Invest your $3M in senior care in the bay area

An internet start-up is asking for $3M. Motherhealth LLC is a senior home care agency for bay area seniors. You can also invest here to ensure that our seniors are cared for in the comfort of their homes, a total senior concierge with holistic home care in mind.

Email motherhealth@gmail.com or text 408-854-1883 to get info on how you can help provide affordable and caring bay area caregivers to home-bound seniors.

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The Rachel Maddow Show

New law in California for 2019

new law

Urgent care, emergency care and health care without the outrageous cost

I am in health sharing plan that allowed me to see a doctor via a phone ($40) after I emailed picture of my skin issues and got the prescription with 50% discount ($90) emailed and called in to Rite Aid. This saves me time and money. I pay $200 per month for my premium.

Urgent care and emergency care costs are different per county but in the bay area the prices are similar to the ones listed below.

Email motherhealth@gmail.com to save on your health insurance costs and also to save on your senior home care costs. Text 408-854-1883

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urgent vs emergency care.JPG

Caregiving advice

A family in San Jose is looking for reliever for their caregiver sister for their mother with Dementia from Wed to Sat and can afford only $15 per hour. I suggested they get a sitter from their community whom they can train and speaks their own language. Important to train on home emergencies such as food poisoning, UTI, hygiene and infection and preventing falls and other emergencies.

A San Leandro family called to get home care for their mother at home who is currently in a care home with $4500 budget. I suggested that their mother is better in care home setting since one on one care at home can cost up to $7000 or more per month and their budget is only $4500 per month and that to work with an estate planner/lawyer for cost saving ways for senior care.

A San Jose family whose father has Parkinson wanted 3-week home care and I suggested for a male caregiver who can also help with exercise , massage, housekeeping and other tasks for home caregiving.

There are many ways to find solution for home care. Text 408-854-1883 to ask Connie, what is suggested for your personalize care for your parents who are over 65 and need home care help at home with caring caregivers who can also provide massage, care for your pets, cook gourmet meals, help with exercise, monitor health and other tasks to comfort your parents at home who are home alone and need to prevent emergencies.

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Immigrants make America great, they care for your seniors at home

Immigrants care for your parents, massage them, cook healthy soups, give them hugs and encouragement, help them with walks and exercise, monitors their health, change their diapers and ensure that they are living comfortably in their homes, nursing homes and senior homes.

Motherhealth are hiring caregivers with starting pay of $17 per hour. We allocate more than 20% of our profit to help college students and provide home care discount to deserving seniors in our community.

We provide fast response in matching your senior home care needs, referrals to senior homes and trained caregivers at 408-854-1883

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Abilities Expo – helping our disabled

There is help for our disabled. At Abilities Expo, you can test and see all gadgets to help you live your fullest even when disabled.

Text 408-854-1883 for our disabled seniors in the bay area needing caregivers, hourly or live-in.

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https://www.abilities.com/losangeles/

Medical supplies from American Medical

Motherhealth and American Medical are collaborating to serve the needs of our seniors. Be proactive when going back home and ensure that you have all the medical supplies and equipment that you need such as commode, hospital bed, oxygen supplies and other medical supplies.

Motherhealth caregivers will assist you in daily living. Call or text 408-854-1883 for prompt response and get 25% discount this holidays.

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When our bodies are tied to the bed and we need assistance from caregivers and other medical assisted equipment, we can use medical supplies from:

https://www.americanmedicalinc.com/store/c2/bathroom

2018 inspirational quotes

Do not give up.

Be joyful. Look at the goodness in everyone but be careful of the Fake people. Do not overshare. Do love with wild abandon. Cherish little moments with love ones. Time and laughter cannot be bought. Do find more time to laugh and spend with positive people.

Connie

2012 from anonymous

The Challenge..Let others lead small lives, but not you. Let others argue over small things, but not you. Let others cry over small hurts, but not you. Let others leave their future in someone else’s hands,but not you.
Carpe Diem..If standard of living is your major objective, quality of life almost never improves, but if quality of life is your number one objective, your standard of living almost always improves.
When it is obvious that the goals cannot be reached, don’t adjust the goals, adjust the action steps.
Aim for success, not perfection. Never give up your right to be wrong, because then you will lose the ability to learn new things and move forward with your life.
Develop interest in life as you see it; in people, things, literature, music – the world is so rich, simply throbbing with rich treasures, beautiful souls and interesting people. Forget yourself.

Epilepsy client on Dilantin and Amlodipine

A calcium channel blocker and Dilantin for seizures can create more seizures and cramps. Why would a doctor prescribed these two meds at the same time for an epilepsy patient?

The epilepsy patient has no appetite and experiences more seizures and nausea. A statin medication was also prescribed without CoQ10 dietary supplement.

Only families who are aware of these medications can ask more questions from the doctor and communicate any side effects from the drug combination.

As caregiver, we can only note in our journal that the client has stomach cramps, loss of appetitie, increased nausea and loss of balance.

We care for our clients and so we educate them about the side effects of the medications.

Hopefully, their families can be proactive in their medication management.

Text 408-854-1883 if you need caring caregivers who also is aware and proactive about drug side effects.

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Stop taking the medication and seek immediate medical attention if any of the following occur:

seizures
suicidal thoughts or behaviour
symptoms of a serious allergic reaction (such as fever, swollen glands, yellowing of skin or eyes, or flu-like symptoms with skin rash or blistering)
symptoms of a serious skin reaction (such as skin rash; red skin; blistering of the lips, eyes, or mouth; skin peeling; fever; or joint pain)

Some people may experience side effects other than those listed.Check with your doctor if you notice any symptom that worries you while you are taking this medication.

Are there any other precautions or warnings for this medication?

Before you begin using a medication, be sure to inform your doctor of any medical conditions or allergies you may have, any medications you are taking, whether you are pregnant or breast-feeding, and any other significant facts about your health. These factors may affect how you should use this medication.

Allergy: Some people who are allergic to carbamazepine or barbiturates also experience allergic reactions to phenytoin. Before you take phenytoin, inform your doctor about any previous adverse reactions you have had to medications, especially other medications for seizures. Contact your doctor at once if you experience signs of an allergic reaction, such as skin rash, itching, difficulty breathing or swelling of the face and throat.

Dental hygiene: Because phenytoin can cause swollen and bleeding gums, it is important to practice good dental hygiene by flossing, brushing, and visiting your dentist regularly. Talk to your doctor to learn more about how to take care of your mouth, gums, and teeth while taking this medication.

Diabetes: Phenytoin can decrease the release of insulin from the pancreas, resulting in higher-than-normal levels of glucose (sugar) in the blood. It may also have an effect on the action of medications used to lower blood sugar for people with diabetes.

If you have diabetes, or are at risk of developing diabetes, discuss with your doctor how this medication may affect your medical condition, how your medical condition may affect the dosing and effectiveness of this medication, and whether any special monitoring is needed. It may be necessary to monitor your blood sugar more closely when starting or stopping phenytoin treatment.

If you experience symptoms of increased blood sugar, such as increased urinary frequency, increased thirst, excessive eating, unexplained weight loss, or a fruity breath odour, contact your doctor.

Drowsiness/reduced alertness: Some people who take phenytoin become drowsy. Avoid activities that require complete mental alertness, judgment, and physical coordination (such as driving a car or performing hazardous tasks) until you establish how you are affected by phenytoin.

Hypersensitivity syndrome: A severe allergic reaction called hypersensitivity syndrome has occurred for some people with the use of phenytoin. Stop taking the medication and get immediate medical attention if you have symptoms of a severe allergic reaction, including fever, swollen glands, yellowing of the skin or eyes, or flu-like symptoms with skin rash or blistering. These reactions may be more frequent in people of Asian origin.

Lactose intolerance: This capsule form of phenytoin contains lactose. If you have galactose intolerance (galactosemia, glucose-galactose malabsorption, or Lapp lactase deficiency), you should not take the capsule form of this medication.

Liver function: Some people have reported liver problems and, in rare instances, liver failure, with the use of phenytoin. These cases have been associated with an allergic reaction that includes fever, skin rashes or hives, or swollen lymph glands. The reaction usually occurs within the first 2 months of treatment.

If you experience symptoms of liver problems such as fatigue, feeling unwell, loss of appetite, nausea, yellowing of the skin or whites of the eyes, dark urine, pale stools, abdominal pain or swelling, and itchy skin, contact your doctor immediately. If you have decreased liver function or liver disease, discuss with your doctor how this medication may affect your medical condition, how your medical condition may affect the dosing and effectiveness of this medication, and whether any special monitoring is needed.

Osteoporosis: Long term use of anti-seizure medications, including phenytoin, may affect the strength of your bones, because these medications reduce the amount of vitamin D available for your body to use. If you have or are at risk for developing osteoporosis, discuss with your doctor the need to take additional vitamin D.

Other medications and alcohol: Many medications and alcoholic beverages interact with phenytoin, causing decreased effectiveness or increased side effects. If you are taking phenytoin, consult with your doctor or pharmacist before taking any other medications or drinking alcoholic beverages.

Regular dosing: Remember that when you are taking phenytoin, it is very important to take the medication exactly as prescribed. Inform your doctor of any condition that prevents you from taking the medication as prescribed (e.g., surgery, illness, difficulty swallowing).

Stopping the medication: Do not stop taking phenytoin without consulting your doctor. Stopping the medication suddenly may cause an increase in the number or severity of seizures. If it is necessary to stop taking this medication, talk to your doctor about how to gradually reduce the dose of the medication before completely stopping.

Suicidal thoughts and behaviour: Some people taking anti-seizure medications may have suicidal thoughts or behaviour. If this happens to you or you notice this in a family member who is taking this medication, contact your doctor immediately. You should be closely monitored by your doctor for emotional and behaviour changes while taking this medication.

Pregnancy: When phenytoin is taken during pregnancy, it may cause harm to the developing baby. This medication should not be used during pregnancy unless the benefits outweigh the risks. If you become pregnant while taking this medication, contact your doctor immediately.

Breast-feeding: This medication passes into breast milk. If you are a breast-feeding mother and are taking phenytoin, it may affect your baby. Talk to your doctor about whether you should continue breast-feeding.

What other drugs could interact with this medication?

There may be an interaction between phenytoin and any of the following:

abiraterone
acetaminophen
acetazolamide
alcohol
aliskiren
allopurinol
alpha blockers (e.g., alfuzosin, doxazosin, tamsulosin)
amiodarone
amphetamines (e.g., dextroamphetamine, lisdexamphetamine)
angiotensin receptor blockers (ARBs; e.g., candesartan, irbesartan, losartan)
antacids (e.g., aluminum hydroxide, calcium carbonate, magnesium hydroxide)
antineoplastic agents (chemotherapy; e.g., carboplatin, cyclophosphamide, etoposide, irinotecan, vincristine)
antihistamines (e.g., cetirizine, doxylamine, diphenhydramine, hydroxyzine, loratadine)
anti-psychotics (e.g., chlorpromazine, clozapine, haloperidol, olanzapine, quetiapine, risperidone)
apixaban
aprepitant
azelastine
azole antifungals (e.g., fluconazole, ketoconazole, voriconazole)
barbiturates (e.g., butalbital, phenobarbital)
benzodiazepines (e.g., clonazepam, diazepam, lorazepam)
birth control pills
bisoprolol
bosentan
brimonidine
buprenorphine
bupropion
buspirone
calcitriol
calcium channel blockers (e.g., amlodipine, diltiazem, nifedipine, verapamil)

How We Chose the Best Long-Term Care Insurance Providers

Stand-alone long-term care coverage

Long-term care insurance is actually available in a few different forms. Traditional, stand-alone LTC coverage is the most common, although there are more recent hybrid policies that pair with another insurance product like life insurance. While we explored these hybrid policies, we focused our attention on stand-alone plans, since they are still the most widely used.

Available to all

We started with a list of 31 LTC insurers. To ensure our top picks’ relevance and accessibility, we required providers sell plans in at least 35 states and hold no special eligibility requirements. We also nixed any that didn’t underwrite their own policies, serving instead as middlemen for the policies of other insurers. The best long-term care provider is available to many people and meets all of its policyholders’ needs in-house.

Financial strength

An insurance company’s financial strength ratings are the best indicators of its ability to pay out on claims. Of the three largest independent ratings agencies, only A.M. Best rates strictly insurance. We strongly weighted these ratings, requiring a minimum grade of A- (“Excellent”). Then, because the Insurance Information Institute recommends getting ratings from at least two agencies, we also required one of the following: AA- (“Very Strong”) or higher from S&P Global or Aa (“High Quality”) or higher from Moody’s.

Benefit periods as short as two years

A long-term care policy’s benefit period is the length of time it will pay for care after you make a claim. Ideally, it lasts as long as you need care, but so-called “lifetime policies” are practically extinct today. Instead, most LTC policies offer a benefit period measured in years (although some use a “pool of money” model in which benefits are gradually subtracted from a lifetime amount with no set time period). The longer the benefit period, the more expensive the policy, sometimes prohibitively so. Because smaller policies can still be useful, potentially saving you from having to sell assets to pay for care, we required companies offer benefit periods as short as two years.

‘Waiver of Premium’ as a standard provision

With insurance types like auto or homeowners, you continue to pay premiums even when you’re collecting benefits. But long-term care insurance typically kicks in at a time when most people are on a fixed, limited income, and “waiver of premium” removes the burden of paying premiums once your claim is approved. It’s not standard with every policy, but it is a wise inclusion and one we wanted to see in all of our top picks.

‘Shared Care’ rider option

Shared Care enables couples to pool their coverage so that one person’s unused benefits are available to the other. “Shared Care saves couples money by letting them each buy shorter policies than they would otherwise buy separately,” explains Mickey Batsell, board member at National Insurance Marketing Executives. Partners can each purchase a shorter, more affordable benefit period (say three years) but keep their partner’s identical benefits on reserve should they end up needing them (allowing each the potential for six years of care). The risk: The first person to need care could exhaust the entire benefit. Still, the option of adding a Shared Care rider means greater flexibility and value, so we required our picks to include it as an option.

The 2 Best Long-Term Care Insurance Providers

Mutual of Omaha –Best for Robust Coverage
Transamerica –Best for Affordable Policies

Mutual of Omaha — Best for Robust Coverage

Why we chose it

Flexibility

In choosing our top picks, we prioritized flexibility — from designing a policy to total benefit amounts and how they’re dispersed. All three of our picks excel, but none more than Mutual of Omaha, which offers benefit periods of two to five years, as well as the alternative “pool of money” model (up to $500,000). This gives policyholders more choice in their policy design than any of our other finalists.

Quick access to benefits

Mutual of Omaha is our only top pick to count its Elimination Period in calendar days instead of service days, which means policyholders can get access to their benefits faster. (What is an Elimination Period? Read our answer below.) It’s a thoughtful touch that’s standard with the company.

Independent home caregivers covered

Your caregivers don’t need to be from an expensive agency in order to receive payment from Mutual of Omaha. Home care services (such as health aide visits) are also not subject to the Elimination Period at all — they’re covered as soon as you need them. And Mutual of Omaha’s “cash alternative” payout can also be up to 40% of your policy’s maximum monthly benefit, which is 10% higher than our other finalists’. That means if your care costs are low in a given month, you can opt for a check equal to 40% of your policy’s monthly maximum in lieu of other benefits. You can spend that cash on anything, not just covered services — another nice measure of flexibility.

Points to consider

Complex range of options

In addition to the company’s vast repertoire of plan options, you also have premium and payout specifics to decide on. While this range of options is something we loved about the company, Mutual of Omaha’s spread of services may leave you feeling overwhelmed if you’re not insurace-savvy. If this is the case, it may be time to turn to a broker. An independent agent is often the best way to make sure you thoroughly compare your options. The Society of Financial Service Professionals can help you find one you can trust.

Transamerica — Best for Affordable Policies

Why we chose it

Small benefit amounts

Transamerica is a solid option for long-term care insurance, and it’s an especially good choice if you are looking for a modest policy — one to supplement, not shoulder, future financial burdens when it comes to healthcare. The company offers total benefit amounts as small as $18,250. Small benefits means greater affordability.

‘Pool of money’ model

Transamerica uses the flexible “pool of money” model to define its policies’ benefits instead of years of care. This means that if a debilitating injury or surgery requires more intensive care one year and much lighter care the next, the pool of money can be drained as needed without yearly caps.

Competitive cash alternative

While Transamerica’s standard features are slightly less generous than Mutual of Omaha’s, it too boasts a zero-day waiting period for home care, reimbursing those costs as soon as you first have a need for them. And its monthly cash alternative caps at 30% of the policy’s maximum monthly value, not much less than Mutual of Omaha’s 40%.

Points to consider

Requires agency caregivers

Transamerica requires that you receive in-home care from agency-affiliated caregivers before paying out. Because agency services are likely more expensive than an independent caregiver would be, this stipulation could drain your benefits more quickly.

Guide to Long-Term Care Insurance

How to shop for long-term healthcare insurance

Consider future need

We all need help as we get older, though how much help is impossible to predict. The US Department of Health and Human Services estimates that 70% of all Americans 65 and older will need some kind of long-term healthcare during their lifetime. The average need for care in the US is currently about three years, but 20% need it for more than five. The most expensive scenario is a nursing home (with average annual costs currently around $90,000 per year), but having weekly or daily assistance in your home can still require tens of thousands of dollars annually. It makes sense to insure yourself for at least two to three years of care, if you can afford it.

Start early

Addressing the need for care sooner rather than later can make a huge difference in both your peace of mind and your bank account. The older you get, the more you’ll pay in premiums (and the more likely it is that you’ll develop a condition that makes getting covered more difficult).

Choose your policy type

If you’re worried you might never use the benefits in a traditional long-term care policy, a hybrid that combines LTC with life insurance might be more appealing. Such policies secure a benefit no matter what — either in the form of care for you or cash for your loved ones. There’s also no danger of premiums going up unexpectedly.

However, there are trade-offs. For one, most hybrid products have a higher upfront cost: They require either a large one-time payment or a shorter set payment term (10 years is typical). And even if you have the cash available (a meaningful LTC benefit will require between $50,000 to $75,000 in total premium), paying it sooner means it’s not available to earn interest elsewhere. If you do end up needing care, the death benefit will decrease as a result, leaving your heirs with less.

You should address your respective needs for life insurance and long-term care insurance in their order of urgency. If you’re 55 or older and shopping primarily for life insurance and keep in mind that the accelerated death benefits we discuss may not cover all of your long-term care needs.

Decide if you can afford to protect against inflation

Buying insurance is about removing financial risk from your life, and inflation is a legitimate risk to your policy’s future value.

Text 408-854-1883 for a field underwriter near you.

Bay area respite care for homebound seniors with Alzheimer and other health issues

Get 25% discount for home care caregiving for home-bound or bed-bound bay area seniors needing assistance at home especially those with Alzheimer, stroke, epilepsy, disability, cancer and other health care issues.

Text 408-854-1883 for holistic home health care in the bay area and get loving caregivers providing assistance in daily living, massage , light housekeeping, cooking and other tasks.

Free senior care assessment and referrals to assisted living and care home facilities.

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Bay area home cooked meals delivered

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We deliver home style food any where in the Bay Area.

Search Results

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Best Meal Delivery Services in the SF Bay Area – Red Tricycle

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408-854-1883 starts at $30 per hr home care

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Are there any other precautions or warnings for this medication?

What other drugs could interact with this medication?

How We Chose the Best Long-Term Care Insurance Providers

Stand-alone long-term care coverage

Available to all

Financial strength

Benefit periods as short as two years

‘Waiver of Premium’ as a standard provision

‘Shared Care’ rider option

The 2 Best Long-Term Care Insurance Providers

Mutual of Omaha — Best for Robust Coverage

Why we chose it

Flexibility

Quick access to benefits

Independent home caregivers covered

Points to consider

Complex range of options

Transamerica — Best for Affordable Policies

Why we chose it

Small benefit amounts

‘Pool of money’ model

Competitive cash alternative

Points to consider

Requires agency caregivers

Guide to Long-Term Care Insurance

How to shop for long-term healthcare insurance

Consider future need

Start early

Choose your policy type

Decide if you can afford to protect against inflation

Bay Area Meal Delivery | Try 6 meals for only $36 | gobble.com‎

10 Home Meal Delivery Services | Best Meal Kits/Prepared Meals‎

Blue Apron – $60 Off | Choose America’s #1 Meal Kit | BlueApron.com‎

Home Style Food Delivery | Office Lunch, Catering, Events | eatoji.com‎

Search Results

Web results

Best Meal Delivery Services in the SF Bay Area – Red Tricycle

Six healthy meal-delivery services in the Bay Area – SFChronicle.com

Best Home-Cooked Meals Delivered in San Francisco Bay Area, CA …