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Wyoming Insurance

June 24th, 2011 2:54 am

The national economy has wobbled due to recession; Wyoming, despite of its economic problems, continues to provide sufficient and human health services for its residents, especially the elderly. Although there were budget cuts from Medicaid, it did not hamper the state from strengthening long term care programs.

Senior population comprises 12 percent of the state’s total population. There are nearly 95,000 seniors age 85 and above– the age group that will require long term care services. It is estimated that the senior population will by 126 percent by 2007 – 2030, which puts Wyoming on 4th spot with the highest senior growth rate.

All types of settings for long term care in Wyoming are expensive. In Cheyenne, the median annual cost for a private nursing home room costs $74.460; in Casper, it costs $70,445. The cost throughout the state is $63,875.

The median annual cost for a private room in assisted living setting typically run from $32,880 to $38,400. Casper’s costs have increased by 15 percent over the past five years, while only 5 percent in Cheyenne. The total statewide costs have swollen to 6 percent a year over the past five years versus the national annual median costs of 5 percent. A private room in an assisted living for the national level is $33,903.

Seniors who opt for home care should also expect to pay around $17 to $28 — the median hourly rate for non-Medicare certified home health aide. Residents of Casper are unlucky as their state has the most expensive rate of $28, while cost in Cheyenne and the rest of the state is only $18 per hour. The national hourly rate is $18, which is 2 percent increase annually over the past five years.

The adult day care has daily median rate of $52 in Casper; however, the rates in Cheyenne are unavailable. The rest of the state in Wyoming has median cost of $39, much lower than the national rate of $54.

There are almost 82,000 Wyoming residents relying on Medicaid, seven percent of which are seniors age 65 and above. However, the state Medicaid allocates only 14% budget for long term care for seniors under home and community-based settings. Long term care services are very crucial for elders because it will help them perform activities that a frail adult is incapable of doing. However, the insufficient funding from Medicaid adds burden to people, as they will be forced on the spend-down requirements of Medicaid for long term care eligibility. Medicaid does not exempt the person from paying the services because it won’t cover all the expenses, and it has strict rules in qualifying recipients.

Recently, the state of Wyoming implemented the long term care partnership program that aims of encouraging residents to purchase LTC policies. The program serves as reform in improving Medicaid’s support for long term care and bolstering the health care for the elderly. This program is strictly implemented in all participating private insurance policies. Just like other partnership policies in some states, the Wyoming partnership policies provide benefits namely asset disregard, inflation protection, tax qualified and reciprocity agreement. The asset disregard is the most-sought benefit feature of partnership policies. This allows people to apply for Medicaid coverage without depleting theirs assets to meet the asset li

Wyoming Fly Fishing Trip

June 11th, 2011 3:06 am

For those who are interested in planning a Wyoming fly fishing trip, there are several things that you will want to keep in mind. First, there are several regions that are good for fly fishing in Wyoming. Before you pick your fly fishing spot, you should check the latest conditions and trends in the area to ensure that you are selecting the best fly fishing hole for your needs in this state. Also, you will want to make certain that you can catch the type of fish that you are after when you are planning your trip.

The majority of people going on a fly fishing trip in this state will be after the large trout, bass and steelhead. Depending on location, you may have good or bad luck with any of these different types of fish, which is why it is important to check the Wyoming fly fishing conditions prior to planning and leaving out on your trip.

One of the particularities of Wyoming fly fishing is the fact that for most years, there are down periods across the region. It is very rare that fishing will be maintained in the region universally for the entire season. Because of this, you may want to consult a particular fly fishing tour guide to find the holes that are currently active to prevent an unsuccessful fishing trip. Also, conditions such as glacier melt off and spring floods will affect the quality and quantity of the fish that can be found. This is particularly notable in the Yellowstone region, where glacier melt off can drastically change the water levels in the early spring.

One of the most noted fishing holes for fly fishing is the Jackson hole and its surrounding region. This accounts for a large portion of the Wyoming fly fishing, and is often the hot spot for tourists to go to. However, even when the Jackson hole is low, there are many other Wyoming fly fishing holes that you can go to, including Yellowstone and South Fork.