Respiratory Help Is ready For Seniors With Copd

Aarp Health Insurance Plans - Respiratory Help Is ready For Seniors With Copd

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As Hmos Continue to Drop Coverage for Seniors - Now Over 500,000 Victims - Those Needing costly Respiratory Medication, reserve and Homecare Services are the Hardest Hit

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Aarp Health Insurance Plans

One sick person Advocate, Geriatric Services of America, is Providing Relief to Victimized Patients straight through a Unique, Often No-Cost Program

More than 536,000 Us senior citizens are scrambling to find new doctors or new coverage because their health plans done their Medicare managed-care services, agreeing to a Nonrenewal narrative issued by the Centers for Medicare & Medicaid Services for the year 2002. Among the hardest hit are seniors in California (84,000), Florida (59,000), Pennsylvania (55,000), New Jersey (53,000), Texas (46,000), and Michigan (31,000), who will be losing coverage in the arrival year. Even those with chronic coverage face mammoth premium hikes and dwindling drug benefits. Particularly hard hit will be those with chronic illnesses such as respiratory disease, who will bear the brunt of high medication and healthcare costs.

Though all seniors 65 and older are covered by Medicare, those enrolled in managed-care programs agree to see doctors within a slight network and receive supplementary benefits, such as deterrent care and prescription-drug coverage. The current coverage crisis stems from rising delivery costs and slight government reimbursement, as doctors and hospitals increasingly balk at looking Medicare Hmo patients, since they aren't sufficiently reimbursed for their services. Without sufficient doctors and hospitals providing care, an Hmo can't serve its members. The question is worst in large urban markets, where more than half of Medicare + option beneficiaries live nationwide but where reimbursement rate increases have trailed rising costs since 1997.

To compensate for the funding shortfall, premiums for seniors retaining Medicare Hmo coverage are foreseen, to spike while benefits dwindle in the arrival year. In California's Sacramento-area, for example, monthly premiums for Kaiser Permanente's Senior advantage Medicare Plan will duplicate from to beginning Jan. 1st. Healthnet, following suit, is raising premiums 50 percent, from to per month for its Seniority Plus members in the area. Pacificare and Western health Advantage, while retention monthly premiums at in their Sacramento-area Medicare plans, will eliminate brand name drug coverage next year.

Across the nation, seniors caught in the middle of rising premiums and shrinking coverage will find themselves in a similar bind. Even those with Medigap policies will feel the squeeze. Medigap policies A straight through J, for instance, have minimum acceptable advantage packages, and the H, I, and J plans outside prescriptions have yearly drug caps ranging from ,250 to ,000.

For the 30 million Americans with a chronic Obstruction Pulmonary Disease (Copd) such as asthma, emphysema or cystic fibrosis - collectively the fourth foremost cause of death in the Us, however, help is available with Geriatric Services of America (Gsa), a national community aid club based in Tempe, Arizona which provides direct help and reserve to older Americans suffering from chronic respiratory disease. straight through its Respiratory Disease control Program, Gsa provides passage to a allembracing range of special medication benefits, as well as reserve and homecare services, which eliminates out-of-pocket expenses for patients with former or supplemental guarnatee coverage.

Through Gsa's sick person reserve center, nebulizers and respiratory medication are provided and paid for with free home delivery, comfortably packaged and ready to use. Gsa handles all paperwork, and clinical sick person Care Coordinators work with doctors and guarnatee associates once a sick person has enrolled in the Respiratory Disease control Program. Patients can enroll themselves in the program; there is nothing to buy, and no enrollment or membership fees.

Currently, Medicare, Aarp, Blue Cross, Blue Shield, and over 180 other insurers have special benefits for patients with respiratory disease. Gsa provides passage to these benefits, and coordinates all elements of care to help patients, doctors, and guarnatee associates combat respiratory disease.

At a time when Us seniors face restricted health care access, rising premiums, and shrinking benefits, Gsa stands out as a welcome ally for those needing respiratory medication benefits, support, or homecare services. For more facts about Gsa, or how someone you know can enroll in this special wellcare program, write to 4812 South Mill Ave., Tempe, Az 85282; call 800-307-8048; fax 800-345-2425; or email Gary Rheault directly at grheault@geriatricservices.com.

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