How much does hospice cost #good #hotel #deals

#how much does hospice cost

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Hospice care is covered under a number of health insurance plans. It is important to know what services are covered under each plan and what out-of-pocket expenses you will have to pay.

Medicare

Medicare Part A has a generous hospice benefit that covers most hospice services for the terminal illness. For example, if a patient has terminal cancer and suffers a hip fracture, the services below are covered to provide palliative (comfort) care for the cancer but not to treat the hip fracture. The patient would need to use his or her Medicare benefit to cover the care needed for the hip fracture.

The Medicare hospice benefit covers the following:

  • Physician services
  • Nursing care
  • Medical equipment
  • Medical supplies
  • Medication for pain relief and symptom control
  • Short-term care in a hospital
  • Respite care (up to five days at a time)
  • Physical, occupational and speech therapy
  • Home health aide and homemaker services
  • Social work services
  • Dietary counseling
  • Bereavement services

For the covered services listed above, the patient pays the following:

  • Up to $5 for each prescription for out-patient medications or similar products for pain relief and symptom control
  • Five percent of the Medicare payment for in-patient respite care

The following services are not covered under the Medicare Hospice Benefit:

  • Treatment to cure the terminal illness
  • Care from another provider that was not arranged by your hospice
  • Care from another provider that is the same as the care available at your hospice
  • Room and board, if you live in a private residence, assisted living facility, or nursing home. If, however, a patient is admitted to a hospital or nursing home under the in-patient level of care, room and board may be covered.

Note: For more information on the Medicare Hospice Benefit, the publication “Medicare Hospice Benefits” can be downloaded (PDF). You may also call 1-800-633-4227 to order Medicare publications.

Periods of Care
A patient may receive hospice services for as long as the doctor certifies that he or she is terminally ill and that, if the illness runs its normal course, the life expectancy is less than six months. Medicare authorizes hospice care in periods of care. A hospice patient may be certified by the doctor for two 90-day periods, followed by an indefinite number of 60-day periods. The first period of care starts when the patient begins to receive hospice care. At the end of each period, if the patient is still in need of hospice care, the doctor must recertify the patient for another period of care.

Medical Assistance (Medicaid)

The Medical Assistance Program (also called Medicaid) pays for a variety of services for individuals with low income. To be eligible for any service funded by the Medical Assistance Program, an individual must meet the financial requirements.

Forty-seven states, including Maryland, cover hospice care under their Medical Assistance programs. In Maryland, the coverage under Medical Assistance is virtually the same as under Medicare, except that the hospice patient may be certified by the doctor for two 90-day periods, followed by an indefinite number of 30-day periods. Medicare and Medical Assistance pay the hospice directly for services. The hospices are paid a daily rate based on the level of care the patient receives each day.

Other Insurance

Department of Veterans Affairs
In Maryland, the Department of Veterans Affairs has inpatient hospice beds at its Perry Point Facility. The Veterans Administration has a description of this service on their web site, as well as information on VA eligibility, enrollment and benefits.

Long-Term Care Insurance
Most long-term care insurance policies pay for hospice care. The amount of coverage and the eligibility requirements may differ. Consult your policy.

Private Insurance
Most private health insurance plans cover hospice. Private insurers generally use a “fee for service” model, meaning the hospice programs either bill the insurance company for each service rendered, or they bill the patient who must submit the bills to the insurance company. Coverage and payment levels differ. Many insurance plans have a lifetime ceiling for hospice benefits. Be sure to check your policy carefully. Private insurers will not approve payment benefits for all agencies so you may not have a choice of which agency will provide care.

Uninsured Patients
If a patient has no insurance coverage, or if insurance does not cover all costs, the hospice will work with the patient and family to develop a payment plan. Most programs have funds to provide financial assistance for low-income and uninsured patients.

© Copyright 2016 Baltimore County Department of Aging





Renter’s Insurance 101 #renter #insurance, #tenant #insurance, #tenant #insurance #ontario, #how #much


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Home Insurance
Article

Renter’s Insurance 101

According to Statistics Canada, less than half of renters in Canada have renter’s insurance 1 (also known as tenant or contents insurance).

We often think of home insurance as protecting the big stuff—like pipes, appliances, and the physical structure of the home or building. If you are renting, your landlord may have his or her own insurance policy to cover these kinds of items. But their insurance will not cover your personal belongings, such as furniture, jewellery, or entertainment equipment. Your landlord’s insurance will also not protect you if someone is injured on your property.

That’s where renter’s insurance comes in. Renter’s insurance will help you replace these possessions in the event of a loss or damage due to a covered risk. Speak to an Advisor to see how we can tailor your insurance to fit your needs.

Let’s start by understanding the importance of liability insurance.

Accidents happen and sometimes those accidents can be quite costly.

For example, a candle in your apartment could cause a fire. If that candle affects other units, you may be deemed responsible to pay for damages to your rental unit.

Or, if someone trips and falls in your apartment, you could be held financially responsible for the cost of medical expenses and lost wages.

Liability insurance could protect you in the event of a lawsuit, and help you cover the cost of any damages.

Next you need to understand a few basic terms:

  • All-Risk insures your building and contents for losses due to the widest range of perils (or risks), unless specifically excluded from your policy like intentional damage
  • Personal Liability insurance protects you for unintentionally injuring someone or damaging their property and have to pay damages (example: someone has a slip and fall on your walkway, breaks his/her leg and now cannot work for a period of time)
  • Contents Insurance covers your belongings (including when you travel) for losses resulting from the most common types of perils (or risks) up to a specified amount
  • Replacement Cost Coverage means that the contents of your home are insured for the amount it costs to replace them without depreciation
  • Additional Living Expenses Coverage will help you pay for reasonable and necessary expenses (like hotel and food costs) in the situation you are forced to leave your home following an insured peril (or risk) for a period of time

Find the home insurance coverage that best fits your needs

1 Most renters skip home insurance. (2010, January 19). CBC News. Retrieved January 20, 2016, from http://www.cbc.ca/news/canada/ottawa/most-renters-skip-home-insurance-1.911039


Foundation Repair #foundation #repair, #foundation #contractor, #house #leveling, #foundation #repairs, #anchor #bolts,


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Why We re the Best

Experience like no other. Repairing and constructing over 7,000+ foundations. We know homes.

There are a lot of companies offering foundation repair in the Los Angeles area. How do you know which one is best? We believe experience should be the deciding factor. Julian Construction was formed in 1994, and our focus has always been on building foundations, doing repair, replacement, earthquake retrofitting and house leveling. We have inspected over 16,500 foundations .

If you also talk to another foundation contractor, ask how long they have been doing foundation repair. Not how long they have been in business. But how long they have been doing foundation work. There are some contractors in the LA area who have been doing foundation work for a year or less. Would you trust the safety of your home to them?

When the safety of your home and family are at stake, we think you ll want to go with Julian, the company that has been working under homes for nearly 20 years.

Best value. Our affordability comes from the efficiency of expertise and smooth-running crews. All equipment and vehicles are company owned. Julian Construction also offers 0% financing .

100% expert oversight. From start to finish, licensed and expert managers oversee all projects, ensuring perfection, timeliness and safety.


How Much Does Hospice Care Cost? #book #motel

#hospice care costs

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Health Costs How Much Does Hospice Care Cost?

How Much Does Hospice Care Cost?

Hospice care is a special type of health care that is focused on caring for individuals who are terminally ill. The main goal of hospice is to keep the patient as comfortable as possible until the end of their life. This hospice care is given 24 hours a day, with constant supervision of the patient and their needs. Since all hospice care is going to vary, it will come down to the type of care, the medication needed, the diagnosis of the person, geographical location and hospice center taking care of the patient.

How much does it cost?

  • Depending on the type of care that is necessary, the costs of hospice care can widely vary anywhere from $140 to as much as $1,000 per day. A patient that requires little to no supervision and medication can be near the $140 a day mark, while a patient that requires constant attention, medication and equipment maintenance can be close to that $1,000 a day mark. Most hospice care is going to be between the $140 and $300 per day mark.
  • Cancer.about.com states there are different coverage payments for the potential costs of hospice care, and this includes private insurance, Medicare, and Medicaid.
  • For those patients who opt to take Medicare as their choice of payments for their hospice care, most of your hospice care can be covered. To learn about what Medicare is going to cover, Caringinfo.org has answers.

What is going to be included?

  • Most hospice care services will include registered nurses, hospice aides and social workers on site. Hospice will also include short-term care, on-call medical services, counseling, medical equipment and supplies, prescriptions, therapy and all treatments necessary to ensure that the patient is living as comfortable and healthy a life as possible.
  • Hospice care comes in two main forms. You can either hire a hospice service that will send a nurse to your home on a daily basis, or you can put your loved one in a hospice care facility.
  • Hospice care is a treatment system that works with the overall well-being and health of the person or patient. For many people who suffer from diseases and ailments, you have to think of the welfare of the person being cared for. Hospice care will include the social, spiritual, emotional, and physical well-being of the patient. This type of care is available for anyone who needs it. Basic planning of the needs of the patient will have to be assessed to make sure that the patient will have the comfort and care that he or she needs.
  • While hospice care is an excellent option for the patient, it is also very helpful to the family. If you have a loved one that you are no longer able to care for, hospice might be a great option for both of you.

What are the extra costs?

  • If you are hiring a hospice care nurse to stay at your home, you may need to spend some extra money for their food and board. Some providers may require their meals to be housed by the patient’s family.
  • Medications are not generally included in the package for hospice care, and you may need to spend for these medicines.
  • Aside from medication, additional services such as equipment and miscellaneous services may be an additional cost to consider.
  • Outside care from physicians and other medical professionals will be an additional cost.
  • Emergency room visits and ambulance rides are something to consider as well.

Factors that influence the price:

  • Your location is perhaps the biggest factor that affects the pricing of the hospice care. If you are in a city where the costs of living are huge, then you may have to spend higher for the hospice care costs as these are basically proportioned to the economy of the city in which you live.
  • The extent of the care the patient needs is another element that would affect the pricing of the hospice care cost.
  • The condition from which the patient is suffering would be a major aspect that would increase the costs of the hospice care.

Tips to know:

  • It is crucial that you ask around your area for the potential providers for hospice care. There are plenty out there, and you need to make sure you get the best. Do not settle for mediocre providers just because they are cheap. It is always best to consult with at least three at a minimum to make sure that they can provide the patient what they need.
  • Social workers and care managers in the local hospital would have an idea of who are the best providers on the market if you are unsure where to begin.
  • Medicare will not pay past six months of hospice care unless there is a physician visit that deems the condition terminal.

Questions to ask a hospice:

  • Are you recognized by a national accepting body?
  • Are you Medicare certified?
  • Are you licensed by the state? What about the workers?
  • Can you provide references?
  • What are your policies?
  • How much responsibility is given to the average caregiver?

How can I save money?

  • If you really want to save on the funds or budget that you need to spend for the hospice care, then you may have to consider home care from hospital care. This is the best way for your to find an affordable provider who will help care for the well-being of your family member or even for yourself. SEE: How much does home care cost?
  • If you are having a hard time footing the bill because Medicare does not cover all of the necessary expenses, there are many financial programs and grants available for those who qualify.

Average Reported Cost: $0





How Much Does Rehab Cost #how #much #does #alcohol #rehab #cost


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How Much Does Rehab Cost

How Much Does Rehab Cost?

As you’ve probably guessed, the answer is complicated. Rehab costs are determined by location, types of programs offered, amenities and more. But don’t be lulled into paying too much for drug rehab because you think you need to have 5 star hotel quality accommodations.Just because the treatment center is on the beach in Malibu – doesn’t mean you’re getting the best care. You need to pay for the best treatment, not the best view. Just like you would want to pick the best doctors to treat your cancer, you need to apply the same to drug rehab.In addition, many rehabs use the 30 day treatment model that often comes with lower success rates. Lower success rates mean patients relapse and have a need to return to treatment – which now raises the overall cost significantly. Monthly rehab costs can range from 15k a month to 45k depending on the location, types of treatments are offered, and more. If we drop the monthly cost to 10k, assume that the patient will experience relapse after participating in a 30 day program and need to repeat treatment at least 5x, the total cost is $50,000.

The good news is, recovery treatment for drug and alcohol addiction doesn’t have to be that costly and there are treatments that have a higher success rate, which means relapse may not happen.

Call and get the facts about rehab costs: 1-888-614-2251

At Addiction Campuses we offer proven longer treatment cycles that significantly lower relapse, bringing the overall cost of treatment down. Additionally, our treatment plans are specifically tailored to the individual in need which makes our monthly tuition rates some of the most affordable out there.

Our Campus Treatment Plans:

  • Are covered by most insurance policies
  • Have affordable self-pay (no insurance) rates
  • Use payment plans
  • Have drug rehab loans that can be secured at reasonable rates

Learn more about insurance and payment options available from Addiction Campuses.

When you call, our admissions center will have caring professionals who will conduct assessments to determine what program is right for you, or your loved one or your patient/client/employee.

When You Call Be Prepared To Give Information On:

  • Location and personal information
  • Addiction history
  • Mental health issues
  • Insurance coverage (if covered)

This confidential information is critical for our treatment specialists to design a payment plan and treatment program that will fit your needs.

Kinds Of Addiction Treatment Plans

Studies have shown that merely attending a 30 day rehab program is not enough to treat addiction for the long term. It’s important that you understand what types of addiction treatment programs are out there so that you can be sure you’re going to the right one. It is imperative that you attend a program that utilizes all four levels of treatment. While you may not need to be admitted into the more intensive parts of treatment, a center that offers a comprehensive program is one that shows a commitment to your health and well-being and a dedication to your positive outcome.

Levels Of Treatment Include:

  • Medical Detoxification
    Medical Detox is the first step in the recovery process during which the body is cleansed of the toxins leftover by drug abuse. The product of a successful medical detox is that the person, in a more comfortable way, no longer has any medical risks caused by no longer taking the drug or drinking alcohol. This patient is ready to move on to residential treatment.
  • Residential / Inpatient Treatment
    Individuals on the path to recovery must be given the appropriate time, space, and tools needed to focus on themselves and their health. Inpatient care is a highly effective form of addiction treatment because it offers clients a safe, structured, and sober environment, away from everyday distractions and temptations.
  • Outpatient Treatment
    Outpatient care is an extension of an already successful inpatient treatment program. Patients return to their own environments after drug or alcohol treatment, and must voluntarily abstain from drug or alcohol use, which requires a greater amount of diligence and means a higher chance of relapse. Clients are provided with a strong support network of non-using peers and sponsors that provide a new, positive element of social change in an addict’s life and facilitates long-term recovery.
  • Transitional / Sober Living
    After rehab care is an important part of why a patient stays off drugs and alcohol. Transitional living offers patients the chance to practice new life skills in a sober environment. They are monitored by staff and still have random drug testing. Clients also gain privileges back like cell phones, cars and are also required to have a job. This experience is vital to a patient who can experience stress, practices his/her new way of life and can be successful without returning to drugs and alcohol.

When Evaluating Treatment Providers, Look Out For:

  • Unwillingness to work with your financial situation
    Beware of the admissions center who is unwilling to work with your financial situation. A good call center will always be able to point you in the right direction for treatment, no matter what your financial situation is.
  • Reasonable pricing, not just free services
    Free services can mean treatment isn’t a priority. There should be a reasonable cost for an important decision like going to rehab. Don’t just go for a free service because it’s free. Go to the right program for you.
  • Work in exchange for room and board
    It’s important to work. But you need to work on yourself most importantly during treatment. Be careful about programs that require you to work for the organization in exchange for room and board.
  • Certified leadership and counselors
    Be sure that counselors are certified. There are centers who pass off their former patients as counselors. Find out who the leaders are at the organization. What kind of certifications or training do they have in addiction or teaching life skills?

Just Remember… 117 People Die Each Day From Drug Addiction.

You owe it to yourself or your loved one to make the call. Paying for a sound rehab treatment program is not complicated nor does it have to break the bank.

The positive results from attending a good rehab program will be worth the effort in the long run. An individual struggling with addiction cannot begin the recovery process without first obtaining the help they need to overcome addiction.

Invest in the future of yourself or your loved one. We re here to provide straight answers about understanding the costs of rehab and the many payment options available .

24 / 7 Benzo Addiction Support Hotline: 1-888-614-2251

One year ago, my son took a huge step in the right direction as I dropped him off at Addiction Campuses of Tennessee, Spring 2 Life Campus. That decision will change his life and impact our family forever. We are eternally grateful to Addiction Campuses of Tennessee for helping turn our son around and get him started in a new life! We love our new family at ACTN

—- Connie White, Mother of an ACTN Spring 2 Life Campus graduate


Cost of Life Insurance – Consumer Information and Prices Paid #life #insurance,


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Life Insurance Cost

When purchasing life insurance, you first need to determine what kind of insurance you will buy (term life or cash value) and the amount of coverage you need. Term life – which has a certain coverage for a defined term of time without any “cash value” that builds up over time – is the most straightforward kind and is generally substantially less expensive.
If you choose a cash value life insurance policy, it’s especially important to choose a carrier that is financially sound and stable. If you use an insurance aggregator such as Intelliquote, they will display the Standard and Poor’s, Moody’s, and other ratings.
The California Department of Insurance has a helpful Consumer’s Guide to life insurance.

  • Using Intelliquote, we tested several different scenarios for a fit male in California who has never smoked and is seeking a 20 Year, $500,000 term life insurance policy. For a 30 year old, the monthly premium would be $24-$31 a month, for a 40 year old, the monthly premium would be $31-$40 a month, and for a 50 year old, the monthly premium would be $83-$92 a month.
  • Using Intelliquote, we tested several different scenarios for an obese male in Illinois who smokes a pack of cigarettes a day and is seeking a 20 year, $500,000 term life insurance policy. For a 30 year old, the monthly premium would be $95-$177 a month, for a 40 year old, the monthly premium would be $195-$243 a month, and for a 50 year old, the monthly premium would be $471-$541 a month.

Related articles: Disability Insurance. Long Term Care Insurance. Child Health Insurance

Shopping for life insurance:

  • Nation-wide online life insurance aggregators include IntelliQuote [1 ] and ReliaQuote [2 ]. which will provide a quick overview of possible rates.
  • Once you’ve gotten ballpark estimates of what kind of policy you want and what kind of companies you’re interested in, you may want to talk to a life insurance agent to pick a specific policy. Be aware, though, that insurance agents can have financial incentives to encourage to you to pick particular plans.

My dad is now 84 years old. I took over paying their bills 1- years ago and became aware that he was paying (through draft) $68.78 monthly for a term life? policy worth only $19,000.
This doesn’t seem possible. I contacted a Metlife rep several years ago and didn’t get anywhere with him.
My dad was a young man workin for the Middle GA Electrical Membership Corporation. They cut back right-of-way, put up lines, when your lights go out due to a storm, they are the guy who go out in the weather and get things back up and running. But, $68.78 for just $19,000.
He has been disabled since early 70 and has been paying this premium all these years AND many year sprior to that as far as i know.
My mom had an 8th grade education and my dad only a 7th. This seems criminal to me that this has gone on all these years. They didn’t know any better. When I realized this at first, he had already paid in almost as much as it was worth adn I felt we had too much invested to just drop it. He is a veteran released on an honorable discharge, so it is possible he didn’t need this, but who knows at this point.
Can you give me an direction? I had not thougth about talkign to the insurance commissioner or an attorney, but I may.

Was this post helpful to you? yes no


How Much Does It Cost To Drill A Water Well? The Housing


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How Much Does It Cost To Drill A Water Well?

There are numerous reasons why someone may want to drill water wells on their property. The person may want a well to supplement or replace the supply of municipal water. Or perhaps drilling a well is the only way to obtain water on the property. No matter what the reasons are, the person will certainly need to know how much it costs to drill water wells prior to beginning the project.

There are several cost factors to take into consideration. For instance, licenses and special permits may have to be obtained. Equipment or tools may have to be purchased or rented. Most likely, it will be necessary to either hire professional well drillers or at least hire some general laborers to help with the drilling. Then there is the cost of the materials and water tests to consider. Prices for permits, licenses, labor, water testing, and materials differ from one location to the next. The quality of the material and water may also affect the total cost. And the size and type of water system added to the water well will definitely affect the total cost.

Most licensed drillers charge per depth/diameter foot and include the permits and basic materials, such as the well casing, in the estimated cost. The average residential water well ranges between 30-200 feet deep. For residential water wells in the United States, the price ranges from $15-$100 per foot, with a total price range from $3,000-to over $50,000. However, the rest of the water system, such as the electric connections, pump, pipes leading to the home, and storage system are typically not included in the estimate. So it may be necessary to add an additional $800-$2,000 to the amount to the contractor’s quotes or ask that the cost of the complete water system be included. Even the drilling company cannot give an exact price until after the well has been drilled and the water has been tested.

Estimating Total Price

Although the total cost will vary from project to project, there are ways to get an estimated total price. The easiest and best way is to get a few licensed well drillers to provide you with an estimated cost for your specific location and choice of water system. Since they drill wells as a profession, they are also the most qualified people to obtain advice from if you are planning on drilling your own water well.

Most professionals do not mind answering a few questions as to what type of material is suitable to your terrain and environment, as well as what the most recent prices are for labor and materials. They would also most likely have up-to-date information regarding what permits or licenses are required for the location, and the costs of those permits/licenses. Usually, there is no legal obligation to hire a company once you have obtained a consultation, and most companies will provide free estimates. However, some states legally require that a licensed driller be utilized. This is due to the major impact an improperly constructed well can have on the environment. So having several professional contractors give you a quote may save you time in the long run.

The hardest way is to figure out the total cost on your own. This is because you have to have a good idea of how many feet into the ground the well will reach. You will also need to know which permits or licenses are required. And you will have to research which types of materials and drilling is most suitable for the location of the well. You will also need to know the quality of the water in order to properly plan which additional water system to utilize.

It is highly suggested that you read the contract over carefully when hiring a professional drilling company. They are not legally bound to hit water when drilling a well, since no one can guarantee there is an accessible supply of water under your property. You may want to ensure there is a clause for possibly drilling a second well if the first one does not work out. You may also want to ensure it is clear who will obtain and pay for any required permits. Additionally, it is a good idea to clarify who will purchase and install the remainder of the water system. And you should also make sure it is clear who will clean up the mess on the property after the well is finished. Moreover, it is best to ensure the contractor has proper liability insurance to cover any injuries and property damage that may occur during the project.

Author: Penny Vincent

Penny Vincent has been a professional writer for 3 years. She joined TheHousingForum Team in January, 2009. Penny enjoys spending time with family and friends, managing two small, home-based businesses, and sharing her vast knowledge with others. View all posts by Penny Vincent


Medical Assistant Frequently Asked Questions #medical #assistant #faqs, #medical #assistant #program, #frequently


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FAQs About Medical Assistants

Here are several of the most frequently asked questions about Medical Assistant career training at Everest:

Q. How do I prepare for the Certified Medical Assistant test?

A. A variety of national and regional certified medical assistant (CMA)/ Registered Medical Assistant (RMA) test organizations exist, and many require the school to be accredited. At Everest, all of our schools are institutionally accredited while many of our Medical Assistant programs are programmatically accredited by either CAAHEP or ABHES approved. If a graduate wishes to become a CMA or a Registered Medical Assistant (RMA), such as through the American Association of Medical Assistants (AAMA) with CAAHEP or ABHES or American Medical Technologists (AMT), the program must be CAAHEP or ABHES approved accredited in order for the graduate to take the test. Check with your local campus Admission Representative for more information as to which test your school’s program accreditation allows.

Q. How long does the medical assistant program take to complete?

A. The medical assistant program can be completed in under a year. Programs may vary by campus.

Q. What type of career can I expect?

A. Outpatient care centers and doctors’ offices are just a few of the venues where you can pursue entry-level employment. Your own hard work, attitude and experience will also play an important role in future employment opportunities.

Q. How comprehensive is the school’s support system?

A. Very. Everest is there every step of the way in helping students make the adjustment in pursuing a higher education.

Q. Will the school I choose help me find employment?

A. Everest is dedicated to helping you find employment in your field of choice. While employment is never guaranteed, Everest is committed in helping you make the best presentation possible with respect to your interviewing skills and cover letter and resume effectiveness.

Q. Is the school I wish to attend respected by the Industry?

A. Everest is accredited. This means programs and teaching facilities have been approved by the industry professionals who set the rules.

Q. What can I do with a diploma in medical assisting?

A. An Everest medical assistant diploma means you’ve met the training standards that qualify you to pursue entry-level employment in your field.

Q. What is a medical assistant and what exactly does one do?

A. Medical assistants help health care professionals by attending patients and providing front or back end office support. Contact a school representative to find out about additional career possibilities.

Q. How much do medical assistants make?

A. Medical assistant salaries or wages may vary depending on location, experience and work ethic. An Everest representative can be of help in providing more information.

We know you may have a lot more questions, please contact us by calling or filling out our contact form. We will occasionally update this page with more questions and answers as we get more of your questions!

2017 Zenith Education Group, Inc.

For more information about our graduation rates, the median debt of students who completed the program, and other important information, please visit our website at http://www.everest.edu/disclosures .


The Average Homeowner s Deductible #how #much #is #average #home #insurance


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The Average Homeowner s Deductible

Hopefully, you won t ever need your homeowner s insurance policy. If you do, chances are you ll be responsible for paying a portion of the damage. The portion that you pay is called the deductible, and deductibles range from $50 to $2,500 and up. The higher your deductible, the lower the premium for the same policy. How much deductible should you have? That depends on your wallet.

Protect your home from fire damage and natural disasters.

The Average — or Standard — Deductible

There isn t an average deductible, but there are standard deductibles that insurers use as guidelines for average policies. Homeowners and auto insurance, the most common varieties, usually have a $500 deductible. Although some policies may have no or very small deductibles, the premiums are usually very high. They also can be difficult to find. Many consumers elect to have a $1,000 deductible because the premium is lower; they re gambling that they won t have an accident, or that they ll be able to afford repairs totaling less than $1,000.

Hurricanes, Earthquakes, Windstorms and Floods

Special weather events or other natural disasters usually have a separate provision due to their destructive natures. Coastal areas in particular present a high risk of storm damage, and insurers have begun issuing percentage deductibles in the event a storm or natural disaster occurs. Rates range from 1 to 5 percent of the home s insured value.

Percentage deductibles are simple to calculate. If your home is insured for $100,000 and you have a 2 percent hurricane deductible, you are responsible for the first $2,000 worth of damage. You may also have a $500 deductible for events such as fire or theft. However, each insurer s policy is different, and some companies may permit the homeowner to pay a higher premium to get a dollar deductible. Some make percentage deductibles mandatory.

Figuring Your Deductible

The common rule of thumb is to have your deductible match the highest amount you can afford to pay on your own. In other words, if you can t afford more than $250 in repairs to your home, your deductible should equal $250. Consider how much cash and credit you have on hand, and the amount of disposable income you earn on a monthly basis; the more comfortable you are, the higher your deductible can be. However, you should also consider how much risk you re willing to take. If you re risk-averse, your deductible should be lower.

Insurance Savings Tips

Don t be afraid to shop your policy; the same policy may differ by hundreds of dollars. Also, remember that you re insuring the home and its contents, not the land; rebuilding costs less than purchasing the house plus the land. If possible, buy multiple policies from the same insurer, as you ll get a premium discount, and once you ve purchased it, stay with the same insurer. Adding security, safety and updated heating, plumbing and electrical systems reduces your premium as well. Ask for other discounts, like professional or retiree plans. Finally, keep your credit in good shape, as many insurers use this score to predict your risk.


Cost of Mold Remediation – Estimates and Prices Paid #mold #remediation, #mold


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Mold Remediation Cost

Molds are simple organisms (fungi) that grow on almost any organic substance as long as there’s oxygen and moisture. Small amounts of indoor mold are normal, but large quantities can cause odors, health problems [1 ] and, in some cases, structural damage to wood. The Environmental Protection Agency (EPA) offers “A Brief Guide to Mold, Moisture, and Your Home” [2 ] .

  • If the mold is confined to a surface area of no more than 10 square feet (about 3-feet-by-3-feet), the EPA suggests you can remove it yourself [3 ] by scrubbing hard surfaces with detergent and water, then drying.
  • Removing mold from an average house crawlspace [4 ] ranges from $500-$4,000, according to Charter Oak Environmental of Connecticut. Overall, a typical mold remediation project to remove mold from the ducts, crawl spaces, walls and attic of a house runs around $2,000-$6,000. And if the mold has caused widespread structural damage, repair costs can increase the total to as much as $10,000-$30,000 or more.

Related articles: Mold Inspection. Lead Paint Abatement. Asbestos Removal

What should be included:

  • Also called mildew, mold can grow on wood, paper, carpet and food. Although some forms of mold are extremely dangerous or even toxic, most molds are relatively harmless. To reproduce, molds release tiny spores which are often (but not always) airborne. It’s not possible to eliminate all mold and mold spores — the key to controlling mold growth inside your home is controlling moisture. Fix any leaky plumbing or other sources of water, and dry any water-damaged items or areas with 24-48 hours to prevent mold growth. North Carolina State University’s Cooperative Extension Program provides a mildew prevention guide [5 ] .
  • Even when mold is dead, the remains can still cause health problems. Remediation includes killing the mold and removing it. Specialized professional equipment includes air scrubbers, HEPA-filtered air movers, industrial-strength biocides and moisture meters. When mold is disturbed, it sends out reproductive spores — so it’s essential to prevent the spread of mold during the cleanup process. Workers wear respirators, gloves and special protective clothing. The work area should be surrounded by plastic sheeting, and all air vents, doors or other openings covered. A large project or a toxic mold may require a decontamination chamber or airlock for entering or exiting the work area. North Carolina State University provides mold remediation guidelines [6 ] .

Additional costs:

  • Usually mold testing or inspection should be done before the remediation work to determine the extent of the problem, and afterward to be sure the process was successful. Although some remediation companies offer free inspections, many industry experts recommend having the inspections done by a different firm.
  • The presence of mold means there’s a water problem that must be fixed or the mold will return. This could require new plumbing; improving your home’s ventilation or drainage; moving air conditioning units out of the attic; adding a vapor barrier; or repairing or replacing the roof. Costs will depend on the type and extent of the problem.
  • If there is toxic mold or the remediation area is large, it may be necessary to pay for other housing until the work is done.

Discounts:

  • The cost of mold remediation might be tax deductible [7 ] ; check with your tax professional or the IRS [8 ] .

Shopping for mold remediation:

  • Mold spreads easily when disturbed, and an untrained mold remediation contractor can do more harm than good. Check with your state licensing board [9 ] to be sure a contractor is licensed specifically for mold remediation. Request and check references; ask about training, certification and experience; know exactly who in the company will perform any needed work; and be sure the company has general liability insurance. Check for any complaints with the Better Business Bureau [10 ]. A Texas company explains how to select [11 ] a mold remediation contractor.
  • There are a number of organizations offering mold “certification” — some require only a fee or an online course to qualify as a certified expert. Check to be sure that your contractor is certified by a group requiring training, experience and testing. Referrals are available from the American Council for Accredited Certification.

Extent of Damage: Attic space

April 2015 (drop down box does not give 2015 as an option)
I bought a 1600+ sq ft ranch house that needed mold remediation in the attic. My best guess of why the mold was there is perhaps when the previous owner replaced the roof, they forgot to properly ventilate the three bathrooms and they covered the soffit vents with insulation to save money on heating bill. The roof is about 7-10 years old, so I’m guessing this was how long the house had improper ventilation.
The company I hired for mold remediation in my attic used mostly bleach. I didn’t do much research beforehand, but in the documents that I signed, the contractor said they would use Microban, ShockWave, SurfaceShield, and bleach
It is too early to determine the quality of the job they did. If you’re reading this at a later date, please email me if you’d like an update.

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Extent of Damage:

If you have or suspect mold in your house, basement, attic or crawl space; then I strongly suggest hiring a professional to inspect and remediate the problem. Ask for certifications. And not just GL insurance but also Environmental Pollution (EP) insurance. If one doesn’t have EP insurance then any damage from the remediation will not be covered by just their GL. EP covers mold water intrusions and is very expensive to have. trust me Also, the use of bleach is not recommended as it will cause an allergic reaction with some types of molds releasing harmful spores into the air. An antimicrobial solution should be used to remediate the mold. This type of product cost about $25-$35 more a gallon than bleach. That’s why unprofessional contractors have taken jobs away from me because they were cheaper. They also used bleach in which the home owners had no idea of the risk. If your in VA and have ?’s about mold, please feel free to contact me. Hope this helps. D. Nixon 804.437.0870

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Extent of Damage: basement

If you are willing to buy a house with mold or one that has flooded in the past (whether or not the seller allegedly clean it out), the best thing that you can do is to hire an environmental specialist to inspect the damage first (this is not covered in the initial inspection of the home as this is not part of their job description). They will be able inform you how much damage there really is and give you an estimate of how much it will cost to repair the damages. If there is visible damage, there is a definite possibly that the mold spead to the structure of the house as well. If there is no visible damage, there may be damage under the paneling or wall that you can not see. This also has the possiblity of causing structural damage. Weighing the results from the environmental specialist’s views will help you to determine if the house is worth it in the end. If you choose not to use an environmental specialist due to costs, you are better off finding another house because the damages are could be higher than hiring a professional only for an estimate. Especiially seeing that many of them will do the estimate for free.

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Well, I was looking in purcharing this house when I readed on it, it’s SOLD AS IS an I read in the clause that it has mold in the house but I don’t know how bad it is. I really like the house but I’m not to sure should I get the house since I have three small children an my finacee is like really back out the deal cause he thinking about the saftey for my kids. I’m not to sure should I go head an buy it an spend more money on the house or should I keep looking for something else?

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How Much Does Hospice Care Cost? #hospic

#hospice care costs

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Health Costs How Much Does Hospice Care Cost?

How Much Does Hospice Care Cost?

Hospice care is a special type of health care that is focused on caring for individuals who are terminally ill. The main goal of hospice is to keep the patient as comfortable as possible until the end of their life. This hospice care is given 24 hours a day, with constant supervision of the patient and their needs. Since all hospice care is going to vary, it will come down to the type of care, the medication needed, the diagnosis of the person, geographical location and hospice center taking care of the patient.

How much does it cost?

  • Depending on the type of care that is necessary, the costs of hospice care can widely vary anywhere from $140 to as much as $1,000 per day. A patient that requires little to no supervision and medication can be near the $140 a day mark, while a patient that requires constant attention, medication and equipment maintenance can be close to that $1,000 a day mark. Most hospice care is going to be between the $140 and $300 per day mark.
  • Cancer.about.com states there are different coverage payments for the potential costs of hospice care, and this includes private insurance, Medicare, and Medicaid.
  • For those patients who opt to take Medicare as their choice of payments for their hospice care, most of your hospice care can be covered. To learn about what Medicare is going to cover, Caringinfo.org has answers.

What is going to be included?

  • Most hospice care services will include registered nurses, hospice aides and social workers on site. Hospice will also include short-term care, on-call medical services, counseling, medical equipment and supplies, prescriptions, therapy and all treatments necessary to ensure that the patient is living as comfortable and healthy a life as possible.
  • Hospice care comes in two main forms. You can either hire a hospice service that will send a nurse to your home on a daily basis, or you can put your loved one in a hospice care facility.
  • Hospice care is a treatment system that works with the overall well-being and health of the person or patient. For many people who suffer from diseases and ailments, you have to think of the welfare of the person being cared for. Hospice care will include the social, spiritual, emotional, and physical well-being of the patient. This type of care is available for anyone who needs it. Basic planning of the needs of the patient will have to be assessed to make sure that the patient will have the comfort and care that he or she needs.
  • While hospice care is an excellent option for the patient, it is also very helpful to the family. If you have a loved one that you are no longer able to care for, hospice might be a great option for both of you.

What are the extra costs?

  • If you are hiring a hospice care nurse to stay at your home, you may need to spend some extra money for their food and board. Some providers may require their meals to be housed by the patient’s family.
  • Medications are not generally included in the package for hospice care, and you may need to spend for these medicines.
  • Aside from medication, additional services such as equipment and miscellaneous services may be an additional cost to consider.
  • Outside care from physicians and other medical professionals will be an additional cost.
  • Emergency room visits and ambulance rides are something to consider as well.

Factors that influence the price:

  • Your location is perhaps the biggest factor that affects the pricing of the hospice care. If you are in a city where the costs of living are huge, then you may have to spend higher for the hospice care costs as these are basically proportioned to the economy of the city in which you live.
  • The extent of the care the patient needs is another element that would affect the pricing of the hospice care cost.
  • The condition from which the patient is suffering would be a major aspect that would increase the costs of the hospice care.

Tips to know:

  • It is crucial that you ask around your area for the potential providers for hospice care. There are plenty out there, and you need to make sure you get the best. Do not settle for mediocre providers just because they are cheap. It is always best to consult with at least three at a minimum to make sure that they can provide the patient what they need.
  • Social workers and care managers in the local hospital would have an idea of who are the best providers on the market if you are unsure where to begin.
  • Medicare will not pay past six months of hospice care unless there is a physician visit that deems the condition terminal.

Questions to ask a hospice:

  • Are you recognized by a national accepting body?
  • Are you Medicare certified?
  • Are you licensed by the state? What about the workers?
  • Can you provide references?
  • What are your policies?
  • How much responsibility is given to the average caregiver?

How can I save money?

  • If you really want to save on the funds or budget that you need to spend for the hospice care, then you may have to consider home care from hospital care. This is the best way for your to find an affordable provider who will help care for the well-being of your family member or even for yourself. SEE: How much does home care cost?
  • If you are having a hard time footing the bill because Medicare does not cover all of the necessary expenses, there are many financial programs and grants available for those who qualify.

Average Reported Cost: $0





Cost of Chemotherapy – Consumer Information #chemotherapy, #chemotherapy #cost, #chemotherapy #prices, #shop


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Chemotherapy Cost

Chemotherapy is treatment of cancer with one or more drugs that kill cancer cells or interfere with their reproduction. Side effects can include anemia, fatigue, infection, nausea, vomiting, hair loss, pain and memory problems.

  • For patients covered by health insurance, out-of-pocket costs for chemotherapy typically consist of doctor visit, lab and prescription drug copays or coinsurance of 10%-50%, depending on the plan and whether the chemotherapy is in pill form or administered by IV or other method. In general, chemotherapy is covered by health insurance. However, certain chemotherapy drugs might not be covered by some insurance plans. The American Cancer Society has information [1 ] on health insurance and chemotherapy.
  • For patients not covered by health insurance, chemotherapy costs typically include the doctor fee, drug administration fee, drug cost and possibly facility fee, depending on how it is administered. Total cost depends on the type of cancer, the individual case, drug regimen used, method of administration and length of time prescribed or number of treatments required. The total cost is about $10,000-$200,000 or more. For example, to administer chemotherapy to a patient, Saint Elizabeth Regional Medical Center [2 ] in Nebraska charges about $270 for an intramuscular or subcutaneous injection. They charge about $290 for chemotherapy IV push — a quick way of administering a drug through an IV — and $290 for each additional drug. Expect to pay $650, not including doctor fee or drug fee, for one hour of chemotherapy IV infusion, and about an additional $160 for each additional hour of treatment, with the same drug or another drug. They charge about $780 for chemotherapy administration into the central nervous system, including a spinal puncture.
  • The price of chemotherapy drugs varies widely, depending on the drug. For example, according to research [3 ] from the American Society of Clinical Oncology, one course of a drug for chemotherapy for breast cancer can cost about $900-$15,000, depending on the drug(s); and, if growth factor support is added to lessen side effects, that increases costs from more than $4,000 to more than $30,000. According to an article [4 ] in the Journal of the National Cancer Institute, combination chemotherapy regimens typically used for advanced colorectal cancer can range from almost $12,000 to over $30,000 for an eight-week course, depending on the drugs. But new drugs usually cost more: for example, Adcetris [5 ]. a recently approved drug that treats recurrences of some types of lymphoma, can cost more than $120,000 for a course of treatment, and so does Yervoy [6 ]. a new skin cancer drug.
  • Medical care required for serious chemotherapy side effects such as anemia, infections and white blood cell problems can add substantially to the total cost. For example, according to information [7 ] from the American Society of Clinical Oncology, each type of complication cost about $2,000-$4,000 per month in one group of patients studied.

Related articles: Radiation Therapy. Breast Cancer Treatment. Brain Tumor Treatment. Health Insurance

What should be included:

  • Chemotherapy is given in different ways, depending on the drug and the specific case. It can be taken orally, given by IV or injected under the skin, directly into an artery, directly into the tumor or it can be infused into a body cavity around the tumor. The American Cancer Society offers a guide [8 ] to the ways chemotherapy can be administered.
  • A doctor typically chooses chemotherapy drugs based on evidence from clinical trials. The American Cancer Society offers information on the most common chemotherapy drugs and protocols used for: breast cancer [9 ]. colorectal cancer [10 ]. prostate cancer [11 ]. non-small-cell lung cancer [12 ]. melanoma [13 ]. and bladder cancer [14 ] .
  • The American Cancer Society offers an overview [15 ] of the types of chemotherapy drugs and how they work.

Additional costs:

  • Cancer patients will need regular follow-up visits and, in some cases, tests to check for recurrence. According to information [16 ] from the National Cancer Institute, patients generally need to visit a doctor every three to four months for the first two or three years, then every six months to a year. health.costhelper.com/blood-test.html>Blood tests. health.costhelper.com/mri.html>MRIs or CT scans or endoscopy might also be required. Follow-up visits can cost from under $200 to $400 or more.

Discounts:

  • Many hospitals give discounts of up to 30% or more to uninsured/cash-paying patients. For example, Washington Hospital Healthcare System [17 ] in California offers a 35% discount.

Shopping for chemotherapy:

  • The American Society of Clinical Oncology offers an oncologist locator [18 ] with the option to search for a medical oncologist, a doctor who specializes in chemotherapy.

Material on this page is for informational purposes only and should not be construed as medical advice. Always consult your physician or pharmacist regarding medications or medical procedures.


How Much Does Hospice Care Cost? #banff #motels

#hospice care costs

#

Health Costs How Much Does Hospice Care Cost?

How Much Does Hospice Care Cost?

Hospice care is a special type of health care that is focused on caring for individuals who are terminally ill. The main goal of hospice is to keep the patient as comfortable as possible until the end of their life. This hospice care is given 24 hours a day, with constant supervision of the patient and their needs. Since all hospice care is going to vary, it will come down to the type of care, the medication needed, the diagnosis of the person, geographical location and hospice center taking care of the patient.

How much does it cost?

  • Depending on the type of care that is necessary, the costs of hospice care can widely vary anywhere from $140 to as much as $1,000 per day. A patient that requires little to no supervision and medication can be near the $140 a day mark, while a patient that requires constant attention, medication and equipment maintenance can be close to that $1,000 a day mark. Most hospice care is going to be between the $140 and $300 per day mark.
  • Cancer.about.com states there are different coverage payments for the potential costs of hospice care, and this includes private insurance, Medicare, and Medicaid.
  • For those patients who opt to take Medicare as their choice of payments for their hospice care, most of your hospice care can be covered. To learn about what Medicare is going to cover, Caringinfo.org has answers.

What is going to be included?

  • Most hospice care services will include registered nurses, hospice aides and social workers on site. Hospice will also include short-term care, on-call medical services, counseling, medical equipment and supplies, prescriptions, therapy and all treatments necessary to ensure that the patient is living as comfortable and healthy a life as possible.
  • Hospice care comes in two main forms. You can either hire a hospice service that will send a nurse to your home on a daily basis, or you can put your loved one in a hospice care facility.
  • Hospice care is a treatment system that works with the overall well-being and health of the person or patient. For many people who suffer from diseases and ailments, you have to think of the welfare of the person being cared for. Hospice care will include the social, spiritual, emotional, and physical well-being of the patient. This type of care is available for anyone who needs it. Basic planning of the needs of the patient will have to be assessed to make sure that the patient will have the comfort and care that he or she needs.
  • While hospice care is an excellent option for the patient, it is also very helpful to the family. If you have a loved one that you are no longer able to care for, hospice might be a great option for both of you.

What are the extra costs?

  • If you are hiring a hospice care nurse to stay at your home, you may need to spend some extra money for their food and board. Some providers may require their meals to be housed by the patient’s family.
  • Medications are not generally included in the package for hospice care, and you may need to spend for these medicines.
  • Aside from medication, additional services such as equipment and miscellaneous services may be an additional cost to consider.
  • Outside care from physicians and other medical professionals will be an additional cost.
  • Emergency room visits and ambulance rides are something to consider as well.

Factors that influence the price:

  • Your location is perhaps the biggest factor that affects the pricing of the hospice care. If you are in a city where the costs of living are huge, then you may have to spend higher for the hospice care costs as these are basically proportioned to the economy of the city in which you live.
  • The extent of the care the patient needs is another element that would affect the pricing of the hospice care cost.
  • The condition from which the patient is suffering would be a major aspect that would increase the costs of the hospice care.

Tips to know:

  • It is crucial that you ask around your area for the potential providers for hospice care. There are plenty out there, and you need to make sure you get the best. Do not settle for mediocre providers just because they are cheap. It is always best to consult with at least three at a minimum to make sure that they can provide the patient what they need.
  • Social workers and care managers in the local hospital would have an idea of who are the best providers on the market if you are unsure where to begin.
  • Medicare will not pay past six months of hospice care unless there is a physician visit that deems the condition terminal.

Questions to ask a hospice:

  • Are you recognized by a national accepting body?
  • Are you Medicare certified?
  • Are you licensed by the state? What about the workers?
  • Can you provide references?
  • What are your policies?
  • How much responsibility is given to the average caregiver?

How can I save money?

  • If you really want to save on the funds or budget that you need to spend for the hospice care, then you may have to consider home care from hospital care. This is the best way for your to find an affordable provider who will help care for the well-being of your family member or even for yourself. SEE: How much does home care cost?
  • If you are having a hard time footing the bill because Medicare does not cover all of the necessary expenses, there are many financial programs and grants available for those who qualify.

Average Reported Cost: $0