Improved Conditions and Nursing Home Insurance Rates

Improved Conditions and Nursing Home Insurance Rates

Your client understands the issues and concerns of the elderly, which is why they opened a nursing home in the first place. Their intention was to provide the highest level of care for older adults outside of a hospital environment. Many nursing homes provide what is called custodial care, including aides who provide services such as helping residents to get in and out of bed, and also provide assistance with feeding, bathing, and dressing.

However, nursing homes differ from other senior housing facilities in that they also provide a high level of medical care. A licensed physician supervises each patient’s care and a nurse or other medical professional is almost always on the premises. This obviously creates added risks pertaining to claims of neglect, misdiagnoses, and other medical-related issues. This is further reason to look into obtaining the best nursing home insurance rates for your clientele.

On-site advanced care aids residents with health issues

For many of these facilities, skilled nursing care is available on site, usually 24 hours a day. Other medical professionals, such as occupational or physical therapists, are usually also available at scheduled intervals. This helps allow for the delivery of medical procedures and therapies on site that would not be made possible in other housing situations.

A major concern for families of residents is the often-misconstrued image of nursing homes as residencies that are poorly run, and as a place that doesn’t provide adequate care. While it is key to research homes thoroughly and visit as frequently as possible, it’s certainly not true that all nursing homes provide poor care.

In fact, just the opposite is generally true. There are currently more safeguards in place, due perhaps to televised reports of residents receiving poor treatment, or being mistreated, and facility’s have made an effort to do extensive screening of potential staff members, along with providing staffing information to the public in order to help gain public trust.

While many nursing homes have focused on making patient care their primary goal, some homes have gone even further by reducing the number of residents, creating smaller communities of 10 to 30 people within each home, with private kitchens, and communal areas for recreational activities, and improving continuity of staff. These types of improved conditions have had a positive impact on nursing home insurance rates as well.

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