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Is the agency an approved Medicare provider?Is the quality of care certified by a national accrediting body such as the Joint Commission for the Accreditation of Healthcare Organizations?Does the agency have a current license to practice if required in the state where you live?Does the agency offer seniors a “Patients’ Bill of Rights” that describes the rights and responsibilities of both the agency and the senior being cared for?Does the agency write a plan of care for the patient with input from the patient, his or her doctor and family, and update the plan as necessary?Does the care plan outline the patient’s course of treatment, describing the specific tasks to be performed by each caregiver?How closely do supervisors oversee care to ensure quality?Will agency caregivers keep family members informed about the kind of care their loved one is getting?Are agency staff members available around the clock, seven days a week, if necessary?Does the agency have a nursing supervisor available to provide on call assistance 24 hours a day?How does the agency ensure patient confidentiality?How are agency caregivers hired and trained?What is the procedure for resolving problems when they occur, and who can I call with questions or complaints?How does the agency handle billing?Is there a sliding fee schedule based on ability to pay, and is financial assistance available to pay for services?Will the agency provide a list of references for its caregivers?Who does the agency call if the home health care worker cannot come when scheduled?What type of employee screening is done?When purchasing home health care directly from an individual provider instead of through an agency, it is even more important to screen the person thoroughly. This should include an interview with the home health caregiver to make sure that he or she is qualified for the job. You should request references. Also, prepare for the interview by making a list if any special needs the senior might have. For example, you would want to note whether the elderly patient needs help getting into or out of a wheelchair. Clearly, if this is the case, the home health caregiver must be able to provide that assistance. The screening process will go easier if you have a better idea of what you are looking for first. Another thing to remember is that it always helps to look ahead, anticipate changing needs, and have a backup plan for special situations. Since every employee occasionally needs time off or a vacation, it is unrealistic to assume that one home health care worker will always be around to provide care. Seniors or family members who hire home health workers directly may want to consider interviewing a second part time or on call person who can be available when the primary caregiver cannot be. Calling an agency for temporary respite care also may help to solve this problem see the Respite Care fact sheet for more information about these services.

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Consequently, you should consider the information in light of your objectives, financial situation and needs.

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There is no doubt that the costs of trading stock CFDs with retail brokers are significantly higher than the costs involved in trading Forex.

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Generally, the overall cost to seller finance will depend on how many documents are involved and how sophisticated those documents need to be.