Raymond Lavine became interested in extended care benefits (long-term-care insurance) because he experienced personally the disruption that his father’s extended illnesses caused the families and the financial repercussions. He now advises families and businesses about ways to mitigate the consequences extended care.
Although many people believe they will never need extended care because they are currently healthy, Lavine points out that most Americans will need extended care at some point during their lives. Causes range from illness and injury to the normal aging process. The need for long-term care affects more than just the person who needs the care, Lavine stresses: “The consequences of care giving responsibilities will affect their family, their cash flow, their lifestyle, and their financial commitments.”
Studies and statistics aside, Lavine suggests observing other people when you’re traveling, dining, or shopping. “You’ll see many people who are being assisted by another person. Owning extended care insurance provides the freedom to live independently and avoids burdening family and friends with care-giving duties.”
Lavine says a common misconception that Medicare, the Veterans Administration, or some other social service agency will pay for extended care leads people to believe that no individual or family plan is needed. By the time they see the reality, it’s too late to obtain coverage.
Raymond Lavine has a BA in International Relations from the University of Southern California; an MBA and MA from Drucker-Ito Graduate School of Management, Claremont Graduate University; and the CLTC designation.
Raymond Lavine's actions speak for themselves. Read some of the reviews he has received from his clients.
Lavine also promotes the use of telemedicine that provides inexpensive access to a physician at any time, day or night.
Lavine says that there is a close connection between home health care and having access to a physician at any time. “People often have questions or concerns when doctors are not in their offices,” he says, “and telemedicine can eliminate the need for costly and time-consuming urgent care or emergency room visits.”
Some of the primary benefits of membership in a telemedicine membership plans include not being a part of any regular health insurance program and eliminating the need to visit a physician, urgent care facility, or emergency room for routine health care. “Telemedicine can help people who have cold or flu symptoms, sinus infections, allergies, and many other routine health issues.”
Telemedicine membership plans are available to anyone, even those who have no regular health insurance coverage. The monthly fee provides access to a physician via phone or Internet to eliminated the need to travel to a primary care physician, urgent care facility, or emergency room for minor health issues or advice. The single monthly fee also cuts the expense involved in receiving routine medical care for a cold, flu, sinus infection, allergies, and other routine health issues.
For more information about telemedicine, see Raymond Lavine's telemedicine site.