Monmouth Beach, New Jersey (PRWEB) December 23, 2011

The team at Marchetti & Sabatelli Associates, Inc. knows that with home heating costs so high, many local residents may be looking for ways to cut their expenses. As experts in NJ homeowners insurance, the staff at Marchetti & Sabatelli often encounters homeowners who have had to file claims on their home insurance policies due to accidents that occurred when they were trying to heat their home. In order to help local residents stay warm safely and affordably this winter, the experts at Marchetti & Sabatelli Associates would like to offer the following home heating tips:

When using the home furnace, lower the thermostat 3-5 degrees unless it would have a negative impact on the residents health and turn it off when not home. This can help save up to 30 percent on heating costs.
Homeowners should check furnace filters every month during the heating season and clean or replace the filter when necessary in order to reduce the risk of overheating or igniting a fire.
With NJ homeowners insurance, local residents do not have to worry about the financial implications of a home heating disaster, but they should still take steps to avoid such situations by refraining from blocking heating outlets with furniture or other objects.
Avoid using space heaters. If these must be utilized, ensure that there is a 3-foot clearance around the devices so that they do not ignite drapes or other fabrics.
Open the drapes or blinds during the day and let the sun help warm the home. Close drapes or blinds at night to keep the warmth inside.

As experts in NJ homeowners insurance, the agents at Marchetti & Sabatelli want to ensure that local residents stay safe and are able to put their hard-earned money toward their holiday gifts instead of toward their home heating bills. Of course, taking steps to avoid a heating-related accident could also save people money in the sense that they will not have to pay those insurance deductibles!

About Marchetti & Sabatelli Associates, Inc.:

Marchetti & Sabatelli Associates was formed in September 2000 by joining two established insurance agencies run by owners who collectively have more than 75 years of insurance experience. The agency was founded on a mutual philosophy of personal, professional service. As a full-service insurance agency, Marchetti & Sabatellis staff of insurance specialists service over 4,000 clients. The agency utilizes a state-of-the-art computerized rating and management system to offer a comparison of rates and coverages from several companies and enable its staff to instantly create the insurance documents clients need.

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Chicago, Illinois (PRWEB) December 02, 2011

Hildred is 99 years old; like most people her age, she has medical conditions. Arthritis, hypertension, macular degeneration, hyperthyroidism and the most critical, congestive heart failure (CHF).

But when you visit her, youd never know it. She fills her bird feeders outside her beautiful apartment in Windsor Park, a Covenant Retirement Community and takes daily walks around the grounds. She writes poetry, creates artwork that adorns her walls, is still active in the book club she started, and has lunch and dinner with friends.

She doesnt look, or act, her age; more like someone at least 20 years younger.

What has kept Hildred from being admitted to the hospital, where the average Medicare cost of treating CHF is $ 20,000, is a small care team her daughter, a doctor who didnt just automatically admit her when her CHF symptoms worsened, and a nurse and nursing aide who manage and monitor her medications and overall health conditions every day. Her home care typically costs $ 152 per week.

If everyone had care like this, Medicare estimates its savings from hospital readmissions alone would be $ 17 billion annually. In fact, it is now rolling out a national program that will support better communication among aftercare providers and, starting next year, penalizing hospitals that underperform on hospital readmission rates. (See related fact sheet: http://www.covenantcareathome.org/resources-news/press-releases/home-health-care-a-cost-savings-solution-for-medicare-senior-rehospitalizations/)

I think Ive done it myself, says Hildred, the very independent former teacher, mother of two, grandmother of four and great grandmother of five, when first asked how shes been able to stay out of the hospital. But then, she admits, Well, I have to give the nurses some credit. If there is anything wrong, theyre onto it immediately. They come to my apartment every day and also call me. They have been very good in keeping a relationship with how Im feeling and noticing things that may need attention.

CHF is a chronic illness, one of three leading causes of hospitalization among the elderly. It goes from stabilized to recurrence of symptoms very rapidly, explains her registered nurse, Rosann Forni of CovenantCare at Home.

In April, Rosann noticed that Hildred had shortness of breath, swelling in her legs, fluid retention and changes in her blood pressure. She immediately contacted Hildreds daughter Carol, who lives an hours drive away, and then her physician, Dr. Kenneth Ha.

When she came in, I suspected CHF and confirmed that, explained Dr. Ha. We could either admit her to the hospital or try to treat her as an outpatient. In cases like this, hospitals can be almost counterproductive at times. For the geriatric population, there can be issues with increased confusion of the patient, and a prolonged stay can lead to physical problems and the risk of infection. So, initially I decided to treat her with medications.

Dr. Ha said that having home health care was ideal for Hildreds situation. For the next month or two, there was a good amount of going back and forth with Rosann, adjusting Hildreds medications and monitoring her conditions every day.

In fact, says Dr. Ha, Medication monitoring is huge in treating the geriatric population. At first, patients are resistant to having help because they want to retain their independence. The first step is getting them to realize that they need someone to help them. Otherwise theyll say, Ill take care of myself now; Im not going to pick up the phone and call you. But they could be very sick.

Dr. Ha relies on home health care to monitor his patients. I just feel like its almost impossible to deal with elderly patients the way you should without it. Rosann is my eyes when I cant be there, he said.

Hildreds CHF is in remission now. This has enabled her to stay in her Windsor Park apartment, where she has lived for 22 years. Of course, you want to stay in your own home, she says. And, countless studies show that the elderly recover faster and enjoy a better quality of life if they are able to stay at home.

It is a wonderful life here at Windsor, she concludes.

One that her healthcare team is committed to maintain.

About CovenantCare at Home

CovenantCare at Home is a non-profit, Chicago based, Medicare-certified Home Health, Hospice, and Personal Care healthcare provider. It is affiliated with Covenant Retirement Communities (CRC), one of the largest networks of residential communities for seniors in the country. CovenantCare is also a medical partner to hospitals, physicians, and residential care facilities to provide Medicarecertified skilled healthcare, personal care and hospice services with a focus on patient-centered care and teamwork among all medical providers.

CovenantCares services are grounded in a 125-year Christian heritage of service and healthcare outreach. For more information about Hospice of CovenantCare and Covenant Care at Home, visit http://www.CovenantCareatHome.org.

Media Contacts:

Don Ingle: 1-630-710-8091

Valerie Budach: 1-773-878-4371 (office); 1-773-850-9952 (mobile)

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