Obtaining Better Nursing Home Insurance Rates

Owners of nursing homes have a duty to provide a proper standard of care to their residents, along with maintaining safe living conditions. In order for brokers to provide their clients with the best possible nursing home insurance rates they’ll need to instigate a risk management plan that could help further the cause to prevent injuries and illnesses that could generate claims and greatly affect these rates.

These facilities are required to have a sufficient amount of nurses and other staff members and employees in order to meet the needs of the residents in their care. They should also establish a comprehensive care plan for each resident in order to help to establish their individual needs and how those needs will be properly met.

Health Issues Routinely Experienced by The Elderly

Many residents of nursing homes may become ill due to a number of reasons. If they are not provided with sufficient fluids some tend to become dehydrated, while others may suffer from dizzy spells, constipation, fever, and confusion. Severe dehydration is cause for concern since this can actually lead to even more serious illness and in some cases death.

Medications Should be Properly Monitored

Residents often rely on their medication to help treat their illnesses and maintain their health. Federal and state rules require physicians to keep all records in proper order, as well as store, administer and monitor medications. Despite the detailed standards being issued, over prescribing of drugs and other medication errors are both a concern and a common problem.

Controlling The Spread of Infection

Nursing homes can certainly benefit from having a program designed to address infection control, which will assist workers in the battle to prevent the spreading of diseases and infections. In order to meet these requirements nursing homes should investigate, control and prevent infections in the facility from occurring or reoccurring.

Screening residents and employees for tuberculosis, requiring staff members to wash their hands after direct contact with a resident, cleaning and disinfecting contaminated articles and surfaces, and prohibiting employees who have any type of infection or condition from having direct contact with residents or their food can greatly help in this cause.

By ensuring that your clients follow these guidelines, implement other strategies, and work to improve current conditions they can help keep residents safe and benefit from affordable nursing home insurance rates. Contact a MGU that can answer any specific questions you may have.