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Don’t leave the doctor sicker than when you came in

WASHINGTON — Patient safety remains a problem at medical facilities throughout the country. But in our region, an effort is underway to cut the risk of infections and medical errors.

On Friday, medical caregivers from hospitals, nursing homes and clinics are coming together to learn, network and share the latest ideas for protecting patients.

The problem is huge, according to Robert Imhoff, president and CEO of the Maryland Patient Safety Center, which is organizing the day of medical brainstorming.

Estimates of the number of deaths from preventable errors vary widely. In 1999, the Institute of Medicine put the number at up to 98,000. Last September, a study published in the Journal of Patient Safety said the number may now be four times that.

Whatever the total, Imhoff says it is a reason for deep concern within the medical community, which is devoting considerable time and money to cutting the risk to patients.

For example, it may seem like a very simple thing, he says, but just having hand sanitzer dispensers readily available in medical settings has done a great deal to cut the infection rate.

Imhoff says many hospitals have taken the lead on this and have sanitzer available everywhere for staff and visitors.

“This is something they are very proactive with, and something you didn’t see five, 10 years ago,” he says.

Patient attitudes have also shifted. Imhoff says patients are getting more involved in their care, adding that “we believe that an engaged and informed patient is a safer patient.”

The days when patients blindly accepted anything said or done by a health-care provider have come to an end for most of us. Imhoff says there is no need to feel intimidated any more, and except for a few holdouts, most doctors appreciate it when patients get more involved.

That means asking lots of questions, especially before going in for surgery at a hospital or out-patient clinic. And Imhoff suggests writing them down before you check in.

He also says its a good idea for patients to keep a list of all medications you take and the dosage. That may well prevent a prescription mistake later.

Another tip: In a case of an emergency, have a family member or friend along as a designated spokesperson.

Imhoff says that at stressful times, a patient may not be able to think clearly, and it’s good to have someone with you who remains calm, can ask the right questions and can notice things that someone in the throes of treatment may not see.

And that goes for even the basics, like hand washing.

“If you are in an exam room and a doctor or nurse comes in to examine you and you noticed that they have not washed their hands, ask them to do so,” Imhoff says.

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Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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