RK: That’s great. Now, can you tell me how does payment work you know will insurance or Medicare covers services or anything like that?
David Romero: Of course that’s always one of the — one of the biggest questions that came. Long term care insurance, we always ask clients if they have a long term care insurance policy which would have been a separate policy that they paid for and they have riders that would pay for homecare and will help them with the whole process of starting a claim for long term care insurance. We have lot of long term care insurance clients.
Other than long term care insurance, there are programs through the VA, they have a homemaker program that we can also help them with and besides that it’s against private pay. I always tell everybody that the way that the healthcare system works is if you’re trying to keep your mom or your dad from you know falling at home or actually if they fall or if they get sick, if there’s a medical need, if they fall and hurt themselves then Medicare or your regular insurance will pay for it. If you’re trying to do preventive maintenance and keep them from doing it, unfortunately they don’t pay for that, but we help families learn — teach them different ways to be able to spend a little bit of money to do preventive maintenance, so they’re not having to give the price and pay for emergency all the time.
RK: Yeah and that seems like the preventative would actually be more cost effective than having to deal you know a break or an injury from a fall or something like that.
David Romero: Definitely it’s a lot cheaper to do the preventive maintenance and do you know little bit at a time same with everything, same with maintaining a car, it’s a lot better when you maintain everything and do a little bit at a time than when you — if you just wait for something big to break. And it’s the same thing when we’re doing you know managing our long term health for our parents is finding out all the things that we need to know, what questions we need to ask and what things we need to put in place to stay ahead of everything and do preventive maintenance and a lot cheaper and a lot easier on everybody psychologically too than just waiting for a big incident to happen.
Cindy Brown: More than anything, I think what family members and seniors really want for their seniors is for them to continue to have control of their life and have choices. If you wait for crisis to happen, you have far less choices than if you plan ahead and you work to help making sure things that you can avoid happening, don’t, so it’s a matter of control and choice.