We as individuals have to work, encouraging those around us to make healthy choices, to educate themselves and to take control of their own health. As consumers - insured or not - we have to treat our health care as what it really is - a product or service we employ. We need to start insisting on good information, on options, checking out our care providers and not being afraid to fire them when they aren't doing the job. If we demanded as much from our doc as from our mechanics we just might be in better shape. They have no trouble saying. "well, you didn't check the oil or get it changed regularly and you blew it" WE have no trouble saying, "you didn't do what I paid you to do".
However, for dementia, long term care insurance is available.
LTC coverage is a great idea but really only affordable if you purchase it years before you are most likely to need it. Not available at all once you have a condition that requires it. You are really more likely to use STC/LTC than homeowners insurance.
We can only learn to love by loving. - Iris Mudoch, British writer
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