Tag Archives: patient
Viaticals- A Dark Alternative To Shielding Survivors From Credit Challenges Of Medical Collections & Judgments (Page 1 of 3)
Its just not enough to face the final phase of life with all the finality that goes with it without dealing with medical bills, collections and possible judgements all tied to the a terminally ill patient. A person may have worked all their lives with purpose and grace only to be run over by terminal illness. If there are loved ones attached to this experience all the pain and suffering may really go beyond the funeral with trailing medical bills, collections and even judgements. With accelerating medical costs the tab can be run up fairly quickly. Any savings or even health insurance may not be even close enough to meet the burden. Home equities can be quickly squeezed and exhausted. The terminal patient (this could be someone severely over weight-family history of heart disease as well-etc.) never intended to leave loved ones holding the ultimate financial bag. It just happens. As thoughts of Ralph Edwards the former host of This Is Your Life play out in the brain the mind may race ahead to the final act leaving loved ones to deal with the financial aftermath of this life. The obituary might read He was a great guy/gal, but left his family and loved ones with a ton of unpaid debts. An alternative for a terminally ill patient (or could be medically challenged and not able to work) may be a Viatical. If there is a term life insurance policy or better, such as whole life, universal life, annuity etc., in place or even a paid up policy or one that has monthly payments being made this could quality for the Viatical vehicle.
This then is the ultimate and final use of a handicapper. When life policies are taken out actuaries make a bet when a person is going to die based on their medical history, age, weight, health levels, occupations, smoker, non-smoker, etc. Later on, if the need arises, another handicapper can enter the scene. It is by request only. Viaticals are based on handicapping the rest of a persons life based on the medical and such to determine by guessing when death might arrive. An investor will bid on a discounted basis on the face amount of the policy to give the insured and beneficiaries cash right now. A terminally ill patient may want to get their financial affairs cleaned up before dying so as not to stick love ones with a financial disaster. This comes home to anyone who in addition is dealing with the terminal illness but may be facing foreclosure from their home, cars repossessed, credit that has long since gone down the drain and a whole new layer of stress in the circle of concerned and effected loved ones. What to do, ride it out and let the chips fall where they may, OR make an effort to get it handled now and bring some peace to everyone by taking care of the financial affairs before death. Yes there will be a substantial reduction in the face value of the policy by taking a cash advance now, but it may save a lot of pain for immediate survivors. This is not for everyone. Obviously, if there is no life insurance policy in place for the terminally ill patient, this will not be an option.
Recovery centers that place priority on individual needs
Many recovery centers have treatment plans that are rigid in nature and expected to be followed by all patients. At 12 Palms Recovery Center, the focus is on each patients needs and a treatment plan that they can follow independently of each other.
Recovery centers for alcoholics and addicts have developed treatment plans for patients that preach a program of living life clean and sober. Over the years, many successful methods have helped millions of patients stay clean and sober through these methods. Rehab centers in Ohio have certainly been successful as well, helping addicts learn to live a life that can be happy, productive and fulfilling.
However at many recovery centers, they may have programs that are not conducive to each patients individual needs. For instance, one recovery center may only have a 28 or 30-day program, another recovery center may only gear their recovery treatment plan for specific drugs of choice. At 12 Palms Recovery Center in Jensen Beach, Florida, each patient is given a specific and well-thought out treatment plan that works for their own specific needs.
The 12 Palms Recovery Center is owned, managed and staffed by recovering alcoholics and addicts who understand that each addiction is unique, and they understand that each patient has gotten to the recovery stage through an entirely different pathno one alcoholic or addict traveled the exact same path. By understanding where each patient is coming from and what their specific addiction is, the staff can develop a treatment plan of varying lengths30, 60 or 90 daysthat can help each patient to fully grasp and understand their addiction, and how best to recover from it.
Rehab centers in Ohio have the tools and resources available to help addicts in recovery, but at 12 Palms Recovery Center, each patient is encouraged to actively participate in their own recovery. Each patient starts their day by setting daily goals for themselves, followed by a time of daily devotion and group activities. Each patient is then given time for intense one on one counseling, individual therapy sessions, and each patient is given the chance to go to outside AA and NA meetings and encouraged to find sponsors who will work with them personally as they work through the 12-step program.
Rehab centers in Ohio can teach an addict or alcoholic the basic tools necessary to stay clean and sober, but at 12 Palms Recovery Center, each patient has the opportunity to work through their own individual issues through a variety of different methods chosen specifically for their needs. A patients stay at 12 Palms Recovery Center is dependent entirely on each individuals needs, and not what the program dictates.
Recovery centers that offer only one treatment plan for all patients does not work for every addict. At 12 Palms Recovery Center, individual assessments by the professional staff of counselors who are recovering addicts themselves dictate each patients individual treatment plan. For more information on the services offered by 12 Palms Recovery Center, please call 1(866) 331-6779.