The Difference Between a Living Will and a Health Care Power of Attorney

For low-income Collier County residents who are working but uninsured, access to the medications they need is not as easy as going to a regular chain pharmacy to pick them up. Thats where the Neighborhood Health Clinics expanded non-narcotic medication room comes in, giving patients managing chronic conditions including hypertension and diabetes timely access to medications at no cost. The 1,850-square-foot medication room, located at the clinic on Goodlette-Frank Road near Central Avenue, was built at a cost of $500,000 and is named for the late Stacy Forman, a Naples philanthropist who donated funding for the expansion.Keith Maples, CEO of Neighborhood Health Clinic, said the expanded medications facility enhances the clinics ability to serve patients faster and more efficiently. On a typical day, a patient can walk in and when they walk out, theyre walking out with thousands of dollars worth of medication that, if it were outside of the Clinic, they would not be able to fill those prescriptions because it would be outside of what they could afford, Maples said. He said the expanded space, equipped with updated technology and increased storage capacity, allows for a larger inventory of non-narcotic medications that enables the Clinic to fill prescriptions immediately to minimize delays in treatment. In 2024, the Clinic distributed $6.5 million in retail value of medications thanks to partnerships with Americares, Direct Relief, Dispensary of Hope and other pharmaceutical companies. The expansion allows us to work even more with our pharmaceutical partners to basically procure all of the medications necessary for our patients, Maples said. He said that many patients arriving at the Clinic for the first time have not previously received medical care for the condition needing treatment and may have vastly elevated blood pressure or blood sugar levels, for example.  When they walk through the doors, theyre at such a heightened level that were trying to bring it back to a controlled number to where its manageable for them, Maples said. If their A1Cs are through the roof, their [blood] sugars are through the roof, were trying to get them back to an established number that helps them feel better. Well never cure them of all those illnesses, but well maintain that health for them, so they feel better and have a better quality of life.Clinic grows to meet patient demand The nonprofit Neighborhood Health Clinic was established in 1999 by Dr. Bill and Nancy Lascheid to provide medical care to low-income, working but uninsured Collier County adults. Their daughter, Leslie Lascheid, now serves as president of the organization. In 2024 the clinic saw more than 12,000 patient visits and delivered more than 30,000 patient procedures, Maples said, with all medications, primary care, specialty care, surgeries and outpatient procedures provided free of charge to patients.All funding is through philanthropy, as the Clinic does not receive any city, county, state or federal funding including Medicaid or Medicare. Over the years the clinic has expanded as the patient load has increased. The original 11,000-square-foot facility more than doubled in size with the completion of the Armstrong Medical Specialties Building in 2021, which expanded the campus to 23,000 square feet.  The addition of the Van Domelen Education and Wellness Building, also in 2021, took the total to its current 32,000 square feet, and when the Bill and Candy Raveis Pathology Building is completed this summer, the total campus will be at 43,000 square feet, according to Marcie Berland, the Clinics director of development. Maples said the Clinic has expanded strategically over the years to meet the medical needs of patients many of whom work in hospitality, service or construction industries in Collier County and the growing volume of patient visits. When weve expanded, we didnt do it just to do it, he said. We based it on what were the patient needs and what do we need in-house on a daily basis to deliver the care, providing the opportunity for a patient to walk in the door, get all the care they need and not have to go to another location somewhere else, or come for another appointment. Because when our patients miss days of work, thats food on the table and the roof over their heads. Its not like if I call in sick: I get a sick day and still get paid.  He said the campus expansions allow most procedures including lab work to be done in-house, creating opportunities for sustainable, uninterrupted patient care. When that patient walks through the doors, I never want them to wonder where theyre going to get their care or how theyre getting to their next appointment, Maples said. Many of our patients get rides here, or they walk or ride their bikes, because very few own cars that they can drive in.  And while the Clinic does have a full-time paid staff of 14 and five part-time staff, no medical professionals are paid to deliver care, Maples said. More than 250 physicians, 50 dentists, 100 nurses and 300 non-medical personnel deliver care and provide patient education on a volunteer basis. 

Beyond the Surface: Naples Cancer Advisors Spotlight Melanoma During Awareness MonthMay 1, 20256 Min ReadBy Jillian Hunt, CNP Executive Director of Clinical Operations at Naples Cancer AdvisorsMay is Melanoma Awareness Month, and in sun-drenched Collier and Lee Counties, its more than a calendar observance. Its a call to action. The sunny environment increases exposure to ultraviolet (UV) rays, which are a significant risk factor for skin cancer, including melanoma. Understanding the risks and adopting preventive measures can help residents enjoy the sun safely while minimizing their skin cancer risk.At NCA, we specialize in delivering second opinions and expert oncology guidance at no cost to patients. Our team, including nationally recognized oncologist Dr. Philip Leming, believes that no one should face a cancer diagnosis alone. This month, we want to shine a light on reshaping melanoma prevention, detection, and awarenessso you can stay protected and proactive.Prevention: A Daily Practice, Not Just a Summer ChecklistMost people know the basics: use sunscreen, avoid tanning beds, cover up when outside. But melanoma doesnt just show up where the sun shines. It can develop under your fingernails, between your toes, even on your scalp or eyes. We educate patients to look everywhere, not just the obvious spots.One powerful (and often overlooked) fact: a single blistering sunburn in childhood doubles your lifetime risk of melanoma. Thats why prevention is a family affair. We urge parents to build sun safety habits early and keep them consistent all year.Detection: A Watchful Eye is The Best ToolThe front line of defense against skin cancer is early detection. Identifying skin changes especially changes in moles is the easiest way to catch skin cancer earlier.What is a mole?A mole is a benign (non-cancerous) growth on the skin that develops when melanocytes, the cells responsible for producing pigment, cluster together instead of being evenly distributed. Moles can be present from birth or develop later in life.ABCDEs of Moles and Melanoma Detection Asymmetry: One half of the mole doesnt match the other. Border irregularity: The edges of the mole are uneven, ragged, or notched. Color variation: The mole has multiple shades of brown, black, or other colors like red, white, or blue. Diameter: The mole is larger than 6 millimeters (about the size of a pencil eraser). Evolving: The mole has changed in size, shape, or color, or has new symptoms like itching, bleeding, or crusting.The ABCDEs are a helpful tool for self-examination and can prompt individuals to seek professional medical advice if any of these signs are present.Dermatologists remain the front line in detection and diagnosis. However, emerging technologies are offering exciting backup. Artificial intelligence skin scanners and total body imaging are improving the speed and accuracy of diagnosis.Whether its through advanced tools or a trained eye, one truth remains: catching melanoma early saves lives.The NCA Difference: Compassionate, Cost-Free Cancer GuidanceNaples Cancer Advisors was founded to be a bridge for patients who feel lost, overwhelmed, or unsure where to turn after a cancer diagnosis. We offer a second set of expert eyes, help explain treatment options, connect people to top-tier providers, and support them throughout their journey.Melanoma may be aggressive, but its also highly preventable and treatable when caught early. This May, we urge everyone in our community to schedule a skin check, learn your ABCDEs (Asymmetry, Border, Color, Diameter, Evolving), and take sun safety seriously.And if you ever need clarity or support after a diagnosis, Naples Cancer Advisors is herefree, local, and fully focused on you.Jillian Hunt, CNP BioJillian has been caring for cancer patients since 2004. In that time, she has set the benchmark for her patient-centric approach in Cincinnati, Southwest Florida, and beyond.Her professional journey began at Cincinnati Childrens Hospital Medical Center in 1999 on the hematology/oncology/bone marrow transplant unit and later the emergency department.After spending five years caring for children, Jillian found her passion in caring for the adult oncology patient. Starting as a chemotherapy infusion nurse in private practice with Dr. Philip Leming at Cincinnati Hematology Oncology, she then pursued an advanced degree to offer a higher level of care to her cancer patients.Jillian has been an oncology nurse practitioner since 2011 and is passionate about patient care, education and staying current on research opportunities available for the patients she cares for.Jillian is a national speaker traveling to educate clinicians on the use and management of toxicities of medications that are used in cancer treatments. She has spoken at national nursing conferences and sits on several advisory boards. Jillian feels strongly about staying on the front lines to improve patient care and expert advice on cancer.Jillian was born and raised in Cincinnati and graduated from Lakota High School. She and her husband have five children. Outside of her love and passion for oncology, Jillian and her husband are licensed foster parents and have participated in global mission trips to serve orphaned children around the world.Naples Cancer Advisors239-846-2273 (CARE)3201 Tamiami Trail N, Suite 112, Naples, FL 34103

Managing the logistics of caring for a loved one can be overwhelming, stressful, and confusing. Financing in-home care can also be complicated, but long-term care (LTC) insurance can be a helpful resource to offset the cost of care. If you or your loved one have long-term care insurance, its important to understand the nuances and coverage aspects of your policy before filing a claim to pay for home care services.What is Long-Term Care Insurance for Home Care?Each long-term care (LTC) policy is different, but generally, they all require that the insured individual meets specific criteria to begin receiving benefits in the home or other setting. For example, you may be eligible for benefits if:You have a cognitive impairment or need help with two or more of these Activities of Daily Living: eating, dressing, bathing, toileting, getting in and out of a bed or chair, and bladder or bowel control. A care manager or nurse from your insurance company typically assesses the need and determines your eligibility. You are past the elimination period, which is like other insurance deductibles except its measured in days instead of dollars. Whether your elimination period is 30, 60 or 90 days, you must cover the cost of any services for this time before your insurance company starts to pay.Depending on your provider, policy differences dictate what services are covered for your loved one. When reviewing your policy to understand whats covered, examine factors like the maximum amount paid per day of care, the maximum number of years the policy will pay for benefits and lifetime maximum payment amount. Because these factors vary greatly from plan to plan, its critical to be fully aware what your policy covers and how much you may need to pay out-of-pocket.What Are the Types of Policies of LTC and Do They Cover Home Care?Long-term care policies are generally offered as either a traditional stand-alone policy or a hybrid option alongside a life insurance policy. Some hybrid options, such as a linked benefit life insurance policy, allow you to access the death benefit of a traditional life insurance policy while your loved one is still alive and needs care. Other options, such as a long-term care rider add-on to a life insurance policy, have a separate portion of funds that are earmarked for long-term care benefits.Many comprehensive policies cover services such as skilled nursing in-home care, support with activities of daily living (ADLs), occupational and physical therapy, as well as rehabilitation. However, more limited policies may not cover all of these services. Each policy has their own set of specifics that must be fully understood before submitting a claim. If you have questions about your policy, discuss them with your insurance provider to gain clarity and also confirm that your care provider-of-choice accepts your insurance and what options are available to you.Filing a Claim for Home Care ServicesCarefully review your policy or ask your LTC insurance provider:How many Activities of Daily Living do I need to require help with before I qualify? Does requiring help due to a dementia diagnosis count? What is my elimination period? Is it calendar days or days of paid care that may be stretched out over several months? Are there a minimum number of hours per day I need to pay for in order for it to count as a day of care?Are a physicians orders needed to qualify?What is my daily, weekly or monthly maximum? Do I have an inflation clause?Can I stop paying premiums once I activate the policy?If I stop needing care or am hospitalized, does the elimination period start over?To learn more about how you can leverage your long-term care policy for home care services, contact your local BrightStar Care agency today.Common Mistakes to Avoid When Filing a ClaimIf its your first time using long-term care insurance, it can be a confusing process.  LTC insurance doesnt always work the same as other types of insurance. The most common mistake made when filing a claim is not adhering to the policys elimination period the waiting period before the policy will begin paying for services. During this period, the policyholder is expected to pay for services out-of-pocket. The elimination period is determined at the time of purchase and can vary from 30 days to a year or more. Other common mistakes to avoid are similar to those stumbling blocks that often materialize with more traditional forms of health insurance. When filing a claim, make sure to provide a clear, detailed account of your loved ones level of function and their medical needs. Submit consistent and complete medical documentation to accompany each claim and make sure to file all claims on time.Using Long-Term Care Insurance to Pay for Home CareKnowing if your family member has a long-term care insurance policy and what type of policy it is means you have additional resources to support their care. If LTC insurance is an option for your family, here are some helpful tips to follow if you plan to use this insurance to help pay home care for your loved one. Review your policy: Familiarize yourself with the type of policy your loved one has, what services it will cover and how long it will cover their needs. If you have a hybrid plan, youll also want to consider how your particular LTC insurance may impact a traditional life insurance policy. Consult with your providers: Always follow up with your insurance provider to make sure you are clear on your policys coverage. You should also consult with your healthcare provider to gain access to all necessary documentation for your insurance claim.Choose a licensed home care provider: Selecting a home care provider should include such considerations as their vetting and training practices, standard of care, licensing protocols and accreditation. Submit a claim: Follow your insurance providers process for filing a claim. Include all documentation and follow proper timelines to ensure timely payouts for services.Monitor and adjust: Stay up to date on the particulars of your insurance coverage and what that means for the medical needs of your loved one. Both may change without notice, potentially leaving the door open for a gap in coverage when your loved one needs it most. Making sure youre aware of any upcoming changes will allow you to adjust care and policy coverages as needed.How to Maximize Your LTC Insurance BenefitsNavigating the complexities of long-term care insurance benefits can be complicated, but by asking the right questions of your insurance provider and healthcare professionals, you can develop a better understanding and reap the full benefits of your plan. Here are a few tips and strategies to help you make the most of your LTC policy:Work with a care manager: Having a care manager that is familiar with LTC insurance policies will help maximize your benefits. An experienced care manager has a working knowledge of various LTC insurance policies and can help you understand what options are available to you and for how long. They can also help you find additional resources to offset any costs not covered by your LTC insurance. Use preferred home care providers like BrightStar Care: BrightStar Care has provided professional in-home care to individuals and families for decades. Weve worked with a variety of insurance providers and can help you understand your coverage options. When you choose preferred care providers, your claim process can be easier and faster. Opt for home-based care to reduce out-of-pocket costs: LTC insurance elimination periods vary from policy to policy, ranging from periods as short as 30 days to up to 1 year or longer. In-home care offers greater flexibility and tailored care solutions that are typically billed hourly, allowing individuals to only pay for the services they need on a part-time basis, rather than a fixed rate at a skilled nursing facility. Additionally, in-home care eliminates the added costs of upfront facility deposits or admission fees. These cost-saving factors make home-based care a more budget-friendly option during the waiting period before LTC insurance benefits kick in.BrightStar Care: Your Trusted Partner in Navigating Long-Term Care InsuranceAt BrightStar Care, we know that the experience of caring for an older loved one can be rewarding but come with its own unique set of difficulties. Payment options like long-term care insurance gives you the peace of mind that your loved one will receive the care they need and helps ease the financial burden of paying for that care. Questions and to learn more please call us today, 303-300-6666