The critical-care nurse has the role to help the patients who need the difficult assessment, the high intensity therapies, and continuous care. This nurse will need special knowledge, skills, and experience to give the patient and the family’s member the right treatment. It is also important that a critical care nurse can create the right environment to help the patient so the patient can be healed. To make it simple, the critical care nurse is the patient’s supporter.The Critical care nurses can fill various roles from the bedside clinicians, nurse educators, nurse managers, until nurse practitioners. The job of the nurses now is not only to treat the sick patients.If you become this nurse, you will work in the various fields like the adult, pediatric, and even the neonatal nursing practice. You will find the nurses in the area with critically ill patients such as in the intensive care units (ICU), pediatric ICUs, the cardiac catheter, telemetry units, progressive care units, emergency departments, etc.There will be a critical-care training course that you must take before you become a critical care nurse. The training course will provide you the information and the knowledge you need to treat the critical patients. It is even better if you take the certification since some employers prefer to hire the certified nurses. The certification refers to the higher level of knowledge and has more specialty practice experience.Related to the job, the nurses are educated with the knowledge beyond their basic education as the RN or the Registered Nurse. The advanced knowledge is a must since they face the critically ill patient and the family’s member which have more needs than ordinary patients.As it stated above, before you can be critical care nurse, you must be a RN or Registered Nurse. However, the requirement is different from country to country. You can see the student’s exposure in many nursing schools. Becoming a RN, it means you will need to get BSN or Bachelor Degree in Nursing and pass the exam for the national license.
While it is true that the quirky Aflac duck has brought awareness to consumers about supplemental insurance, many individuals are not clear what it is and if they need to have it. Supplemental insurance, put simply, is insurance that provides additional financial benefits to the policyholder that traditionally fall outside the realm of a typical health insurance policy. Aflac’s “specified health event protection” plan, also packaged by other companies as a “critical care” plan, is an insurance plan that pays the insured for benefits such as hospital and intensive care confinement; major organ transplantation; ambulance costs; waiver of premium benefits and transportation and lodging compensation as needed during the treatment of a critical illness. If the medical facility is within a certain mile radius of a policyholder’s home, often the insurance company will pay a small per mile fee to the policyholder for traveling expenses for extended treatment. Each company’s policy varies so it is important to ask questions and read the brochures thoroughly to see what benefits are actually covered in the plan you are considering.Anyone that already has a health insurance policy will already have coverage for the medical expenses incurred from a debilitating accident or illness. But the health insurance policy, of course, does not include the various expenses associated with a patient’s long-term care. So, who needs a critical care policy? Let’s take a closer look to see if a critical care policy would be advantageous for you.First of all, a critical care policy provides a layer of financial protection beyond the conventional health insurance policy much like a savings account protects an individual’s checking account balance. If an individual inadvertently overdraws the checking account, then the bank uses funds from his/her savings account to protect the consumer’s buying power. Likewise, when medical bills are mounting due to a serious medical condition, the insurance company releases funds directly to the consumer rather than to the hospital so that the insured is free to pay incoming medical bills or other expenses related to the medical condition. An insured could actually take the funds released to him/her from the supplemental insurance plan to help pay the mortgage or to buy meals at the hospital. In this way, the supplemental plan bridges the gap between a traditional health insurance policy and actual expenses occurred.Secondly, unlike a conventional health insurance policy, an individual’s “critical care” policy is guaranteed renewable each year. Therefore, once diagnosed with a condition, such as end-stage renal failure, at policy renewal time, the insurance company guarantees to renew the individual’s policy in spite of the mounting medical bills.To determine if a critical care insurance policy is right for you, take a personal inventory. Is there a history of chronic health problems, such as heart failure, stroke or cancer? (Please note that some policies do not include cancer as a covered peril. Aflac, for instance, sells a cancer policy separately that provides benefits that are specifically geared toward the medical procedures related to cancer treatment.) A history of chronic illness is a good indicator that critical care insurance may be an excellent option for you.Next of all, consider your personal finances. Do you have the discipline to set aside money monthly to cover long-term medical care due to critical illness? And do you have an adequate income to prepare for such an event? Costs for a year of nursing home care can range from $50,000 and higher. A part-time aide can cost as much as $10,000 per year. That is a year’s salary for many individuals.And finally, get at least three quotes before you purchase a policy. Compare the policies to be sure that the premium you will pay covers your greatest medical and financial needs. Don’t forget to factor your age into the equation when deciding if the monthly premiums will eventually pay off to your benefit.