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Webinar: Wiser Health Care Decisions and Choices through Knowledge 1. Preparing a Written Agenda 2. Preparing a Medical History 3. Preparing Medication List 4. Health Care Proxy verses a Living Will 5. Life-Sustaining Treatment MOLST Guidelines 6. Planning and Costs for Long-term Care 7. Private care verses Nursing Home Care Preparing a Written Agenda Part: 1 Written Agenda – Preparation Benefits Allows you to stay in control of the meeting. Provides an opportunity to learn about your choices and plan of action. Provides an opportunity to summarize the discussion Shows your willingness to take an active role in your care. Keeps you focused on the items you wish to discuss. Agenda Preparation - outline 1. Date: 2. Agenda for visit with MD: 3. Objectives: 4. Discussion Topics: 5. Plan of action/next steps: 6. Additional questions: 7. Summary: Agenda Preparation - Goals *Date and include MD’s name on your agenda Objectives Establish a trusting and mutually beneficial relationship with the physician Gain insight into your health care options Establish health goals presently and for the future Agenda Preparation - Discussion Topics Why you selected this MD over another Your past medical history and medication review medical history, previous hospitalizations and surgeries review medication list review list of specialists on my team, preferred hospital, and pharmacy Agenda Preparation - Discussion Topics Your current healthcare issues and concerns short of breath, light-headed, recent fall, pain, skin changes Preventative care measurements taken to prevent disease or injuries (regular check ups, regular physical activity) Health care goals avoid vision problems, cancer, improve flexibility, be more active, weight maintenance, healthy skin Healthcare proxy/power of attorney/advance directives Agenda Preparation – Plan of action • Follow up appointment in 6 weeks • Follow current medication plan with close monitoring of questionable moles on skin. Action Plan • Make appointment with dermatologist. • Additional actions? Agenda Preparation – MD follow-up questions • What relationship does your practice have with the local hospital? • How quickly will my messages be received by you and my calls returned? Additional Questions • What happens if I need to see you on a day when you are not in the office? • What happens if I’m hospitalized? • What other questions should be addressed? Agenda Preparation - Guidelines (overview) Make several agenda copies for others attending the appointment. Date agenda and provide the name of the MD. Let the receptionist know you have an agenda for the MD to review prior to the appointment, and have it placed in medical record. Inform the MD that you would like the agenda reviewed prior to the appointment so it can guide the conversation. Take notes on the agenda to clarify the details of the appointment. Summarize the appointment with the MD to make certain everything was discussed and understood. Ask if you can follow-up by phone or in person if you have additional questions. Medical history and Medication List Part: 2 and 3 Medical History- outline 1. Medical Conditions – add dates, procedures, conditions: a. Cardiac b. Neurology c. Oncology d. Orthopedic e. GI (gastrointestinal) f. Kidney (Renal) g. Skin h. Ear, Nose, Throat (ENT) i. Eyes 2. Surgeries 3. Hospitalizations : : Medical History – Preparation Benefits Provides guidelines on proper treatment. (allergic reaction, etc.) Provides guidelines for MD to respond to new health signs or symptoms. Doctors can avoid duplicating services Health history can easily be shared with emergency personnel and new health care providers Provides immunization history enabling you to keep current. Medical History – Preparation conditions list (dates, treatments, present conditions, and so on.) Notes Conditions Cardiac Neurology Urology Orthopedic GI (gastrointestinal) Kidney (Renal) Skin Ear, Nose, Throat (ENT) Eyes Surgeries Hospitalization • Hypertension (high blood pressure) • Occasional swelling of feet and ankles 1.12.12 blood pressure meds side effects • Prior hemorrhagic stroke 2.12.13 stroke • Frequent urinary tract infections • Osteoarthritis, right hip replacement • Spinal stenosis of cervical and lumbar spine • GERD (gastro-esophageal reflux) • Diverticulosis 10.11.11 surgery on hip • Stage III Kidney disease • Excessive thinning, dryness • Fungus of toe nails • Post nasal drip 9.11.10 eye virus treatment • Dry eyes • Pacemaker insertion • Left hip replacement • For all surgeries • Fall resulting in hip fracture Sept. 2011, April 2013 Medication History – preparation benefits Provides information on medications taken and assists with selfadministered medications Provides insight on potential allergic reactions and conflicts with medications. Provides an opportunity to summarize the discussion Provides insight on potential conflicts with herbal supplements and vitamins. Keeps you focused on the items you wish to discuss. Medication List Client: Jane Doe DOB: 06/01/41 Allergies: Morphine, Bactrim DS, Seasonal Allergies (Pollen) Daily Medications Medication • Aspirin • Atorvastatin (Lipitor) For Medical Condition • For Heart • For Heart Prescribing Physician • Dr. Salem Date Started • Sept. 2012 Dosage & Frequency • 325 mg - 1 x daily Notes • a.m. intake • p.m. intake Medication List Client: Jane Doe DOB: 06/01/41 Allergies: Morphine, Bactrim DS, Seasonal Allergies (Pollen) Vitamins, Herbal Medications & Nutritional Supplements Medication • Multivitamin • Cranberry Capsules • Vitamin D For Medical Condition • Prevention • Prevention of UTI • Osteoporosis and Cancer Prescribing Physician Date Started Dosage & Frequency • Dr. Brown • Dr. Smith • Sept. 2012 • Oct. 2011 • • Dr. Smith • Oct. 2011 • 500 mg. 2 caps – 1x daily Notes • a.m. • a.m. • a.m. Medication List Client: Jane Doe DOB: 06/01/41 Allergies: Morphine, Bactrim DS, Seasonal Allergies (Pollen) Occasional or as Needed Medications Medication • Tylenol • Lidocaine Patch For Medical Condition • Pain • Back Pain Prescribing Physician • Dr. Brown • Dr. Brown End/Start Date • Sept. 2012 (start) • Sept. 2012 Dosage & Frequency • 350 mg – 3x daily • 500 mg. Notes • 6 a.m./2 p.m./8 p.m. • 12 hrs on, 12 hrs. off. Medication List Client: Jane Doe DOB: 06/01/41 Allergies: Morphine, Bactrim DS, Seasonal Allergies (Pollen) Previously Taken Medications Medication For Medical Condition • Flonase nasal spray • Nasal congestion • Atopicalir • Eczema Prescribing Physician • Dr. Brown • Dr. Brown End/Start Date • Sept. 2012 (start) • Jan. 2010 Dosage & Frequency • 1x daily • 2x daily Notes • Each nostril 2 weeks only. • 12 hrs on, 12 hrs. off. health Care Proxy vs. a LIVING WILL Part: 4 Health Care Proxy vs. Living Will Both advanced directives, HCP and LW allow individuals to retain control over medical decisions. Some states allow individuals to make their own Health Care Proxy, but does not legally recognize Living Wills (LW). Both the HCP form and the LW once signed remains valid unless you revoke them. Health Care Proxy (HCP) designates another person to make medical decisions should you be unable to do so. LW allows you to list medical treatments that you would or would not want if you became terminally ill and unable to make decisions. Health Care Proxy - Things to Consider Proxy becomes effective when MD determines you are incapable of making or communicating health care issues. You do not need a lawyer to complete Healthcare Agent form or make it legally binding. Must be 18 to assign an Healthcare Agent who is designated to ensure your wishes are honored. Healthcare Agents or Alternate Agent can be anyone over 18, except the administrator, operator, or employee of a health care facility, unless that person is related to you by blood, marriage or adoption. Proxy must be signed by two adult witnesses, neither of whom can be your Health Care Agent or Alternate Agent. Healthcare providers are bound to honor your Healthcare Agent’s decisions as if they were your own. Make a minimal of four copies of the form. One for yourself, your Healthcare agent, your alternate agent, your physician and others. Living Will – Things to Consider Provides guidelines to MDs, Healthcare Agents and others on certain lifeprolonging treatments you desire should you be in a permanent vegetative state. Does not become effective unless you are incapacitated. The individual designated to invoke healthcare decisions on your behalf -- so make certain they fully understand what your desires are. Usually requires certification by your MD and another MD that you are terminally ill or permanently unconscious before become effective. Requirements for LW vary by state, so consider having a lawyer prepare it. In situations where you are not completely incapacitated, you should have a health care power of attorney or a health care proxy act on your behalf. Share your LW document with those who can administer your wishes. If no one knows your wishes they can’t be honored. MOLST Massachusetts Medical Orders for LifeSustaining Treatment Part: 5 MOLST - Guidelines Massachusetts Medical Orders for Life-Sustaining Treatment Not designed for healthy individuals. Suitable for those with advanced illness (lifethreating disease, chronic progressive disease, dementia or suitable for a DNR order.) Standardized form containing valid medical orders for life-sustaining treatment based on patient’s own preferences and goals of care. MOLST form must be honored as any other medical order. If other orders “Comfort (CC) Care” or “ (DNR) Do not Resuscitate” exist the most recent order must be honored. Using MOLST is voluntary. Patients or Health Care Proxies can revoke MOLST at any time. Keep copy of form with the patient at discharge or between care settings. Keep it in a place it can be easily seen (door, bedside, or refrigerator) or in the patient’s purse or wallet. A copy should also be with the medical records. Massachusetts Medical Orders for Lift-Sustaining Treatment (MOLST) A Cardiopulmonary Resuscitation: for a patient in cardiac or respiratory arrest O B C Do Not Resuscitate O Attempt Resuscitation Ventilation: for a patient in respiratory distress O Do Not Intubate and Ventilate O Intubate and Ventilate Transfer to Hospital O Do Not Transfer to Hospital O Transfer to Hospital (unless needed for comfort) D Patient or patient’s representative signature Required – Fill in every line for valid orders Select one circle below to indicate who is signing Section D: O Patient O Health Care Agent O Guardian O Parent/Guardian* of minor Signature of patient confirms this form was signed of patient's own free will and reflects his/her wishes and goals of care as expressed in the Section E signer. Signature by the patient’s representative (indicated above) confirms that this form reflects his/her assessment of the patient’s wishes and goals of care, or if those wishes are unknown, his/her assessment of the patient’s best interests. *A guardian can sign to the extent permitted by MA law. Consult legal counsel with questions about guardian’s authority. Signature____________________________ Legible Printed Name of Signer______________________ Date________________________ Date _______________________ Massachusetts Medical Orders for Lift-Sustaining Treatment (MOLST) Clinician signature E Required Fill in every line for valid orders Signature of Physician, Nurse Practitioner or Physician Assistant confirms that this form accurately reflects his/her discussion(s) with the signer in Section D. Health Care Agent Printed Name___________________ ___________ Telephone Number ______ Primary Care Physician Printer Name___________________________ Telephone Number_______ Optional Expiration date and other patient care contacts This form does not expire unless expressly stated. (Expiration date (if any) of this form:__________ Health Care Agent Printed Name ____________________________________ Telephone Number ________ Primary Care Printed Name _________________________________________ Telephone Number ________ SEND THIS FORM WITH THE PATIENT AT ALL TIMES. HIPAA permits disclosure of MOLST to health care providers as necessary for treatment. Massachusetts Medical Orders for Lift-Sustaining Treatment (MOLST) Statement of Patient Preferences for Other Medically-Indicated Treatment F INTUBATION AND VENTILATION Select one circle Refer to Section B on Page 1 O Use intubation and ventilation as checked in Section B, but short term only O Undecided O Did not discuss NON-INVASIVE VENTILATION (e.g. Continuous Positive Airway Pressure – CPAP Select one circle Refer to Section B on Page 1 O Use intubation and ventilation as checked in Section B, but short term only O Undecided O Did not discuss DIALYSIS Select one circle O No dialysis O Use dialysis O Use artificial nutrition, but short term only O Undecided O Did not discuss O Use artificial nutrition O Use artificial nutrition, but short term only O Undecided O Did not discuss ARTIFICIAL NUTRITION Select one circle O No artificial nutrition ARTIFICIAL NUTRITION Select one circle O No artificial nutrition O Use artificial nutrition O Undecided O Use artificial nutrition, but short term only O Did not discuss Other treatment preferences specific to the patient’s medical condition and care ____________ Massachusetts Medical Orders for Lift-Sustaining Treatment (MOLST) PATIENT or Patient’s representati ve signature G Required Fill in every line for valid orders Select one circle below to indicate who is signing Section G: O Patient O Health Care Agent O Guardian* O Parent/Guardian* of minor Signature of patient confirms this form was signed of patient’s representative (indicated above) confirms that this form reflects his/her assessment of the patient’s wishes and goals of care, or if those wishes are unknown, his/her assessment of the patient’s best interests. *A guardian can sign to the extent permitted by MA law. Consult legal counsel with questions about guardian’s authority. ______________________________________________________________ Signature of Patient (or Person Representing the Patient) _____________________________________________________ Legible Printed Name of Signer ___________________________ Date of Signature _______________________ Telephone of Signer CLINCIAN signature Signature of physician, nurse practitioner or physician assistant confirms that this form accurately reflects his/her discussion(s) with the signer in Section G. H ____________________________________________________ Signature of Physician, Nurse Practitioner, Or Physician Assistant ________________________ Date of Signature _____________________________________________________ Legible Printed Name of Signer _______________________ Telephone of Signer Required Fill in every line for valid orders. Additional Instructions For Health Care Professionals Follow orders listed in A, B and C and honor preferences listed in F until there is an opportunity for a clinician to review as described below. Any change to this form requires the form to be voided and a new form to be signed. To void the form, write VOID in large letters across both sides of the form. If no new form is completed, no limitations on treatment are documented and full treatment may be provided. Re-discuss the patient’s goals for care and treatment preference as clinically appropriate to disease progression, at transfer to a new care setting or level of care, or if preferences change. Revise the form when needed to accurately reflect treatment preferences. The patient or health care agent (if the patient lacks capacity), guardian*, or parent/guardian* of a minor can revoke the MOLST form at any time and/or request and receive previously refused medically-indicated treatment. Part 6 & 7 Long-term Care Costs and Home Care vs. Nursing Home Care Private Home Healthcare vs. Nursing Home Care In-home care has risen at less than (1) one percent annually during the past five years according to Genworth Financials 2013 annual Cost of Care Survey. Average hourly rates ($19 to $21) for HHA/CNA will vary depending on location and skills required. Also, LPN and RN rates will be higher and vary depending on care level required. Assisted Living, Nursing home, Majority of people over age costs have increased by more 65 will require some type of than (4) four percent a year long-term care, and 40 based on Genworth Financials percent will require a period 2013 Cost of Care survey. Rates of care in a nursing home ($108 to $230 per day) vary according to Centers for depending on location and type Medicare and Medicaid of facility. Adult day center Services. averages $67 per day. Planning for long-term care should take place long before need arises because youth is not a guarantee that long term care will not be required. Over the past 10 years there has been a steady move away from traditional nursing home care to less-expensive options that include in-home care and adult day care. Long-term Care Funding Fundamentals Seniors and families facing nursing home decisions should first determine if Medicare is an option; however, it only pays for “approved” agencies (VNA, etc). Health and Disability Insurance often only covers very limited and specific types of longterm care, and disability policies don’t cover any at all. Many long-term care insurances have limits on what they will pay (25 years) while others will pay as long as you live. Most forms of insurance (Private/HMO) follow same rules as Medicare. If Insurance covers longterm care, it’s typically only for skilled, shortterm medically necessary care. Even if you or your loved one does not need care today, it’s wise to look at the costs now and in five years to gauge what the financial impact would be. If you are in poor health or already receiving long-term care services, you may not quality for long-term care insurance. However, coverage at a higher “non-standard” rate may be purchased. Life Insurance options for long-term care coverage. *Combination (life/longterm care) products *Accelerated Death Benefits (ABDs) *Life Settlements *Viatical Settlements Long-term Care Funding Fundamentals Paying Privately through * reverse mortgages * annuities *trusts Reverse Mortgage provides cash (lump-sum payment, monthly payment, or line of credit) against one’s home value without selling the home. Many pros and cons to this option; seek professional advise. Deferred Long-term Care Annuity available for those up to 85 years old. In exchange for a single premium payment, one receives a stream of monthly income for a specified period of time. Annuities are provided by insurance company to pay for long-term care. * Immediate annuity *Deferred long-term care annuity Deferred Long-term Care Annuity creates two funds (one-term care expenses and separate fund to be used as one desires). Immediate annuity is available for purchase regardless of your current health status. Single premium payment is turned into a monthly income for a specific period of time or the rest of your life. If long-term care fund is not used it can be passed onto heirs. Annuity may not be enough to pay for longterm care expenses. Annuity can affect your eligibility for Medicaid. Speak with a specialist about your options. Long-term Care Funding Fundamentals Trusts are legal entities that allows a person (the trustor) to transfer assets to another person (trustee). Trusts are used to provide flexible control of assets for the benefit of minor children or older adults or a person with a disability. Charitable Remainder Trust value will only payout the amount based on your donation. When you pass the funds in the trust go to the charity you selected. Donation may affect your Medicaid eligibility. Two types of trusts can help pay for long-term care. *Charitable Remainder Trusts *Medicaid Disability Trusts Medicaid Disability Trusts are limited to those with disabilities who are younger than 65 and qualify for public benefits. This type of trust is exempt from rules regarding trusts and Medicaid eligibility. Charitable Remainder Trusts allow you to use your assets to pay for long-term care services (while you are alive) and also contribute to a charity of your choice and reduce your tax burden at the same time. If beneficiary with disability receives Medicaid Disability Trust, the state can recover any amount remaining in the trust when he or she dies. See a specialist advice prior to setting up a trust. End Questions