Thursday.

The Biden Pandemic Assistance Bill provided further relief to unemployed Americans, including increased unemployment benefits through early September (though at least half of states are pulling out early) and a tax relief on unemployment benefits which resulted in surprise tax refunds for millions.

How to buy free insurance

CALDWELL, IDAHO - NOVEMBER 4, 2017: healthcare.gov website under the Trump administration

txking / Shutterstock

If you are uninsured and received unemployment benefit at any time this year (even for just one week), you can enter that information on HealthCare.gov, then purchase a free plan from the site and sign up. before August 15th. when the current open enrollment period ends, according to officials in the Biden administration.

The stimulus law says that your income will not be taken into account; normally there are income limits to be eligible for Obamacare coverage. But note that you are usually not eligible if you can get insurance from an employer – your own or your spouse’s – or through Medicare or Medicaid.

Although the free unemployment benefit coverage will end in December, the president’s COVID bailout offers broad, low cost coverage at least until 2022. So you can decide to stay with Obamacare after this year.

HealthCare.gov registrants now pay no more than 8.5% of their income to their health insurance, down from the previous cap of 10%. And, generally speaking, anyone earning more than $ 51,000 now saves an additional $ 1,000 per month, according to the administration.

A survey released in June by the Kaiser Family Foundation found low awareness of Biden’s health insurance discounts. More than 8 in 10 eligible Americans (81%) were unaware or unsure of the help. Only 1 in 10 (9%) had gone online to find the cheapest packages.

If you can’t get free insurance but need help

Desperate couple doing their accounts in the living room.  Serious African American couple discussing paper documents, sitting together on sofa at home, man and woman checking bills

Dragana Gordic / Shutterstock

If you don’t qualify for free coverage and are stuck with high health insurance costs, you can still shop around and find a cheaper health plan. Next, you’ll want to try other money-saving strategies to offset your premiums:

  • Reduce the cost of home ownership. If you’re a homeowner and haven’t refinanced ultra-low interest rates in the past year, you might be missing out. Mortgage data and technology provider Black Knight says more than 14 million homeowners still have the opportunity to save an average of $ 287 per month by refinancing. Also check if you can score a better deal on home insurance.

  • Dominate your debt. Credit cards saved the lives of many Americans during the pandemic, but their high interest can wreak havoc on your finances for years to come. Consolidating your balances into a low interest debt consolidation loan will help you pay off your debts faster and affordable.

  • Be serious about saving. If your budget is stretched to the point of crunching, eliminate all unnecessary expenses. Cancel monthly subscriptions you don’t use and go to the grocery store with a list you stick to. Whenever you shop online, use a free browser add-on that search for better prices and coupons.

  • Invest, because you can afford it. You don’t have to be rich to profit from today’s boom in the stock market. A popular app allows you to invest in a diversified portfolio using nothing more than a “spare currency” day-to-day purchases.

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