Best Health Insurance For Parkinson’s Patients

Cheaper Life Insurance For Parkinsons Disease

It is also possible to reduce your life insurance premiums for someone with Parkinsons disease by following several simple steps.

Some of the best ways to reduce your premiums are:

• Speak to an expert: a specialist insurance company will be able to get you the best quotes based on your health
• Underwriters: you can also reduce the premiums that you pay with a properly underwritten application
• Smoking: if you are currently a smoker, then you can significantly reduce your premiums 12 months after quitting smoking

Exclusions Of A Critical Illness Insurance Plan

Critical Illness Insurance cannot be claimed in the following instances.

• Pre-existing conditions are usually not covered. Pre-existing conditions refer to health conditions incurred prior to the purchase of the plan.

• Claims raised during the waiting period. Waiting period is usually the duration before the commencement of a plan’s coverage for certain situations. It spans around 90 days.

• As previously mentioned, claims made during the survival period will not be covered.

• Procedures that are not carried out by a medical professional.

• Congenital conditions are not covered. Congenital conditions usually refer to diseases or disorders that an individual is born with.

• Complications arising from birth control procedures or hormone replacement therapy.

• Illness arising from unauthorised self-medication.

• Health complications that may result from receiving alternative medical treatments like ayurveda, homoeopathy, acupuncture, etc.

• Sexually transmitted diseases like Human Immune deficiency Virus .

• Illness arising from indulging in substance abuse.

• Injuries and medical conditions that result from indulging in adventure sports like skydiving, bungee jumping, hunting, etc.

• Illness that may result from not following the medical advice of a doctor.

• Medical conditions that may come about while indulging in illegal activities.

• Illnesses that may result from being exposed to radioactive materials.

How To Locate The Best Carrier

Fortunately, you have landed on this page. We are experts at finding the right companies for the right situation. An independent agent offers you the best opportunity to find a company that specializes in underwriting Parkinsons disease. By representing hundreds of insurance companies the independent agent can shop your coverage with those that offer you the best chance for coverage.

But, your agent should be experienced and work with special risk companies. There are over 1,000 life insurance companies in the United States, but only a handful actually have the expertise in underwriting special risks. Dont waste your time with the large property and casualty companies or with the companies that advertise the most. These are not the companies that specialize in this particular niche.

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What Is The Application Process Like

Traditional life insurance coverage requires a medical examination as part of the application process. The exam will look at both your parkinsonism and your overall health.

The purpose is to gauge how much of a risk you are to the life insurance company. They want to ensure your condition doesnt significantly lower your life expectancy before offering coverage.

Its the underwriters job to review this information to come up with your life insurance rating.

A few of the top factors they take into consideration include:

There are a lot of factors that are out of your hands when it comes to your chances of receiving traditional life insurance coverage with parkinsonism. Yet something as simple as changing your lifestyle is a step in the right direction.

Work hard to maintain your daily activities, exercise on a regular basis, and make your home a safer place to live for someone with a movement disorder.

Insurance companies place great value on those working to maintain and improve their medical conditions.

Legal Considerations With Parkinsons Disease

In addition to addressing financial needs, it is also important to address legal concerns. Similar to financial planning, starting the legal planning process early allows the individual with Parkinson’s disease to be involved and express their wishes for future care and decisions. This reduces the need for guesswork by families and allows for the person with Parkinson’s disease to designate future decision makers on their behalf.

Early Parkinsons disease planning also provides time to work through the complexities of legal issues that are involved in long-term care. Legal planning should include:

• Making plans for both health care and long-term care
• Making plans for finances and property
• Designating a person to make decisions on behalf of the individual with Parkinson’s disease

To prepare most legal documents, an individual must have the legal capacity to do so. Legal capacity means that an individual is capable of having legal documents prepared and making decisions about what to include in these documents.

A lawyer will be able to help an individual and their family determine if a person has the legal capacity to participate in the preparation of legal documents. For this reason, it is important that a person and their family begin preparing any legal documents they wish to have as soon as possible while the individual can still participate in this process.

Some common legal documents to consider preparing include:

• Power of attorney
• Guardianship/conservatorship

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Medicare And Prescription Drugs

Those choosing Original Medicare, Parts A and B, will need to add prescription drug coverage by enrolling in either a Part D plan or a Medigap plan that includes drug coverage. An alternative to Original Medicare would be to select a Medicare Advantage, Part C, plan, which can provide prescription drug coverage in addition to hospitalization and medical coverage.

Most Medicare Advantage plans include prescription drug coverage, but you should review the plan you select to determine whether you would need to enroll in Part D coverage.

Best Adjustable Beds Of 2021

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Medically Reviewed by

Jenny Iyo

The term adjustable bed refers to any mattress base that can be adjusted for the upper and/or lower body. The beds were first used in hospitals to make patients more comfortable, and have since been introduced as a mainstream product. Modern adjustable beds offer additional perks for owners. Many of these models can be set for zero-gravity, a position that places the legs higher than the head which can be helpful for people with lower back pain.

Other advanced features may include massage functions, timed adjustments, vibrating alarms, and USB ports. Price-points vary by size and model, but most adjustable beds cost between $1,000 and $3,000. Our team used rigorous testing methods to determine which adjustable beds are worth purchasing and why. Our top pick selections offer comprehensive information on each models specifications as well as why we think theyre noteworthy.

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How Much Is Parkinsons Disease Life Insurance

Your premiums will always be based on some standard elements that determine the cost of cover, such as:

• How much cover do you need
• How long are you taking the cover for
• Are you a smoker

When you disclose that youve been diagnosed with Parkinsons disease then youll also be asked questions about your condition. This will help insurers to determine how severe your symptoms are and provide you with a suitable premium.

Does Income Protection Payout For Parkinsons Disease

Yes if youre unable to work for over 4 weeks due to symptoms of Parkinsons disease then your income should be covered.

This type of policy is designed to replace your income for a period of up to 12 or 24 months if you are signed-off work due to sickness or injury. Most policies will pay up to 60 to 80% of your gross monthly income.

You can claim for symptoms of Parkinsons disease while you are unable to work and you should also get support to help you return to work.

Any existing income protection policy should cover you for Parkinsons disease if you are diagnosed after the date of acceptance.

More information about Income Protection

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Will Medicare Pay For In

Medicare usually does not provide non-medical home services such as cooking or cleaning or personal care like bathing and dressing. Medicare generally will only cover in-home health care services if your Medicare doctor recommends intermittent skilled care in a face-to-face meeting with you.

You must be homebound and unable to leave your home without special equipment. You must also receive care from a home health agency that is certified by Medicare.

If you meet these qualifications, then Medicare may cover limited home health care services as well as in-home physical therapy, durable medical equipment and medical supplies provided by the home health agency.

Danielle Kunkle Roberts is a member of the Forbes Finance Council and is the co-owner ofBoomer Benefits, where her team assists Medicare beneficiaries with their supplemental benefit options in 47 states.

What Is The Role Of Psychological Counseling

Apart from the above-mentioned treatment, psychological counseling plays an important role in treating depression in elderly Parkinson patients as 90 % of the time, elderly Parkinson patients go through depression due to loneliness.

• Cognitive Behavioral Therapy: This therapy is used by psychologists to reverse negative thoughts and bring behavioral changes to the lifestyle of these patients. Talking to a counselor regularly will help them express their feelings and feel relieved. Counselors also advise them to do some physical activities and make a few lifestyle changes to eliminate depression and anxiety.

According to the patient, the psychologist advises them to do activities of their interest, like gardening, painting, writing, singing, jogging, cooking, etc., to keep them occupied and happy. Most importantly, the patient should be associated with a good social help group, and their family members should be given counseling about their condition and care to be taken.

Query:Hi doctor,I am writing this is for my father. He is 74 years old. Now, he was diagnosed to have Parkinsons disease. The doctor just examined and said that this is Parkinson’s. Is it possible to identify without going for any tests? Will Parkinson lead to death? Is coffee better for Parkinsons… Read Full »

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What Do Parkinson And Depression Cause In The Elderly

• It causes emotional disturbances and extreme mood swings, affects mental health, harms the quality of life, affects both cognitive and motor function of the patient, and results in other psychiatric comorbidities in patients with Parkinson disease. Studies show that patients with major depression have suicidal tendencies.

• The diagnosis of Parkinson disease is primarily made by movement abnormalities like rigidity, tremors, bradykinesia, etc. However, the treatment of this disease focuses on the non-motor findings too. This is because, throughout the disease, patients experience other symptoms apart from functional motor disability. They start developing neuropsychiatric disturbances, which may include depression, anxiety, psychosis, and insomnia.

• Parkinson disease is seen mostly in older age group patients. These patients are already going through their toughest phase of life, old age and to go through this disease is not very easy for them. So many of them go into depression which makes it more difficult to treat them. These psychological aspects of the disease are more distressing than the motor aspects.

Critical Illness Insurance For Parkinsons Disease

Parkinson’s disease is a progressive nervous system disorder that affects movement. Parkinsons disease is the second most commonly occurring neurodegenerative disorder, which affects dopamine-producing neurons in a specific area of the brain called Substantia Nigra. In simple terms, it affects the nerve cells in the brain that produce Dopamine releases by the nerve cells to send signals to other nerve cells).This disease can occur with no cause ever, ie. Idiopathic. Parkinsons disease shows symptoms such as muscle rigidity, tremors, and changes in speech as well as gait and many more. Post diagnosis, treatments can relieve symptoms, but it cannot be cured. The only way to give a better life to the patient suffering from this crippling disease is to provide adequate care, preferably by trained caregivers and medical practitioners.

Although Parkinson’s disease is diagnosed when one grows 60 years or older, early detection is also possible in some cases. Patient suffering from this disease may find it difficult to walk, talk, and complete simple tasks. An individual suffering from this disease may never be able to get back to his/her usual routine or perform tasks like a normal person. Parkinsons disease not only affects the patient but also leaves deep impacts on the family both financially and emotionally.

Why is it important to opt for HDFC ERGO Critical illness Insurance Policy, even if you hold an indemnity health insurance plan?

Critical Illness Insurance Plans

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Parkinsons Disease Causes And Symptoms

The exact causes of Parkinson’s Disease are currently unknown. Nonetheless, it is speculated that it may be caused by genetic and environmental factors. Below are some of the common symptoms that show up in individuals suffering from Parkinsons Disease.

• Tremors in limbs

• Stiffness of hands and legs

• Lack of subconscious body movements

• Loss of fine motor coordination skills

Medicare Coverage For Parkinsons Disease

• Medicare covers medications, therapies, and other services involved treating Parkinsons disease and its symptoms.
• Physical therapy, occupational therapy, and speech therapy are all included in this coverage.
• You can expect some out-of-pockets costs, even with your Medicare coverage.

Medicare covers medically necessary treatments for Parkinsons disease, including medications, different types of therapy, and hospital stays. Based on the type of coverage you have, you may have some out-of-pocket expenses, such as copays, coinsurance, and premiums.

Medicare may not cover all of the services youll need, such as assistance for normal daily living.

If you or a loved one has Parkinsons disease, its important for you to understand which parts of Medicare cover which treatments to avoid large, unexpected expenses.

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Medicare Coverage And Parkinsons

Danielle Kunkle Roberts, Forbes Finance Council member and co-owner of Boomer Benefits

No one plans to spend their retirement battling a chronic illness, yet people on Medicare are diagnosed with such illnesses all the time. Dealing with a progressive chronic condition like Parkinsons can be particularly devastating and also expensive.

Parkinsons affects more than one million people in the United States, and these individuals can expect to spend more than $2,500 on medications each year. Costs for surgery can surpass six figures.

Its no surprise then that older Americans with Parkinsons have substantially higher health care spending than individuals without it. Fortunately, though, as these people with Parkinsons age into Medicare, they can set up their coverage to help cover many of the costs of treatment and medications.

Common Questions About Parkinsons Disease

Here are some of the most common questions that people ask about Parkinsons disease:

What are the five stages of Parkinsons disease?

There are 5 known stages of Parkinsons disease which show different symptoms and levels of severity.

• Stage 1: Mild mobility issues and changes to facial expressions
• Stage 2: Moderate balance, mobility, posture problems
• Stage 3: More severe symptoms than Stage 2 with difficulty performing daily tasks
• Stage 4: No longer able to live independently
• Stage 5: Becomes immobile, requires full-time care, and further impairments

How do you get Parkinsons disease in the first place?

This is known as a genetic disorder and therefore will be part of genetic structure . It commonly runs in your family so you might be more at risk if your parents or grandparents had Parkinsons disease. Approximately 15% of people diagnosed with Parkinsons disease have a family history of the condition.

Does Parkinsons disease affect life expectancy?

According to statistics provided by the Michael J. Fox Foundation, people diagnosed with Parkinsons disease at age 60 will live between 10 and 20 years from diagnosis. The most common cause of death in people with Parkinsons disease is pneumonia and serious falls.

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Get A Free Life Insurance Quote From 20+ Canadian Insurers

Life insurance. Its something a lot of people put off. Youre healthy, active, and youngwhy bother with the extra expense right now? Things can change pretty quickly when something goes wrong, thoughwhen an accident occurs, or when someone is diagnosed with an illness like Parkinsons disease. Life insurance suddenly becomes a lot more dire. While life insurance isnt something that should be put off, it is helpful to know that you arent completely out of luck when something does go awry. It is possible to get life insurance for Parkinsons patients however, knowing the system is a good starting point.

How Is Parkinson’s Disease Treated

At this time, Parkinson’s disease can’t be cured. But you may not need treatment if your symptoms are mild. Medicines can help control the symptoms. You may also get occupational, physical, or speech therapy to help you function better. Brain surgery, for example deep brain stimulation, may be an option.

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What Are Medicare’s Coverage Options

Medicare is offered through the federal government as a fee-for-service program, designed to provide affordable health insurance coverage to elderly and disabled Americans. Medicare has two parts: Part A and Part B .

Part A Medicare coverage includes:

• All normal hospital services

• Transfusion of blood and blood components provided on an outpatient basis
• Out-patient surgery

Part B Medicare benefits require that you pay a monthly premium. You must also be entitled to Part A benefits to receive Part B benefits.

Does Critical Illness Insurance Cover Parkinsons Disease

Fortunately, Critical Illness Insurance offers financial compensation for individuals diagnosed with Parkinsons Disease. So, once the disease is diagnosed and a claim is raised, your insurer will pay you the sum assured as defined in the policy. This lump sum can be used to settle medical bills and take care of other expenses. The insured reserves the right to decide on how this amount is spent.

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