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When considering the nursing home option for parents or other loved ones, here are a few of the main advantages to keep to mind:

Better resources and equipment: Private homes simply don’t have the types of medical equipment and supplies needed to help seniors stay healthy. Many nursing homes are almost as advanced as hospitals in their ability to provide sophisticated care for patients on a 24-hour basis.

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High-quality long-term care: Due to modern medicine, seniors now live longer than ever. While we’re thankful for this, longer life-spans often come with longer periods of late-life illness and disability. Caring for a senior relative at home is often a long-term commitment of many years, sometimes requiring intensive care.

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On average, the cost of elderly health care is $5,531 annually. Family members not only provide hands-on care but often dig into their own pockets to pay other expenses which include groceries, drugs and medicines, medical equipments such as wheelchairs, toilet seat risers and transportation. Many times family members have to miss work and lose out on their income to take care of elderly family members.

Many family members take loans, skip vacations and often ignore their own health. Government must start providing tax deductions and tax credits to family caregivers.

The expenditures incurred for elderly health care is increasing rapidly and reaching astronomical heights. Elders have many special needs when it comes to health care. One is often left frustrated when there are gaps in insurance coverage. Medicare programs offer only minimal assistance for serious health disorders.

There are some programs that cover senior citizens. It covers hospital expenses and doctor visits, even if you continue to work. All one needs to do is pay a premium every month. These programs are popular among a vast number of senior citizens.

One needs to apply for these programs before one reaches the age of 65. In case you don't then one has to pay a high premium. One also has the option of enrolling for these programs after retirement.

The premium that one pays depends on your income and which company you will be purchasing coverage from. Senior citizens with low income are also eligible for the entire coverage under Medicare.

Prescription drugs which are used to treat a wide variety of diseases and illness are fully covered if one has a private insurance coverage. If you do not have private insurance, this could be matter of serious concern. Sometimes drug prices are simply not affordable, forcing the senior citizens to forgo other needs to pay for drugs.

Recent Medicare legislation has been a big disappointment for senior citizens, as drug coverage continues to be limited and fails to reduce the rising cost of drugs. Many seniors are forced to manage their medical plan on their own.

At times, the drug industry provides free drugs to the needy who are not covered under private insurance or any government program. Retail stores in the vicinity provide drugs at discounted rates. There are various medicine manufacturing companies that offer assistance to lower income senior citizens. One can seek out these discount programs if they have a financial need.

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Elderly Care: Settling Into Your New Home

Many seniors have trouble getting around their homes safely, leaving families with some tough decisions. Whether or not an elderly family member should move into an assisted living facility is often one of the key questions. However, home care is a viable option with many great benefits.

1. Homecare allows seniors to retain a sense of independence and freedom as they age. They can leave their home to go wherever they please whenever suits them best. Similarly, they can eat when they are hungry as opposed to when meals are served to them. Maintaining this sense of dignity is important, as it is something many seniors fear losing.

2. When the elderly live at home they are able to keep their physical possessions close at hand. The things they love do not have to be placed in storage as a result of moving into a smaller space. Many of these objects are tied to priceless memories, so it is understandable that a senior wouldn't want to part with them. Additionally, most retirement homes do not allow pets. At home, seniors can keep any pets they've grown attached to, which has been scientifically proven to reduce stress.

3. Those who live at home often have an easier time staying connected with friends and family. There aren't any visiting hours at home and the number of visitors allowed at any one time is not limited.

4. Living at home should help seniors stay healthier, as they won't be subjected to the all the germs that inevitably linger at a place where many people live. Those who are sick can simply be asked not visit until they are feeling better.

5. Home care allows the elderly to avoid the emotional stress of moving to a new place with new people and a new routine. Maintaining continuity leads to psychological wellbeing.

6. Assisted living facilities are costly and the location may be inconvenient, making it difficult for family members to visit. Many seniors have already paid off their mortgage, so moving to a retirement home is an added expense. With few exceptions, home care is a more fiscally responsible choice.

7. Finally, most seniors who live at home are far happier than they would be if they moved into an assisted living facility. The comforts of home are truly invaluable.

There are now many products and services that make living at home both feasible and affordable. Enhanced security systems, emergency panic buttons, and home delivered meals are just a few of the options to choose from. If your elderly family member wants to live at home, honoring that wish is now easier than ever before.

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