The cost of home health care warrants proactive planning and should be weighed against your budget and other anticipated expenses. For a home health aide to visit just 3 times a week to provide in home care, you may have to pay nearly $18,000 a year. It is wise then, to fully understand what is involved in contracting home health services and how it impacts your finances.

You will also have to look into the qualifications of their health aides. A hospice or senior home health care visiting nurse organization will usually only hire someone who is a licensed certified nursing assistant or a CAN. This is the case in many states.

You should understand that with rising hospital costs, health insurance costs also rise. But the problems with health insurance policies are not just costs. For instance, there are cancellation policies, where the insurer can cancel the policy if the insured falls ills too many times. Though it sounds unfair, such policies exist. So, choose a non-cancellable policy, where the company cannot cancel the policy as long as the insurer pays the premium.

Health care fraud also occurs through medical identity theft. This occurs when a person uses another persons insurance to receive health care service. This may occur because the person is uninsured or simply doesn’t want to use their own insurance. This could even be so the person can receive narcotics without using their own name.

There are a few companies that now offer these plans. When you are doing your search for health plans, check to see if they have a Hospital Advocacy Program. This program helps you if you need to be hospitalized or your child has an emergency admission to a hospital. They negotiate the lowest possible fees for you, for all the different services you may require.

Many discount health plans are available to you for a fee. These fees are on a monthly to yearly basis depending upon the company you choose. It is important that you understand the charges and you have the ability to pay this fee, as it comes around. The fee entitles you to a discount health care plan that gives you steep discounts at participating providers and prescriptions from pharmacies. This includes any hospital visits as well, if it is included. Again, you should choose based on what the discount health plans offer and make your decision accordingly.

Religion and Politics: It’s often been said that religion and politics don’t mix with anything. I tend to agree. While we can all acknowledge that a person’s faith does play a part in health, in most cases we are better off leaving these topics out of our marketing. When is it appropriate? If your business is specific to a certain group based on religion/faith, and these are the specific folks you are offering your services to, then feel free. Just be aware that you’ll potentially lose patients that have other feelings.

This is not a decision I plan on putting off till 2013. I need to choose a direction soon. I’ll need to discuss it with my employees and make sure to help them with the transition. I can’t just yank their health-care coverage on the last day of 2012. I have to give my people time to adjust if I want to keep them happy. Maybe these reforms can provide so much extra coverage that I can start taking steroids-pretty much the only way I’ll ever hit one out of the infield.