Critical Care Insurance – Is it Right For You?

While it is true that the quirky Aflac duck has brought awareness to consumers about supplemental insurance, many individuals are not clear what it is and if they need to have it. Supplemental insurance, put simply, is insurance that provides additional financial benefits to the policyholder that traditionally fall outside the realm of a typical health insurance policy. Aflac’s “specified health event protection” plan, also packaged by other companies as a “critical care” plan, is an insurance plan that pays the insured for benefits such as hospital and intensive care confinement; major organ transplantation; ambulance costs; waiver of premium benefits and transportation and lodging compensation as needed during the treatment of a critical illness. If the medical facility is within a certain mile radius of a policyholder’s home, often the insurance company will pay a small per mile fee to the policyholder for traveling expenses for extended treatment. Each company’s policy varies so it is important to ask questions and read the brochures thoroughly to see what benefits are actually covered in the plan you are considering.

Anyone that already has a health insurance policy will already have coverage for the medical expenses incurred from a debilitating accident or illness. But the health insurance policy, of course, does not include the various expenses associated with a patient’s long-term care. So, who needs a critical care policy? Let’s take a closer look to see if a critical care policy would be advantageous for you.

First of all, a critical care policy provides a layer of financial protection beyond the conventional health insurance policy much like a savings account protects an individual’s checking account balance. If an individual inadvertently overdraws the checking account, then the bank uses funds from his/her savings account to protect the consumer’s buying power. Likewise, when medical bills are mounting due to a serious medical condition, the insurance company releases funds directly to the consumer rather than to the hospital so that the insured is free to pay incoming medical bills or other expenses related to the medical condition. An insured could actually take the funds released to him/her from the supplemental insurance plan to help pay the mortgage or to buy meals at the hospital. In this way, the supplemental plan bridges the gap between a traditional health insurance policy and actual expenses occurred.

Secondly, unlike a conventional health insurance policy, an individual’s “critical care” policy is guaranteed renewable each year. Therefore, once diagnosed with a condition, such as end-stage renal failure, at policy renewal time, the insurance company guarantees to renew the individual’s policy in spite of the mounting medical bills.

To determine if a critical care insurance policy is right for you, take a personal inventory. Is there a history of chronic health problems, such as heart failure, stroke or cancer? (Please note that some policies do not include cancer as a covered peril. Aflac, for instance, sells a cancer policy separately that provides benefits that are specifically geared toward the medical procedures related to cancer treatment.) A history of chronic illness is a good indicator that critical care insurance may be an excellent option for you.

Next of all, consider your personal finances. Do you have the discipline to set aside money monthly to cover long-term medical care due to critical illness? And do you have an adequate income to prepare for such an event? Costs for a year of nursing home care can range from $50,000 and higher. A part-time aide can cost as much as $10,000 per year. That is a year’s salary for many individuals.

And finally, get at least three quotes before you purchase a policy. Compare the policies to be sure that the premium you will pay covers your greatest medical and financial needs. Don’t forget to factor your age into the equation when deciding if the monthly premiums will eventually pay off to your benefit.

What Critical Care Specialists Do?

Managing fatal injuries or illnesses is the main objective of critical care medicine. There may be various types of organ support systems needed by patients who are critically injured or ill to survive. In the intensive care unit or the ICU various equipments are fastened to the patient’s body.

People who have specialized in Critical care take care of them. There is 24 hour vigilance over the condition of the patient so as to ensure instantaneous intervention if there is any problem in the patient’s condition. There is a monitor attached to almost all patients which measures the breathing and heart rate of the patient. The staffs get alerted if they hear the beep of the monitor.

It does so only when there is a decrease in the normal range in the patient’s body functions. There may be tubes fastened to the patient’s body in the ICU. These may be inserted into their veins to administer the needed medicines into their body. These are required for the patient to recover. There may be tubes inserted into the nose and stomach of the patient too, which in order to prevent throwing out and gets rid of the gases from the stomach.

If the patient finds it hard to breath, mechanical ventilators are used to facilitate breathing by supplying oxygen to the patient’s lungs. Several problems and disorders like acute respiratory distress syndrome are treated by Critical care professionals. Here the lungs stop functioning abruptly. Infection of the lungs or illness may cause this condition.

Placing the patient in Mechanical ventilator would help the patient retrieve breathing. Trauma is also specialization of these doctors and the staff under them. Motor vehicle accidents and other types of incidents cause serious injuries to thousands of people. Intensive care for life support and further surgery are needed to make these patients survive.

People whose condition are critical and near death are treated by critical care specialists. If these doctors are not there to help they might die. Emergency care units in hospitals employ critical care to bring these patients to normal from the fatal conditions they are pushed into by accidents and illnesses. Intensive vigilance, life support, care of people with lethal diseases are done in the critical care area of the medical field.

Critical Care – Answering the Most Sensitive Call to Duty

Many times when a person has been severely injured they will be placed in the critical care unit of a hospital. This unit is designed for those people that are looking at a fatal condition or illness. These people require constant care around the clock.

The people who work in a critical care unit are considered to be the “angels” of the medical world. The people, who have devoted their lives to taking care of these ultra-sensitive patients, have made a commitment to providing care to those that are in a critical care situation.

Many of the patients consist of either people that are facing a terminal illness or have had some sort of trauma that requires special attention be given to their medical issues. These patients are often times given a low chance at recovery, but the nurses that work this unit see things in a different way, they see each patient as a chance at survival and renewal of life.

Beyond the care that they provide the patients, there is the human side that is often times shown to the family of these patients. Many times the families feel like there is no one there for them when they need someone. The nurses that work a critical care unit have a way of listening to a person and letting them know they are not alone in this issue.

This reassurance can often times be comforting to a person when they need it the most. It is the job of these nurses to be there both for the patient and the family. There have been a lot of changes that have come to the critical care unit since the early days in the 1920’s.

Today many critically injured patients are given a better chance at survival given the advancements that have been made in the world of medicine. There was a time when a person that was admitted to one of these units was not expected to recover.

There is a lot more of training that one of these nurses will need to go through. The reason behind this is due to the fact that a nurse in the critical care unit has to be in a position to provide extra care than what a standard nurse is used to. There is a longer training and certification period that is required for these nurses.

These nurses are also a vital part of an emergency room. They are often times the first ones that come across a trauma case in the ER. These nurses and staffers have a special ability, due to their work in critical care, to address the unique challenges of the ER and its patients.

As long as there are critical care patients, there will be a need for trained people to work these units. There will continue to be advancements in medicine that will help in the recovery process. This will lead to a person being able to recover from these life threatening situations and as a result will allow them to leave the hospital after making a full recovery.