Retail Clinics providing medical care

With the recent passage of the House Bill on Healthcare Reform, we can only guess how much it will change once the Senate gets a hold of it and further makes revisions. So, what do we common folk do while politicians duke it out on Capital Hill? Fortunately for me, I have health care coverage provided by my husband’s employer. However, about the millions of others who do not? There is a little bit of relief in the form of retail clinic care.

Last year, I notice one open up at the local CVS by parent’s house. It looks like any other medical clinic, except there is one Nurse Practitioner who handles everything. Sometimes she might have a medical assistant with her. These clinics are walk-in so no appointments are necessary. You can read more about CVS’s Minute Clinic here.

Insurance or No Insurance

You can check with each clinic to see what types of insurance they accept. However, if you don’t have insurance, they accept cash.

CVS example of services include: (check with your local clinic, but these are

 

  • Minor Illness Exam $62.00 
  • Minor Injury Exam $62.00 
  • Skin Condition Exam $62.00 
  • Wellness & Prevention $20.00-60.00
  • Vaccinations $30-112.00

Clinics Cost Much Less

Retail clinics charge about half of what doctor offices and urgent care centers charge and 87% less than emergency rooms.  However, prescription costs are about the same as doctor offices and urgent care centers. 

Who Uses the Clinics?

Most patients are younger, as older patients over the age of 50 have established relationships with their primary doctors. I would have liked to see something like this right after I got out of the university, I didn’t have the student services any more, and between the ages of 22-26, I was without insurance. I was only working part-time while attending a trade school and so I didn’t have health insurance available to me.  

Who runs the clinics?

Either Physician Assistants or Nurse Practitioners run the clinics at these type of outlets. Is it something to worry about ? No. Nurse Practitioners and Physician Assistants generally have graduate degrees beyond their traditional 4 year degree and clinical training. Nurse Practitioners, under the direction of a doctor can prescribe medicine, make some diagnoses and also perform minor surgery (under supervision). 

Learn more about retail medical clinics at these other sources below.

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ProCare Benefit Card

by Benny Arce

Provider Financial Services is an insurance broker and employee benefits specialist that operates throughout the United States. It set up ProCare Health Plans, Inc. and the ProCare Benefit Card as its wholly owned subsidiaries.

A Door to Discounts and Substantial Savings

The ProCare Benefit Card is a medical discount or medical savings card that assures you of substantial discounts in your health bills. This could range from 10 to 60% depending on the service or product you require. ProCare has a nationwide network of over 350,000 medical and health practitioners whose services and products you can avail of.

Easy as ABC

Unlike insurance, membership in this program does not require too much paperwork. You do not need to wait long for coverage to commence. Neither are there any exclusions for pre-existing conditions. When availing of the benefits, you need not fill up any claim forms. There are also no deductibles, maximum coverage, or reimbursement procedures. You only need to present your card to make full use of the benefits offered.

Among the benefits are medical treatment discounts, discounts on prescription drugs, visual care plan discounts, dental services discounts, as well as low cost or even free legal services.

Doctors, Dentists, and Drugs

Medical treatment discounts cover physician’s services. This could range from 10 to 40% without any restriction on the number of times the card is used. You can have access to home healthcare, mental health care, cosmetic surgery, and other related services at as much as 40% discount. You can also save 10 to 30% on laboratory and x-ray services in over 20,000 Patient Service Centers.

ProCare has two programs for its prescription drugs benefits –the Neighborhood Pharmacy and Mail Order Pharmacy programs. Under the former, you can save from 10 to 50% on the cost of acute-care drugs such as antibiotics and pain killers. There are over 35,000 pharmacies nationwide that honor the ProCare Benefit Card.  Mail Order Pharmacy, on the other hand, focuses on supplying drugs for maintenance medications. With this program you can cut your bills by an average of 10% below AARP prices.

There are over 9,000 ophthalmologists, optometrists, and optical centers across the country who will give you discounts of 10 to 60% on prescription and sun glasses, contact lenses, eyes exams, and even surgical procedures including RK, PRK, and ALK.

Dental services discounts cover routine dental check-ups, cleaning, root canal, crown, x-rays, fillings, and orthodontia. There are more than 66,000 dental clinics who accept ProCare Benefit Cards offering discounts ranging from 15 to 50%.

The Legal Eagles

In addition to the discounted medical services, ProCare also offers low-cost and free legal services. There are 10,000 experienced and highly qualified lawyers who are willing to provide, at discounted costs, consulting services whether face-to-face or via the telephone, prepare letters and other legal documents, assist in settling claims or disputes, solve difficulties with the government, or prepare your last will.

The Cost

You can avail of all these discounts by enrolling in the ProCare Benefit Card program. Currently, it costs US$19.95 a month with a single-time enrollment fee of US$30.00.

In the event that you change your mind within 30 days from your payment, you can cancel the enrollment and have your US$19.95 refunded. The enrollment fee, however, is non-refundable unless you live in Maryland where it may be refunded less US$5.00.

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California’s Budget Cuts Aimed at Elderly and Children will Cost not Save

Capitol Building in Sacramento
Image via Wikipedia

by Rose Broyles

Recently, Gov. Arnold Schwarzenegger of my beloved state, proposed the long dreaded cuts needed to keep California afloat from its $46 billion dollar deficit. While I understand the need to make the cuts to several services including welfare-to-work programs, (I think there is rampant abuse in this area anyway, but I’ll save that argument for another time) I am very troubled by the cuts that were made to programs affecting seniors and disabled children. Of all the social programs, those particular programs should have been spared from cuts.

This last tuesday, Schwarzenegger cut $37.5 million from the In-Home Supportive Services program, $50 million from the Early Start program for developmentally disabled children, and more than $6 million in cuts from programs for the aging. While the governor and other legislators believe these cuts are necessary to save money, it actually might end up costing the state more as time goes on. Here’s why:

Stay At Home vs. Nursing Home

  • According to the California Legislative Analyst in past years, the IHSS program has cost approximately $9924 annually. Compare that with $60,000 plus for a person to be placed in a nursing home. If you look at the national statistics of nursing care costs, you will see that number climb in some areas.
  • As California’s population ages (baby boomers), the unavailability of programs such as: adult day care, IHSS and other much needed programs will force seniors who are otherwise healthy enough to stay home, to be institutionalized (especially for those who do not have family or family that cannot afford to care for them).

Cutting those programs may also affect the workers themselves who may see a cut in their financial compensation and crucial health care benefits because of hourly cuts. Programs like the IHSS allow caregivers to be compensated for their time which is a necessity. I know this as we have had to sacrifice our own financial and emotional needs  to care for both parents for two years before we pulled together to hire a live-in caregiver. People who become caregivers by choice or not, lose hours at their own jobs or even lose their jobs because of the tremendous emotional and physical burden of long-term care. Even now, we have to make ends meet and we have an uncertain future. So, can you imagine those families who cannot even afford a private in-home caregiver? They have no choices now, but to send their parents unwillingly to a nursing home or somehow try to juggle their parents with their own families. When there are health issues involved, that is close to impossible!

“The Governor believes that family providers will continue to do the work for free,” said Laura Reyes, President of United Domestic Workers/AFSCME. “I have two problems with that assumption: First, almost half of all providers in this state are not family providers, but they too will be uncompensated for their work. Second, family providers help the state achieve savings through the IHSS program just like non-family providers so why is the Governor trying to target this group of workers. If there were no family and non-family providers the IHSS program would fail to exist and we would see budget deficits like the one this year every year because you would have over 400,000 elderly and disabled people receiving care at a much high cost.”

Possible Legal Issues

There may be a possible violation of the  landmark U.S. Supreme Court decision in Olmstead in 1999. The Court told the states that unnecessary institutionalization of people with disabilities violates the Americans with Disabilities Act.

“How can the governor say he upholds the state’s responsibilities to comply with Olmstead and at the same time cut the services which are at the very heart of any compliance?” said Deborah Doctor, Legislative Advocate at Protection and Advocacy, Inc. (PAI).

The Supreme Court stated that “recognition and unjustified institutional isolation of person with disabilities is a form of discrimination reflect[ed] two evident judgements”: 1) “Institutional placements of people with disabilities who can live in, and benefit from, community settings perpetuates the unwarranted assumptions that persons so isolated are incapable or unworthy of participating in community life”; and 2) “confinement in an institution severely diminishes everyday life activities of individuals, including family relations, social contacts, work options, economic independence, educational advancement, and cultural enrichment.” Olmstead, 119 S.Ct. 2176, 2179, 2187 [emphasis added]. This decision effects not only all persons in institutions and segregated settings, but also people with disabilities who are at risk of institutionalization, including people with disabilities on waiting lists to receive community based services and supports.

It sounds to me, that there is something amiss here. If there is a smaller pool of healthcare workers provided by IHSS, and the requirements implemented with stricter standards occur, then hundreds if not thousands of seniors will lose vital services such as daily living tasks: cooking, cleaning, errands, light medical care, groceries, etc. Obviously, if those services are no longer available, and they cannot afford assisted living (which doesn’t accept Medicare or Medicaid anyway), what other choice do they have? This is involuntary institutionalization.

Raising Awareness

What the governor doesn’t realize (which I don’t think he could, given his social and financial status), and most people who have not experienced the burden of long-term eldercare and children with disabilities) is the emotional, physical and financial impact of caregiving. Most of the seniors depending on the public services programs like IHSS did not start off as destitute. These people were like my father who worked hard for many years, only to see their savings depleted to pay for healthcare costs. These people end up on Social Security as their only income and then need publicly funded services in order to stay home. I wrote a letter to the governor, and I’m also aware of a group of IHSS workers and advocates who have protested. I’m hoping the message will not get muttled and our cause lost, I believe that more people should get involved and if you feel the same way, please send the governor a message to protest the healthcare cuts. You can also follow Gov. Schwarzenegger on Twitter

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