Phoenix Arizona Long Term Care Insurance

Why you need to learn about Phoenix Arizona Long Term Care Insurance!

Residents of Arizona pay for health insurance, auto insurance, home owner insurance and life insurance. The already stretched household income pays for a roof over your head, food on the table, and the car payment. You may even be fortunate to stick away some money for retirement. There are miscellaneous expenses such as toiletries, clothing, entertainment and maybe even a movie or two. We are not even mentioning the costs associated with raising children if you have them.

The average household budget is already stretched to the max. How then is it possible to afford even more insurance?

A lot of life is about planning. And planning for the future is a pretty good idea. That is why it is prudent to consider Phoenix Arizona Long Term Care Insurance. Your budget may be tight. How much tighter would it be if you became too sick or injured to work?

There is a product called that can pay the costs associated with a nursing home, assisted living facilities and home health care (a nurse who comes to your home).

Phoenix Arizona Long Term Care Insurance

An injury or illness could cause anyone at any age to need long term care. But generally we think of long term care for the elderly. The cost of a private room in a nursing home is fast approaching $70,000 per year. The average stay in a nursing home is over two years. That’s a lot of money.

For most of us, we want to pass money to family and children. We work hard to have a home and to eventually pay that home mortgage off completely. We throw money into an IRA or 401k and hope it grows substantially.

It’s because of those assets that we should want to consider buying long term care insurance sooner, than later. LTC insurance is very costly in our old years. The premium locks in at the age you buy it, making it a good idea to consider it in your 50’s and 60’s, not later.

A person who buys Arizona Long Term Care Insurance in their 50’s will typically pay LESS than someone who buys in their 70’s, even though they pay premiums for a much longer period of time. That younger person simply locked in a much lower premium (though premiums can rise in LTC policies).

Blue Cross Blue Shield of Arizona Health Insurance Company Review

Blue Cross Blue Shield of Arizona has a number of top notch health care solutions for Arizona residents. Perhaps one of the most famous health insurance companies in the United States is Blue Cross and Blue Shield. The company itself was found in the year 1929 in the state of Texas. Nowadays it is estimated that 99 million Americans are members of a Blue Cross and Blue Shield.

This means that one out of three Americans s covered by perhaps the biggest insurance company in the entire country. Today the company has access to all 50 states of the nation with its well developed plans and services. Since Blue Cross and Blue Shield is comprised of 39 independent, community-based and local Blue Cross and Blue Shield companies they each operate individually within their own state. It is known that the 39 independent entities represent the oldest and largest family of health benefit companies.

Blue Cross and Blue Shield of Arizona is no different than all the other states independent agencies. The entity on this state was founded on 1939, just ten years after the first independent BCBS was founded in the state of Texas. The company has main offices in the cities of Phoenix (headquarters), Tucson, Tempe and Flagstaff and is the place of work of an estimated 1500 employers. Blue Cross and Blue Shield of Arizona is given the A.M. Best rating of A (Excellent) because it provides great quality health care at an accessible price for their members and because it provides different plans that will perfectly meet the diverse population within the state. Blue Cross and Blue Shield of Arizona is one of the first options for the residents of the state because not only does it do business, but it volunteers with about 200 organizations through out the state.

Blue Cross Blue Shield of Arizona as said before offers excellent plans that can be purchased by anyone. From high deductibles with low monthly premiums to no deductible and low out-of-pocket expenses which can guarantee you a little higher premiums BCBS has it all. Because they are independent health insurance agencies they make up their own health insurance plans that they think will be liked by the consumer.

Below you will find a detailed description of the six plans offered within the state with the rates you should expect to pay when using the services. It is also worth mentioning that the plans offer different deductible and different copays for each deductible so you can basically choose whichever deductible option you wish from within the plan itself.

1. BluePreferred Copay: This plan works within the Arizona Preferred Provider Organization (PPO) network with a choice of you to visit providers of different networks. If you choose to follow the out of network path however, you will end up paying much higher than if you stick with the large PPO network. This plan offers deductibles of $250, $500, $1,000, $2,500 and $5,000 for an individual per calendar year with the family deductible being double those prices. The co-insurance for this plan is 20%, which means you will have to pay 20% of what the bill is in case you use a service which requires co-insurance.

The doctor visits are different for each deductible category, but they range from $15 if you choose the plan with a $500 deductible; to $35 if you choose the $5,000 deductible. Pharmacy coverage is a little different within this state because instead of dividing the drugs into three tiers, BCBS of Arizona divides them into four levels. Level one drugs will cost you $15, level two will be $34, level three $65 and the with a level four drug you will have to pay $120.

Inpatient and outpatient hospital care is subject to the deductible first and then to the 20% co-insurance and the emergency room fee if you happen to go and are not admitted in is $150. Other inpatient care such as maternity care, behavioral and mental health, rehabilitation and home care would be 20% co-insurance after you pay the deductible and it’s important to mention that preventive eye exams are covered by the plan and range from $15 to $35 depending on your deductible choice.

2. BluePreferred Saver: This plan also is part of the Arizona Preferred Provider Organization (PPO) network and gives you the choice to go out-of-network for a higher rate. With these plan you will have the choice of three deductible options that will double if you have a family coverage; those options are $1.500, $2,600, and $5,000. The co-insurance of this plan once you meet your deductible is of 0%, which means that you will be able to go use the services for no cost at all. BCBS of Arizona will pay 100% of the bill in selected services if you meet your deductible.

This plan is pretty much self explanatory because for doctor visits, preventive care, lab services, prescription coverage, inpatient and outpatient hospital care, inpatient mental health, inpatient rehabilitation services, ambulance services and urgent care you won’t have to pay a single dollar once you meet your deductible. You will pay $150 if you happen to go to the emergency room and are not admitted in before you pay your deductible, after you meet the deductible dollar amount however, this too is covered 100%. It is also worth mentioning that this plan is one of the two that BCBS of Arizona offers that is compatible with Health Savings Accounts.

3. BluePreferred Basic: This is another plan that operates within the Arizona PPO network but will give the member a chance to go out-of-network for a higher price. They have choices of $1,500, $2,500, $5,000 and $10,000 deductibles for individuals with family deductibles doubling those costs. For most covered services you will have to pay a 20% co-insurance after you meet the deductible option you selected, although a few services give you copay prices. For doctor visits they you will pay based on the deductible you selected, this means that if you selected a $1,500 dollar deductible you will pay $25, if you picked a $2,500 deductible your cost will be $30, for a $5000 deductible your rate will be $35 and for a person selecting the $10,000 deductible their doctor visits cost would be $40. Preventive services will not be counted towards the deductible so you will be allowed to pay 20% co-insurance from the start.

Prescription medications in this plan are divided only into generic drugs which you will pay $30 and brand name which you will pay $125. Other than those services all the other coverage which includes inpatient and inpatient care such as mental health services, rehabilitation services, skilled nursing facility and home care you will have to pay 20% co-insurance after meeting your deductible. The emergency room fee in this plan is $150 if you are not admitted and after meeting your deductible you will only have to pay 20% co-insurance.

4. BlueClassic: This type of coverage doesn’t follow any network because it is an indemnity plan. This means that the plan gives the member more freedom to go use services under any other network, but the plan is a little bit more expensive. It gives choices of $250, $500, $750, $1;250, $2;500 and $5;000 for individuals, with family deductibles being double the individual levels. The co-insurance for most services is 20% after you meet the deductible of choice if the service involves a co-insurance. For doctor visits and preventive care you will have to pay full price until you meet your deductible and then the company will pay 80% while you pay 20%.

Prescription medications once again are divided into four levels with level one being $15, level two being $35, level three $65 and the most expensive is level four which will require you to pay $120. Lab services, inpatient care, outpatient care and urgent services are all subject to deductible and co-insurance, as well as maternity care, behavioral and mental services, rehab services, skilled nursing facility services and home health services. For an emergency room fee you will have to pay $150 at first and then its subject to deductible and co-insurance.

5. BlueClassic Saver: This is another indemnity plan that gives the customer more freedom when deciding to use the services. With these plan you will only have the choice of a $5,000 deductible for an individual, $10,000 for a family. This plan is also easy to describe because the co-insurance that BCBS of Arizona pays is 100% after you meet the deductible. This means that after you pay the $5,000 your services such as doctor visits, preventive care, lab services, inpatient care, outpatient care, urgent care, maternity care, behavioral and mental care, home health care, rehabilitation care and skilled nursing facility care will all be covered 100%. It is important to mention that this is the other plan that BCBS of Arizona has for people that want a plan compatible with their Health Savings Account.

6. BlueSelect: The BlueSelect plan is an Arizona Health Maintenance Organization (HMO) network plan in which the person will be asked to choose a primary care physician (PCP) and will need referrals in case they want to go ask for a second opinion or see a specialist. With Plan 2 you will not have a deductible and you will pay $25 to go see your PCP and $40 for other doctors. Pharmacy coverage is divided once again into four levels for which you will pay $15, $35, $65 and $120 respectively. You will pay $750 for admission to inpatient surgery and $200 for outpatient. The only difference with Plan 3 is that you are required to have a deductible of $1,000, doctor visits will be $30 for a PCP and $40 for specialist and inpatient care would be subject to deductible while outpatient would be $300.

Top Ten Travel Nursing “Hot Spots”

The great thing about being a traveling nurse boils down to one key component – it’s about the travel! For those of us who love moving around and seeing the world, travel nursing is the profession of our dreams. There are many travel destinations available, based on weather, activities, cost of living, and salary. Therefore, I have gathered a list of my “Top Ten” destinations that nurses choose, based on the number of travelers who inquire about each location every month. Are you a travel RN scouting a new assignment? Then I’d like to suggest the following ten “Hot Spots”:

HAWAII – It’s no shock that Hawaii generates over 500 travel nursing inquiries per month. The wide range of outdoor activities from snow-capped mountains to snow-white sandy beaches elevates Hawaii to one of those meccas where you can build a snowman or a sand castle all in one day. Nurses tell me that you’ll discover virtually every type of outdoor activity imaginable–hiking trails that wind through erupting volcanoes, secret beaches, and lush green ranchlands. Many travelers also hunt, mountain bike, go rafting, and golf on some of the world’s most extravagant courses.

ALASKA – Travel nurses are intrigued by the possibilities of Alaska’s rugged mystery. Alaska is a huge wilderness with beautiful scenery, and travel nursing assignments offer plenty of time to see and do everything you want, whether in winter’s darkness under northern lights, or the glorious spring and summer where it’s light most of the time. Outdoor enthusiasts enjoy Alaska for its’ wildlife, spectacular natural landscape, and fishing expeditions where the fish really are as big as the stories about which they’re told. Countless day cruises and sightseeing expeditions abound, as well as opportunities to hike, kayak, canoe, ski… Need we say more?

MONTANA – Whether photographer, adventurer, or both, Montana is truly a state that beckons with open arms. River trips, fishing and camping, history, snowy mountain ranges, and waterfalls are what you’ll encounter, along with plenty of open space to explore. Assignments in Montana appeal to those travel nurses who just need some time to break away from their city grind to enjoy marching to the beat of an entirely different drummer. The Big Sky Country boasts some of America’s most famous mountains, canyons, river valleys, forests, grassy plains, badlands, and caverns, and many travelers find it just irresistible enough to keep coming back.

MAINE – Maine’s splendor has inspired artists like Georgia O’Keefe and three generations of the Wyeth family, since the mid-nineteenth century. Travel nurses can’t resist at least one adventure in this charming getaway. Whether you embark on outdoor adventures like skiing and snowmobiling, or if you prefer the cozy ambience of antiquing through charming villages or just strolling or riding horseback on miles of sandy beaches in the smell of salt air, Maine is legendary and offers some wonderful travel nursing experiences. Its’ unique culture is outdoorsy and quaint, and of course you get to enjoy lobster as the locals do–fresh from the ocean!

CALIFORNIA – Warm weather and world-famous beaches make California a favorite choice for traveling nurses. Nine-hundred miles of coastline gives nurses in all locations the chance to spend many hours near the waves; and for nature lovers, California is home to many wildlife parks, remote wilderness areas, and safe-havens for endangered animals. If you’re an excitement junkie, you can scout out a wide selection of theme parks; and no matter what your taste in music, concerts abound in every type of venue. Historic sites and museums invite, as do five-star restaurants and clubs in which to see and be seen. The shopping is unparalleled, whether it’s trendy Melrose Place, La Jolla, or the strand in Venice Beach; and of course it’s home to Hollywood, and, yes, movie stars. Whether northern, southern, or coastal locations, traveling nurses return to California time and again.

WASHINGTON – The Evergreen State boasts the gorgeous Pacific Ocean, the Cascade Mountains, desert experiences, rain forests, towering volcanoes, glaciers, and lush wine country. Washington State rates high on the list of many nurse travelers. Must-sees are the Space Needle and Coulee Dam. The culture here is incredibly diverse; sophisticated, outdoorsy, and loaded with resorts, history, parks, museums, and botanical gardens. Whether touring downtown Seattle for cozy antique and book stores, exploring ancient Indian grounds, or hiking and biking mountains or trails, Washington holds a strong allure for many nurse travelers.

SOUTH CAROLINA – Endless adventure, excitement, fun and exploration represent why South Carolina is always a favorite destination for travel nurses. America’s oldest landscaped gardens frame mansions rife with historical heritage, in addition to pristine beaches and legendary marshy wetlands. For all you golfers, with over 330 golf courses, there’s always a new place to swing your clubs. But what fascinates many traveling nurses is the rich heritage in which South Carolina has paved the roads of culture, art, and folklore in our past. You can visit several historical areas and discovery centers of American history, including the American Revolution and the Civil War.

COLORADO – World-class winter skiing and summer music festivals in the mountains are just two reasons that nurses love traveling to Colorado. Boasting four spectacular seasons, Colorado is where travel nurses get to explore the state’s 18 million acres of state and national parks, forests, and monuments for biking, hiking, fishing, mountain climbing, and kayaking, to name a few. Colorado has many cultural treasures, including ancient Native American sites and dinosaur fossil exhibits, historic ghost towns, and even award-winning vineyards in Grand Junction. And for those who enjoy city life, amid all this natural beauty lie wonderful metropolitan areas like Denver and Boulder, full of shopping, performing arts, and professional sports.

TENNESSEE – From energetic nights of blues on Beale Street, to gorgeous rolling acres of Tennessee Walker horse country, to peaceful Smoky Mountain sunsets, Tennessee is a vacation that offers many world-renowned attractions. Nurse travelers who visit Tennessee will find that they’re within a day’s drive of 75-percent of the U.S. population via quality interstates and highways. Attractions in Tennessee include the Jack Daniels’ distillery, Elvis’s Graceland, the Grand Ole Opry in Nashville, and lots of southern hospitality. And don’t forget the crown jewel of the southern Appalachians, the Great Smoky Mountains National Park.

ARIZONA – If you adore the outdoors, then the Grand Canyon State might just be for you. The nurses who go there just rave about Arizona’s landscape which takes in tall mountain ranges, swift rivers, grasslands, sand dunes, and cactus forests all set against a beautiful sky that glows pink in the sunset. The traveler nurses who enjoy history will find plenty of it here, including Old West reformations, Native American nations, and Spanish-influenced areas all in one state. Arizona is also home to the nation’s greatest golf courses, resorts, spas, cabins, and ranches.

As you can see, limitless possibilities exist for those nurses who want travel, fun, and adventure to be part of their daily lives. If you’re a nurse who travels and it’s time for you to move on to a new location, try one of these top travel nursing destinations and see what new experiences lie ahead.

How to Compare Low Cost Long Term Care Insurance in Arizona

When comparing low cost long-term health insurance, Arizona residents must compare facilities on an apple-to-apple basis. To compare an Assisted living facility to a nursing home, will do nothing but frustrate you and may be the cause of making an uninformed decision. Below we’ll discuss the differences of a few of the long-term care facilities. This is by no means an exhaustive list. Do your research to find out all of the different types of long term care facilities to help you to make an informed decision:

1. Adult Day Care: This type of care provides health-monitoring services such as checking blood pressure, ensuring the patient is getting adequate amounts of food/liquid. They also ensure brain stimulation by engaging the patient in social activities and physical activities. If necessary they will help with personal hygiene performing tasks such as helping with bathing, shampooing, shaving and toileting.

2. Assisted Living: Assisted living facilities provide help for people that require assistance with their daily living activities, but do not require 24 hour 7 day a week help. In essence assisted living is the step in between living at home and moving into a nursing home full time. Depending on the facility, some of the services provided are cooking, bathing, laundry, dressing, housekeeping and medication.

3. Hospice: Hospice provides services to patients who are terminally ill. Hospice provides pain management, medical care, spiritual and emotional support. These services may be provided in the patient’s home or in a facility. Hospice’s philosophy is to make the patient’s final days pain free, lived with dignity and provide the best quality of life as possible.

4. Nursing Home: Nursing Homes are in house facilities that provide both recuperative and non-recuperative long-term care. Although generally considered a place for the elderly, nursing home patients may range in age from young to old. These facilities provide 24-hour care for patients who are unable to care for themselves whether it is a result of aging, illness or physical disability.

Medical Payments Coverage in Arizona Auto Insurance Policies

Understanding the medical payments coverage in Arizona auto insurance policies can seem tricky. Most insurance companies come with several different and optional plans to choose from and buy. Medical payments is just one of those options. Having medical payments is highly recommended, but not mandatory to have on your Arizona car insurance policy.

Arizona Medical Payments Coverage Explained

Medical payments pays for medical expenses in the event that you and those in your car are in an accident. It can also pay for your family members who are riding in another vehicle, or walking down the street. It is completely optional for Arizona policy holders, but is highly recommended because it pays for hospitalization, medical and dental treatment, funeral expenses, prosthetics, and/or nursing services.

Do I Need Medical Payments Coverage In My AZ Auto Policy If I Already Have An Arizona Health Insurance Policy?

If you already have health insurance, having medical payments coverage on your Arizona auto policy may be unnecessary because your health insurance should cover the same events. Of course this is something that you should discuss with your insurance agent to be sure.

It is always better to be safe than sorry when it comes to you and your family’s protection. If you don’t have health insurance and are looking for a good way to protect yourself in the event of a life-threatening accident, medical payments would be an excellent option to put on your Arizona auto policy. It’s a relatively cheap way to increase your protection on the road so be sure and ask your agent how much this optional coverage will cost to add on to your policy.

All you have to do to start finding out just how cheap your medical payments coverage on your Arizona auto insurance policy can be is to get started comparing rates!

Crazy Ladies – Woman Sent to the Arizona Territorial Asylum For the Insane For Nebulous Reasons

The Arizona Territory was the promised land for the young, the ambitious, the lawless, the temperate, the opportunist, and the daredevil. They arrived by trusty steed, shanks’ mare, or horse and buggy to carve a future in the hostile desert. A man’s vista was boundless.

Women, however, were pawns in a game of jeopardy. Their employment opportunities were limited to serving men in want of cooked meals, clean rooms, laundered garments, and recreation that women-starved males crave. An occasional spinster teacher or nurse ventured into the Territory, but the bulk of the female population fell into two camps: respectable matrons and all others.

Regardless of social status, these pioneer women were second-rate citizens, unable to vote and protect themselves against evil lurking in the hearts of men. The wise woman conducted herself with decorum. If married, she tended her household dutifully, obliged her family’s needs, and behaved modestly. Until 1886, the depressed, the nag, the afflicted, and the religious zealot were tolerated, burdens to the men they served.

But the opening of the Territorial Asylum for the Insane in Phoenix offered a diabolical alternative. Freedom from financial or emotional responsibility for a bothersome female was but a petition away. Woe be, thereafter, to women who roiled the waters either by design or disposition.

I learned of the horrendous treatment of women in Territorial Arizona by examining Applications for Commitment housed today in the Arizona State Archives and Public Records Office of the State Capitol. They document the incarceration of women whose depression and various stages of unbalance would be managed today with out-patient therapy and prescriptions.

Petitions for commitment were easily filed by any relative, friend, Territory official, or casual acquaintance. Within a single day, the subject could be apprehended, examined by court-appointed physicians, and delivered into the belly of the Asylum by a presiding judge. Records reveal that women whose behavior was influenced by pregnancy, the menstrual cycle, or menopause were victimized by family and physicians with a medieval understanding of normal female body functions.

Maria de la Bosch, 22, was judged to be insane by her husband, Arthur. The doctors agreed. They committed her on September 8, 1909 for depression from pregnancy and “lack of interest in things about the house.” In an earlier similar case, Joseph Dobson sent away his wife, Mabel, 38, on September 6, 1904, supported by the doctors’ evaluation that her depression and rambling speech were caused by childbirth. According to a marginal notation, she muttered throughout her examination that she “was going to Hell.”

And she did. Some women sent to the Asylum were short term inmates, while others survived months, even years, in dank cells, their ultimate tombs. No matter the term of confinement, all endured rough handling by unsympathetic attendants and an incessant cacophony of moans and piercing screams from fellow inmates.

Many women committed for mid-life depression owed their misfortune to exterior causes, not physical change. Two months after moving to Phoenix from New Mexico, Julie Barfoot, 41, was committed on June 28, 1911. The signs of homesickness she exhibited were interpreted by her husband, Malcolm, as “losing her mind.”

Anna Anderson Brown, 39, born in Sweden, had lived in Arizona four years when her husband, Jackson C. Brown, lost patience with her melancholy behavior. The doctors confirmed that she “cried and talked of wanting to go away to see her sister,” but they committed her on November 25, 1910 without addressing the homesickness and concern for distant family members that precipitated her depression.

Homesickness for Colorado caused the downfall of Betty Ann Hickman, 37, whose husband reported the onset of “mental attacks” and “irrational behavior” three months before he requested her commitment on June 29, 1903. Although the doctors observed nothing unusual during their examination, Betty’s husband left the courtroom free from a complaining and tearful wife.

Garrulous women fared no better than their melancholy sisters. Minnie Zion, 31, went to her doom on December 21, 1908, just in time for her husband, P. L. Zion, to celebrate Christmas and the New Year in footloose fashion, free from her “constant talking.” Likewise, Minnie J. Blount, 47, chattered her way into the Asylum. “Minnie talks incessantly…is very nervous, and does not sleep well,” complained her husband, F. A. Blount. The cause, he opined, was “mental worry.” Rather than address its source, the doctors ordered her committed on December 13, 1909. Exactly one month later, on January 13, 1910, J. A. Kitcherside, Medical Superintendent of the Territorial Asylum, signed Minnie’s death certificate. He listed the cause as “cardiac insufficiency.” Did she smother to death while being held down by brutal attendants? Tales of such mistreatment flourish.

Annie Ellis, 35, worked as a laundress to help pay for the family home and lot. Despite her financial contribution to the household, her husband complained that “she does not take care of the house or child and rambles about at all hours of the night.” Even though the doctors noted that she “seemed to be rational,” she was committed on March 22, 1909. A note in her file dated May 5, 1909, states: “…patient expired at Arizona State Hospital while awaiting conditional discharge.”

Exasperated because his wife Clara, 32, became morose during her menstrual periods, E. A. Strong petitioned the court to commit her, testifying that she was not dangerous, but sometimes went without eating or sleeping, “talked in a rambling and incoherent manner,” and whipped her oldest girl “…at times very severely and without reason.” Clara entered the Asylum on December 23, 1902, assuring her husband a worry-free holiday. On April 4, 1903, Dr. W. H. Ward, Medical Superintendent of the Territory Asylum for the Insane, signed a death notice stating that Clara died at the Asylum on April 2, 1903 of “exhaustion from acute mania.”

Lizzie Bowen, 40, whose husband Robert complained of her melancholy and “fits of violence,” told the examining doctors that she believed she was being poisoned. The doctors observed her to be quiet and in fair health without signs of the violence her husband reported, but instead of investigating her assertion that he was trying to kill her, they ordered her committed on March 15, 1906.

Ida Tompkins, 45, was nervous and sleepless, symptoms of menopause. George, her husband, cited “lactation and debility” as further proof of insanity. The judge, noting that George “has means” to pay for her maintenance, committed her on May 11, 1905. George Tompkins and other men of means had little difficulty persuading the doctors and judges to put away irksome women. For instance, H. Wupperman petitioned that his daughter, Gracie, 17, had “nervous prostration,” a nebulous ailment frequently attributed in the court documents to unmanageable women. “She talks incessantly,” the doctors wrote, “and thinks her father is losing his mind and needs looking after.” Could Gracie have been the sane family member? No matter, her father willingly paid her Asylum expenses. She was committed on July 18, 1904.

Maida V. Nelson, 19, traveled to Arizona early in 1908 to live with her married sister. Five weeks later, Elijah Allan, her brother-in-law, had endured enough of Maida’s presence to petition the court for her commitment. He declared, “She is very absent-minded, cannot carry on a long conversation, refuses at times to eat, and would wander off and become lost if not watched.” He attributed these traits to cessation of her menses, a trauma he blamed on her father whom he regarded as “a peculiar man, studying and

thinking abnormally on religious subjects.” The examining doctors found Maida to be quiet and orderly, but cited gradual deterioration of her memory as reason to commit her.

The medical examiners who correlated behaviors typical of pregnant and menstruating women with insanity also erred in sorting out those with true physical ailments. Sadie Vaughn, 33, was arrested by Special Deputy Ike Ford after an attack of “nervous prostration.” In his petition, Ford wrote, “(Sadie) has no mind of her own, talks in an irrational manner, and is subject to fits of complete collapse.” Sadie was committed February 4, 1905 by court doctors who observed her to be “…very filthy, noisy…and an epileptic.”

Like Sadie, Ola May Farley, 18, was an epileptic. Her father, John Farley, stated that she threatened to kill herself and others, possessed an uncontrollable temper, and had epileptic fits. The examiners found her to be in good physical condition, clean, and quiet, but committed her on December 3, 1906, citing her “inability to remember things.”

Dolores Latusmado, 29, a Mexican domestic, appeared before the court on petition from Deputy Sheriff Oscar Roberts who arrested her because she “is an epileptic, is not all right, will not care for her children, and does not sleep.” The doctors noted that she “does not answer questions intelligently.” Could language have been a barrier? They committed her on February 1, 1904 because of “monthly epileptic attacks,” her tendency to become “hysterical at mention of husband or children,” and constant crying.

Cordelia Ivy, 23, was committed in early 1903 following her father’s complaint that she had wandered away from home and talked in an irrational way for fifteen years. The court doctor observed, “Cordelia seems to be deaf…does not seem to understand all that is said to her,” and “has fits of temper.” Like other women suffering from epilepsy or deafness, Cordelia likely spent the rest of her days in confinement.

While most unwanted women were sent to the Territorial Asylum by husbands and fathers, some had meddling friends to blame for their incarceration. Maggie Black, 36, made the mistake of confiding to William Dohency that she suspected her husband of indiscretions while he was away from home working at Mammoth Mine in Pima County. In his petition, Dohency declared that Maggie “talks incoherently at times” and “is unable to take care of herself and her children while her husband works out of town.” The doctors noted that Maggie “had muscular twitching, want of coordination,” and talked of expecting “her ranch to be burned and her children killed because her husband is untrue.” Concluding, “in our opinion this is temporary,” they committed her on April 26, 1906, giving her husband all the more reason to carouse.

Charles E. Hazelton petitioned for the commitment of his friend, Louise Miller, 33, on the basis of her “incoherent talk, nerves, poor sleep habits, and fear of her divorced husband.” In the presence of the court doctors, Louise “was nervous and prayed, walked about combing her hair, drinking large quantities of water, and speaking of things she saw.” On December 16, 1909, her ex-husband ceased to be her primary fear.

Numerous women became familiar with the Asylum on a revolving door basis. Carrie List, 50, was the subject of two separate commitments, the first on February 3, 1904 when her son, John List, told the court she took poison and threatened to kill her husband. He attributed her behavior to “irritation in home life.” The doctors remarked about her “tremendous good appearance,” yet sent her to the Asylum. Her release the following year was short-lived. On November 18, 1905, a friend, J. Holley, petitioned for her re-commitment. “She is excitable and talks insane,” he reported, expressing astonishment that “she has left home and refuses to return,” and threatens to “throw her mother-in-law out of the house using force, if necessary.” The doctors, concurring that Carrie “is erratic and very talkative,” punished her for acting up before the over-bearing husband, ungrateful children, and spiteful in-law.

These representative victims of ignorance were mere blips in the early history of the Arizona Territory, the promised land, whose lawgivers tacitly condoned disposal of troublesome women to the insane asylum. Today the State of Arizona ranks second nationally in domestic violence-related murders of women by men.

Arizona Housing Stats – Not All Doom & Gloom

Everyone knows that the number of homes on the market is at an all-time high in almost every community in the state. But, did you know that our population growth continues to increase at the same rates it has for years? So why the glut of homes on the market?

The current oversupply is being driven by a couple of issues. First and foremost, a lot of people inside and outside Arizona got very greedy when prices started to increase rapidly in 2004. (See the chart for reference.) Homes suddenly became a hot trading commodity instead of places for families to live. Like a stock market bubble, the value of a home was suddenly being driven by what you could sell it for next month, not what it was worth as shelter and a long-term investment for a family. This buying and selling frenzy drove prices through the roof. (if you will pardon the pun.) When this activity caused prices to reach a ceiling, the whole get-rich-in-real estate crowd was caught with a huge inventory of houses that no longer could be flipped for a short term profit. That’s a large part of it.

The run-up in prices far exceeded wages being paid here. Arizona’s median income is lower than the national average by more than $10,000 per year. All of a sudden, a median income didn’t qualify for a median priced home. Many people already living here or moving into the state were literally priced out of the market. Their incomes simply could not support the mortgage necessary to buy a house here. When we look at affordability issues, a family buying a $250,000 house needs about $35 per hour in gross income to qualify for the resulting mortgage payment. In many communities, a nurse married to a fire fighter don’t make that much money combined. This fact left many more unsold homes on the market.

With the government insisting that everyone has an inalienable right to own a home, (as opposed to an inalienable right to EARN one) the mortgage banking industry kept coming up with more imaginative ways to get people into homes. Many of the resulting loan programs were just plain wrong for the average working guy and gal. The result, more homes going on the market because the home owner couldn’t really make the mortgage payments he signed up for. Some “Stated Income” program that allowed or encouraged him/her to lie about how much money he/she made wasn’t a good idea and it quickly became evident. Both the banker and the borrower are equally at fault in this case. If the borrower lied to get a house he couldn’t afford, he/she deserves the foreclosure on his/her credit. If the bank designed a program that they knew would be abused, they deserve the loss they are going to take on the foreclosure. (adding yet more homes on the market.)

Once the foreclosures started to rise,and Wall Street saw the weakness of these “science fiction” loans,the mortgage banks started returning to sanity in their lending policies. Now we have a situation where more homes than ever are on the market and fewer people can qualify to buy them. This is not necessarily a bad thing except in the short term. If there are too many homes on the market, prices will come down. if the banks are making loans to qualified borrowers, the foreclosures will go back to normal levels.

In Arizona, we have very low unemployment, a growing economy, great weather, and a great lifestyle. People are still moving here in huge numbers. This real estate cycle is well into its correction phase and will start to turn around very soon. Is it a good time to sell a home? Probably not. Is it a good time to buy? If you have normal loan qualifications, it’s a great time to buy. Prices will never go back to 2003, but they are falling off the all-time highs reached in 2005. There is plenty of money available at great rates if you qualify under normal guidelines or are a first time home buyer.

This article wouldn’t be complete without a plug for our niche in the housing market. Manufactured homes remain very affordable homes in Arizona. Every day, we are handling applications for loans on homes in the 1100 to 1700 square foot range with prices from $85,000 to $185,000. Mortgage rates for qualified buyers remain under 7% for long term fixed rate loans that have no surprises built into them. Think about it.

How to Save Money and Get Discount Long Term Care Insurance in Arizona

Although Arizona residents are taking better care of themselves by eating better and exercising more, they still have to think about preparing for their senior years. Most people do not entertain the thought of requiring long-term medical care until there is an imminent need. At that point, decisions are more difficult to make because time is of the essence and emotions may cloud an otherwise business decision.

Just like making preparations for a will, long-term care is better to have and not need than to need and not be prepared. Let’s face it; everyone is just one unforeseen accident away from potentially needing long term care.

Long-term care may last anywhere from a few months to several years. The costs associated with the care usually are more than what the average Arizona resident can handle out of pocket. Therefore, it is necessary to look for alternatives.

If you have sizeable assets, it would make sense to protect them from being squandered away paying for long term care. If you don’t have sizeable assets, more than likely you are unable to afford to pay out of pocket for such care thus making it necessary to purchase insurance.

Being aware of money savings associations will make the search for affordable long-term care possible. Here are a few associations available to Arizona residents that may make their search for long-term care easier and cheaper:

1. Arizona Health Care Association (AHCA). They provide information about nursing homes and assisted living centers. They are touted to be the state’s largest professional long-term care advocates and association.

2. AARP: Offers information about discounts to residents over the age of 50

3. Arizona Health Care Cost Containment System (AHCCCS): Arizona’s Medicaid program.

These are only a few of the many programs available in Arizona. For more information, contact the Arizona Department of Insurance. Being knowledgeable is key to getting the best rate and discounts when shopping for long-term care.

My recommended sites.

Arizona Long Term Care Insurance – 5 Things To Look For Before You Buy

1. Arizona long term care insurance: Look for a guaranteed renewal. Folks sometimes grow so old or have physical/mental deterioration and this makes insurance companies refuse to renew their policy. With a feature like this an an insurer can’t do that to you.

2. A non-forfeiture benefit is a really important component you shouldn’t do without in your Arizona long term care insurance policy. This is since it ensures that you still get paid a good percentage of your benefit even if you terminate the policy or let it expire inadvertently (Such happens quite frequently with older individuals).

3. Is there any feature in your Arizona long term care insurance policy that guarantees your benefits are untouched by inflation or possible increase in the cost of long term care? If there is, how is it applied and what is the rate used? An example of this kind of provision is an inflation adjustment provision which promises that the benefits an individual receives later in life is in line with the cost of long term care then.

4. Arizona long term care insurance: You will safer if you understand what the terms of their benefit payout are. It’s very advisable that you know what benefits they pay out per day for different settings. What do they pay, for instance, per day in a nursing home? Also find out what it will be if yours ends up being assisted living at home. Do you know their maximum lifetime limits if they have such limits? You won’t receive any benefits exceeding what is spelt out so be sure that you understand this very well.

5. It is also essential to verify if an insurance company is licensed to sell long term care insurance in Arizona. After confirming if they are licensed in the state also check their standing. Use institutions such as BBB, A.M Best Company, Phelps, Inc., Standard & Poor’s Insurance Rating Services, Moody’s Investor Services, Inc. and more to determine how favorable their ratings are.

By the very nature of recipients of long term care, it’s tough for them to claim their rights making it quite important for their insurer to be such that really takes care of its policy holders. You won’t like yourself or family to be stressed because an insurer doesn’t want to fulfill its part.

How to pay far less for Arizona long term care insurance…

Get and compare Arizona long term care insurance quotes from up to five or more quotes sites. I recommend that you visit at least three quotes sites as it will ensure you do not miss out better quotes not given by the other sites. This gives you a broader basis for doing better comparisons thereby increasing your chances of getting more for less. Savings of over $2,000 are not uncommon just for doing this well.

Phoenix Arizona Long Term Care Insurance

Why you need to learn about Phoenix Arizona Long Term Care Insurance!

Residents of Arizona pay for health insurance, auto insurance, home owner insurance and life insurance. The already stretched household income pays for a roof over your head, food on the table, and the car payment. You may even be fortunate to stick away some money for retirement. There are miscellaneous expenses such as toiletries, clothing, entertainment and maybe even a movie or two. We are not even mentioning the costs associated with raising children if you have them.

The average household budget is already stretched to the max. How then is it possible to afford even more insurance?

A lot of life is about planning. And planning for the future is a pretty good idea. That is why it is prudent to consider Phoenix Arizona Long Term Care Insurance. Your budget may be tight. How much tighter would it be if you became too sick or injured to work?

There is a product called that can pay the costs associated with a nursing home, assisted living facilities and home health care (a nurse who comes to your home).

Phoenix Arizona Long Term Care Insurance

An injury or illness could cause anyone at any age to need long term care. But generally we think of long term care for the elderly. The cost of a private room in a nursing home is fast approaching $70,000 per year. The average stay in a nursing home is over two years. That’s a lot of money.

For most of us, we want to pass money to family and children. We work hard to have a home and to eventually pay that home mortgage off completely. We throw money into an IRA or 401k and hope it grows substantially.

It’s because of those assets that we should want to consider buying long term care insurance sooner, than later. LTC insurance is very costly in our old years. The premium locks in at the age you buy it, making it a good idea to consider it in your 50’s and 60’s, not later.

A person who buys Arizona Long Term Care Insurance in their 50’s will typically pay LESS than someone who buys in their 70’s, even though they pay premiums for a much longer period of time. That younger person simply locked in a much lower premium (though premiums can rise in LTC policies).

In Arizona, visit this website for a low cost quote on Arizona Long Term Care Insurance: Arizona Long Term Care Insurance [http://www.phoenix-life-insurance.com/], or call (480) 659-0229.

Gary Brown is principal owner of Choice Insurance of Arizona. He has been serving Arizona residents for AUTO insurance, HOME OWNER insurance, LIFE insurance, and LONG TERM CARE insurance for 14 years.