HN Reader

Healthcare in the US is broken and they won’t let you fix it because the money is too good. Think about the fact that PBMs, which is there to save and manage on pharma is incentivized to promote drug price inflation. That’s just one “small” piece of this clusterf*k. It’s layers and layers of these convoluted system of incentives.

As to OP, the simplest solution is to move out of the US early enough or become “poor” enough and be in a wealthy blue state by the time you get to this predicament.

My youngest and I were discussing how removing zoning barriers to ADU (in-law suites) can be a big win for families and small win for housing in general.

In short, build an efficiency apartment on family property for an alone-living relative. Family can better provide support; the relative's residence goes back into the housing supply.

The municipality provides usual construction inspections but doesn't prevent the construction for non-pragmatic reasons.

ref: https://duckduckgo.com/?t=h_&q=zoning+to+allow+ADU%2C+in-law...

I was living with MS for years before being officially diagnosed in 2021. I got annual MRIs, and I did not take any meds due to side effects. I had one flare up in 2021. My legs decided to a break and I was numb from the waist down. I decided to try MS-4. The numbness and Muscle spasms went away after a couple of weeks, but it took almost 3 months to walk properly without a cane. In June, it will be four years without incident, and I am extremely happy that I made the decision to not take any meds and went for the MS-4 formula even though my neurologist got upset and one told me to quit my job because I will be disabled. Well, I am not disabled, I still refuse to take those meds, and I am doing just fine. Believe in yourself and go with your instincts. Doctors don't know it all. I’m surprised a lot of people with MS haven’t heard of the MS-4 protocol, Visit uinehealthcentre. net I hope you find it helpful

There's another interesting twist to this. The insurance company is willing to pay a certain hourly rate to home health care providers. There is a limited number of health care providers willing to work for this rate. Supplementing the rate is not permitted. Lo and behold, it is sometimes not possible to find a health care provider which the insurance will pay for.

The best way to do long-term care for a loved one is to hire the nurses they like at a facility they stay at for a short while to treat the sick person at home. This is vastly cheaper than doing so in a facility, and the nurses earn more and are incentivized to keep the person as healthy as possible because the job pays very well since there is no facility extracting enormous overhead and executive salary costs from their salary.

his notes are EXACTLY my experience. bookmark it.

I wonder if moving his father to an assisted living facility at some point will be a better option. I have little experience with this topic so I am genuinely curious.

For those in the US, In some states like Minnesota, if you have long-term care insurance, assets can be sheltered equal to the amount of the LTC policy. This allows you qualify for Medicare with significant assets beyond the House, Vehicle and traditional qualifying assets. The sheltered assets could be used for legacy or personal needs.

> they each paid about $14,000 in annual premiums for 10 years, and the daily benefit started at $200 per day.

Insurance companies have to make money, but that's not that good of a deal, and the payout isn't that high ($73k annually) considering you won't be doing much else.

From the European POV this is awful and marginally scary. A commenter down the article writes that she is gonna sell her mother's house in order to serve her and even that will not last long.

The way US health care functions is an argument that the nation's principles (all free capitalism and no public intervention) are problematic.

If I were POTUS for a season, I would make a volcanic erruption in the health system. If I needed to care an elder without insurance, I would pay out of pocket a willing friend or even a homeless and not proceed to euthanasia as a commenter suggested.

One thing I don't get, given all the talk that the US healthcare system is like it is "because capitalism" - is why doesn't supply increase given the sky high costs?

You'd think with the insane money the system is gouging out of people, every man and his dog would be trying to get a bite?

Also sounds like buying insurance isn't enough there, you'd have to buy some kind of insurer management service to deal with all the bullshit required to claim

There are three things a nation needs to accept about universal health care:

(1) It’s expensive (2) Everybody has to pay (3) The government’s gotta run it

Delay, deny, defend --- this is the insurance industry's modus operandi.

Insurance is the only industry where customers are the enemy.

You need to get this long before you need it, but also ensure it is good plan that will take care of you. The person in the article is lucky to have kids doing that, if you don't have kids who care who will care for you.

I am 68 I was diagnosed in 2023 neurologist told me I wouldn’t benefit from any meds right now due to age.. My primary care provider introduced me to MS-4 Protocol from uinehealthcentre. Net and i immediately started on their Multiple Sclerosis treatment, this MS-4 treatment has made a tremendous difference for me. My symptoms including muscle weakness, fatigue, mood swings, numbness, double vision and urinary retention all disappeared after the 4 months treatment! It’s a shame my comment might be considered as spam as there’s alot of spam comments on this group.