A big part of what Humana does on a daily basis is make
sure members get the support they need. You may think the support is mainly
approving claims and answering plan questions. That is an important part of its
business, but more and more of what Humana does focuses on making sure its
members get the resources they need to live a full life.
There are many things that affect your health that aren’t
medical, but social. Known as social determinants of health, they are part of
the national conversation on healthcare. The conditions in the places where
people live, learn, work and play affect a wide range of health risks and
outcomes.
These barriers to good health occur outside of the health
care system and can be things like poor education, low income or lack of
transportation, food insecurity and loneliness.
Social determinants of health are so important that Humana
has made it a core principle of its business- to co-create solutions with
community partners – like the government, physicians and community
organizations and veteran’s service organizations – that address care of the
whole person.
It’s common to experience feelings of loneliness, even when
surrounded by friends and family. Loneliness is a feeling of sadness or
distress about being alone or feeling disconnected from the world. It can
strike when a person doesn’t feel a sense of belonging or have social
connections to friends, neighbors or others.
“Many veterans don’t realize that support for loneliness
may be available to every veteran through his or her primary care physician
(PCP) or veterans service officer,” said Ed Sandrick, Director of the Veterans
Channel at Humana. “Identifying individuals at risk for loneliness, social
isolation and related outcomes allows physicians and health plans like Humana
to also predict their healthcare needs and establish appropriate preventive and
intervention strategies to improve their health.”
If you or someone you love is facing loneliness, visit
FarFromAlone.com to find resources to help or have them reach out to their
veterans service officer who can support them.
Editor’s
Note: This article was submitted by Lisa Dimond
Caring for an aging parent can be a rewarding yet challenging responsibility. As they grow older, their needs increase, and it can become overwhelming to provide adequate support. In this guide from Hover Senior Living in Longmont, CO, we will discuss why and when it may be necessary to seek help in caring for your senior parent, focusing on options such as Longmont senior housing, assisted living, and assisted living homes.Declining Health and Safety ConcernsAs your loved one ages, their health may deteriorate, making it difficult for you to meet their increasing care needs. If their safety is at risk due to falls, forgetfulness, or medical conditions that require specialized assistance, it may be time to consider professional care in a Longmont senior housing facility or an assisted living home.Social IsolationSeniors often experience feelings of loneliness and social isolation, leading to declines in mental and emotional well-being. Moving them into a community like assisted living not only provides access to 24/7 care but also encourages social interaction with peers, organized activities, and outings, thereby improving their overall quality of life.Caregiver BurnoutProviding constant care for your senior parent can be physically and emotionally draining. Many caregivers experience burnout, which can negatively impact their own well-being. Getting help with caregiving responsibilities can ensure that both the caregiver and the senior parent receive the support they need.Higher Level of CareAs your parents care needs increase, they may require specialized medical attention, including assistance with medication management, physical therapy, or memory care for conditions like dementia. Assisted living facilities are equipped to provide these higher levels of care, ensuring that your loved one receives the appropriate attention and support.Caring for a senior parent is a significant responsibility and recognizing when to seek help is crucial for their well-being, as well as your own. Consider the declining health and safety concerns, social isolation, caregiver burnout, and the need for a higher level of care as indicators that it may be time to explore Longmont senior housing, assisted living, or assisted living homes. By making this choice, you are ensuring that your parent receives the support they need to thrive in a safe and engaging environment. Contact us today to learn more.Contact Us Now 303-772-9292
For many veterans, the dream of owning a home is within reach thanks to specialized housing assistance programs. These programs are designed to help those who have served our country transition into homeownership with ease and financial support. Understanding the options available can make a significant difference in your journey to finding the right home.VA Home Loan Program BenefitsThe VA Home Loan Program is one of the most well-known benefits available to veterans. Backed by the U.S. Department of Veterans Affairs (VA), this program offers a range of advantages that make it easier for veterans to buy a home: No Down Payment Required: Unlike many conventional loans, VA loans often require no down payment, making it easier for veterans to purchase a home without needing to save a large sum of money upfront. Competitive Interest Rates: VA loans typically offer lower interest rates compared to conventional loans, helping veterans save money over the life of the loan. No Private Mortgage Insurance (PMI): VA loans do not require PMI, which can be a significant monthly expense for other types of loans. This benefit further reduces the overall cost of homeownership. Flexible Credit Requirements: The VA Home Loan Program has more lenient credit score requirements, making it accessible to veterans who might not qualify for other loan programs. Specially Adapted Housing (SAH) GrantFor veterans with service-connected disabilities, the Specially Adapted Housing (SAH) grant provides financial assistance to modify or build a home that meets their specific needs. This grant can be used for: Building a New Home: Veterans can use the SAH grant to construct a home designed to accommodate their disabilities. Modifying an Existing Home: The grant can also be applied to modify an existing home to improve accessibility, such as installing ramps, widening doorways, or adapting bathrooms. Paying Off an Existing Mortgage: In some cases, the grant can be used to pay off the existing mortgage on an adapted home. This program ensures that veterans with disabilities can live independently and comfortably in a home that meets their unique needs.State and Local Housing Assistance ProgramsIn addition to federal programs, many states and local governments offer housing assistance specifically for veterans. These programs often include: Down Payment Assistance: Many state programs provide grants or low-interest loans to help veterans cover down payments and closing costs. Property Tax Exemptions: Some states offer property tax exemptions for veterans, which can significantly reduce the annual cost of homeownership. Home Repair Grants: Local governments may offer grants or low-interest loans to help veterans make necessary repairs or improvements to their homes. These programs vary by location, so its important to research whats available in your state or community.Your Next StepsNavigating the various housing assistance programs for veterans can be overwhelming, but you dont have to do it alone. At Resource Mortgage Corporation, we specialize in helping veterans understand and take advantage of these valuable resources. Whether youre interested in a VA loan or exploring other options, our team is here to guide you every step of the way.Ready to take the next step toward homeownership?Contact us today to speak with one of our experienced loan officers. Were dedicated to helping veterans achieve their homeownership dreams. Call us at 303-444-1200 to learn more about the programs available to you. Dont waityour dream home could be just a call away.
Becoming a homeowner is a key part of the American dream, especially for those who have served our country. The VA Loan stands as a valuable benefit for veterans and active service members in their pursuit of homeownership. But a common question often arises: How many times can you use the VA Loan benefit? Lets explore the details of the VA Loan program to provide clarity.The VA Loan Benefit: A Reusable AdvantageThe good news is that the VA Loan benefit isnt limited to a single use. Veterans and active military members can use their VA Loan benefit multiple times throughout their lives. This flexibility reflects the VA Loan programs ongoing commitment to supporting those who have served.Understanding Entitlement: The Key to ReuseThe ability to use the VA Loan benefit multiple times depends on a concept called entitlement. Entitlement refers to the amount the VA will guarantee on your loan, which in turn provides security to lenders. Every borrower eligible for the VA Loan starts with a certain amount of entitlement, and this entitlement plays a key role in determining how many times you can use the benefit.Full Entitlement: No Loan LimitsIf youve never used your VA Loan benefit, or if youve repaid a previous VA Loan and sold the property, you likely have full entitlement. With full entitlement, you can take out another VA Loan with no limits on the amount, aside from what your lender qualifies you for based on income and credit. This means you can continue using your VA Loan to purchase homes as long as your entitlement is restored after each loan.Partial Entitlement: Loan Limits May ApplyIf youve used part of your entitlement or havent restored it after paying off a previous VA Loan, you may have partial entitlement. In this case, there may be loan limits depending on the remaining entitlement and the countys loan limits. While you can still qualify for another VA Loan with partial entitlement, you may need to make a down payment depending on the circumstances.Restoring Your EntitlementIf your entitlement is still tied to an existing VA Loan but you want to use the benefit again, you can apply for entitlement restoration. This happens after youve repaid your current VA Loan in full, either by selling the property or refinancing into a non-VA loan. Once restored, youre free to use your VA Loan benefit again.The VA Loan program offers an incredible opportunity for those who have served, allowing you to use the benefit more than once. Whether you're buying your first home or seeking to purchase another, the VA Loan remains a flexible and reliable option. With each use, you can trust that the VA Loan benefit will continue to support you on your journey to homeownership.Ready to explore your VA Loan options?Contact us today for personalized guidance and let us help you maximize this valuable benefit on your path to homeownership. These materials are not from HUD, VA, or FHA and were not approved by HUD or any other government agency.
Humana is a leading health-care company that offers a wide range of insurance products and health and wellness services that incorporate an integrated approach to lifelong well-being. By leveraging the strengths of its core businesses, Humana believes it can better explore opportunities in health care that can further enhance wellness opportunities. Your Humana MarketPoint office is ready to answer your questions and help you choose the best coverage for your needs. Whether meeting you at a local MarketPoint office, home or coffee shop, a licensed Humana sales agent is available to talk about making the right decisions for you and your family. Take the guesswork out of selecting coverage and contact your local office today!