Planning for Health Care
No one really plans to get sick or experience a health-related family crisis. Long term planning can help ensure that you and your family have the resources needed to cover costs and other needs related to health-related care. If you plan for financing long term care, you will also have more options about the type of care you and your loved ones receive. A good first step is to write down your wishes for your health-related care in a health care directive.
If you suddenly find yourself in a caretaker role for someone you love, you most likely will be faced with lots of questions and tasks that need to be accomplished. It helps to have access to additional resources, tools, and insight from other families going through the same situation.
The following resources will help you better manage medical debt through long term planning, create a health care directive, and more.
Health Insurance Definitions — Consumers need to understand insurance terms to be smarter about their health insurance dollars. Transcript and audio (2:06)
Considerations in Choosing a Health Insurance Plan — Comparison shopping can save you dollars; this is even more important in looking at the various health insurance plans to choose from. Transcript and audio (1:58)
Financing Long Term Care: A Resource Center for Families — Information, tools, and more to help you start planning for long term care.
Critical Conversations About Financing Long Term Care Online Course — Free online course to help you identify and communicate strategies to manage the risk of long term care.
Critical Conversations About Financing Long Term Care Workshop — Arrange for us to come and teach on this important topic. Excellent resource for employee groups, community organizations, and more.
Across Generations: The MN Health Care Directive — Who Needs One? — An introduction to health care directives, and an important tool to can help you plan ahead for health care decisions.
The Minnesota Health Care Directive — Planning tool to help you get the best end of life care.
Minnesota Health Care Directive — One step for planning ahead though is to complete a health care directive, sometimes labeled a living will or durable power of attorney for health care. Transcript and audio (1:57)
Health Care Directives Workshop — Arrange for us to come and teach on this important topic. Excellent resource for employee groups, community organizations, and more.
HIPAA and Health Care Privacy — The Health Insurance Portability and Accountability Act of 1996 guides health care providers in determining who they can share your information with. Transcript and audio (1:46)
Caregiving Crisis Financial Management Basics — Often one of the tasks family caregivers suddenly face is managing a family elders' finances, if there is an accident or illness. It adds additional anxiety to an already emotional time. Transcript and audio (1:47)
Affordable Health Care Act and COBRA — If you are on COBRA, find out how the Affordable Health Care Act will help you. Transcript and audio (1:57)
Dollar Value of Caregivers — Unpaid caregivers provide by far the majority of long-term services and supports received by persons with disabilities of all ages. Transcript and audio (1:59)
Supporting Caregivers — Family caregiving often starts with running errands managing legal and financial affairs, but it can escalate into more complex and intimate tasks if the health of the person needing care declines. Transcript and audio (1:54)
Dealing with Medical Debt — Helpful advice about dealing with medical debt. Transcript and audio (1:36)
Other Recommended Resources
Across Generations: Dealing with Life Transitions — Advice on how to evaluate, set goals, and share your plans with others.
Are Consumers Vulnerable to Low-Knowledge of Long Term Care? — Journal article that reviews consumers' knowledge of long-term care. Written by Amanda E. Matzek and UMN Extension Specialist, Marlene S. Stum; featured in Family & Consumer Sciences Research Journal.
National Institute on Aging — National Institute of Health — This organization leads a broad scientific effort to understand the nature of aging and extend the healthy, active years of life.
End of Life: Helping with Comfort and Care — National Institute on Aging — Online guide that discusses key issues that occur at the end of life.
American Society on Aging — Develops leadership, knowledge, and skills to address the challenges and opportunities of adverse aging society.
Gerontological Society of America — Promotes and shares research on aging as well as supports aging education and training.
Use Your Home to Stay at Home — National Council on Aging — This is the official reverse mortgage consumer booklet approved by the U.S. Department of Housing & Urban Development.
Consumer Resources — The National Center for Assisted Living — Get guides for selecting or moving into an assisted living residence.Assisted Living Studies — The National Center for Assisted Living — Find studies on assisted living and residential care facilities, including costs, Medicaid reimbursement, and more.
Caregiving Resource Center — AARP — Provides information, tips, and tools to caregivers.
Caregiver Information from Medicare — United States Department of Health and Human Services — Get detailed information on Medicare, care options, support for caregivers, and more.
Financing Long Term Care: Insurance & It’s Alternatives — Utah State University Cooperative Extension — Reviews long term care options, costs, insurance, and other resources.
Hiring and Working Successfully With In-Home Care Providers — Pacific Northwest Extension — Comprehensive guide to learn about in-home care services, how to develop a profile of care needs, how to screen and find the right person, and more.
National Association of Professional Geriatric Care Managers (NAPGCM) — Helps connect families with an experienced and trained care manager.
LongTermCare.gov — United States Department of Health and Human Services — Online resource center reviews the basics, different plan options, how you decide, and more.
Administration on Aging — United States Department of Health and Human Services — Find local programs, check for benefits, find online resources, and more.
Guide to Long Term Care Insurance — America’s Health Insurance Plans — Online resources like a Guide to Long-Term Care Insurance, and articles on who buys long-term care insurance.
The Issues — America's Health Insurance Plans — Offers background and resources on current health insurance-related issues, like the Affordable Care Act, rising health care costs, health care quality, and more.
State of the States Survey 2011: State Aging and Disability Agencies in Times of Change — National Association of States United for Aging and Disabilities — Comprehensive report updates the 2009 survey, and includes state-by-state information on programs offered, funding, staffing, and more.