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By Sam Dicosta

 Krista Bowers, who is the Senior Vice President of senior products at Blue Cross Blue Shield of Georgia, offers some key tips to those among us who may be providing care for an aging or ill loved one. A caregiver is someone who assists a parent, grandparent, or other loved one on a daily basis because of an ongoing illness or impediment, which prevents the loved one from doing day-to-day things on their own. This situation is often unanticipated and can become financially and emotionally draining for the caregiver. This is one of the many helpful hints provided by Blue Cross Blue Shield for members.

According to the National Alliance for Care Giving and Blue Cross Blue Shield, one out of four people in the United States serve as unpaid caregivers. This is a huge number of people who may have questions or frustrations over the medical care or Blue Cross Blue Shield care their loved one receives.

The first thing to do on the journey of care giving is to find out as much information as possible concerning the Blue Cross Blue Shield healthcare benefits as well as all Medicare benefits due to the person you care for. Also, try to find out all the information about the medical condition of the person specific medications, dosage amounts and even formulations of the medicines; Medicare card info; names and numbers of doctors who treat them; all medical conditions- including those not being treated formally by a doctor; Blue Cross Blue Shield healthcare plan identification information. You are basically making a health care template for the person. They make be reticent to allow you to do this at first. However, if you explain that this will help you to offer more assistance to them in terms of their health, they may be more receptive. Reassure them of the Blue Cross Blue Shield confidentiality policy and patients privacy law. You may find some of this information on the Blue Cross Blue Shield web site, private member log in section.

What about getting access?

People are often surprised to learn that healthcare companies like Blue Cross Blue Shield cannot just disclose personal information to relatives of the Blue Cross Blue Shield recipient even the spouse or their child. The Health Insurance Portability and Accountability Act, while making sure patients privacy is intact, has also made it difficult for caregivers to gain needed access to their information.

One way to remedy this situation is to get a durable power of attorney for the loved one you care for. An attorney can help in obtaining this. Also, an Authorization to Disclose Personal Health form can be obtained by your Blue Cross Blue Shield or other health benefits company. With this form the member can designate how much information is available to be shared with the caregiver.

These forms are sent to the Blue Cross Blue Shield office or other health benefits office, and kept on file for that person. The member can designate whomever they chose in the Authorization form to represent them in matters of their healthcare benefits- including grievances, exceptions, or appeals as needed. Having formalities like this taken care of can make the daunting task of care giving much less frustration in the long run. Blue Cross Blue Shield can offer more information about obtaining the tools you need as a caregiver of a loved one. You may even want to look at long term care health insurance Blue Cross Blue Shield plans.

Sam Dicosta shares his knowledge on health insurance that makes you able to find the plans that best fits your needs. If you want to know about affordable group health insurance, Individual Health Insurance Quotes, Aetna health insurance, Medical Insurance, Blue Cross Blue Shield, group health insurance, affordable health insurance georgia visit www.usa-healthinsurance.com

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