abc-logo
Taking care of your Loved One Is What We Do BEST!

It's no secret, most of us would like to stay in our own home as we age. Yet, sometimes our loved ones just need a little extra help to remain comfortable at home. That's where Always Best Care can help....we are dedicated to exceeding expectations....always

Please submit form to schedule a

Personal Care Consultation

Local Magic Personal Care Consultation

Please submit this form below and we will chat shortly!

This field is for validation purposes and should be left unchanged.

Home Care In Rowley, IA

Home Care Rowley, IA

They say that your golden years are the best years of your life. For most older Americans, that's how it should be - a time to relax, reflect, and live life in a familiar place. After all, senior citizens in the U.S. have worked tirelessly to build a better economy, serve their communities, and raise families.

However, as seniors grow older, completing daily tasks like showering and enjoying activities such as visiting the historic ROWLEY HISTORICAL gets harder without someone by their side. Unfortunately, many older Americans aren't able to rely on their adult children for help. The reality in today's world is that family members do not have the skills or time to dedicate to caring for their parents. That's where Always Best Care Senior Services comes in.

Our in-home care services are for people who prefer to stay at home as they grow older but need ongoing care that family or friends cannot provide. More and more older adults prefer to live far away from long-term, institutionalized facilities and closer to the place where they feel most comfortable - their home. Home care in Rowley, IA is a safe, effective way to give your loved ones the care they need when they need it the most.

 In-Home Care Rowley, IA

location Service Areas

The Always Best Care Difference

Since 1996, Always Best Care has provided non-medical in-home care for seniors to help them maintain a healthy lifestyle as they get older. We are proud to have helped more than 25,000 seniors maintain higher levels of dignity and respect. We focus on providing seniors with the highest level of in-home care available so that they may live happily and independently.

Unlike some senior care companies, we genuinely want to be included in our clients' lives. We believe that personalized care is always the better option over a "one size fits all" approach. To make sure our senior clients receive the best care possible, we pair them with compassionate caregivers who understand their unique needs. That way, they may provide care accordingly without compromising their wellbeing.

The Always Best Care difference lies in life's little moments - where compassionate care and trustworthy experience come together to help seniors live a fruitful, healthy life. Whether you are an aging adult that can't quite keep up with life's daily tasks or the child of a senior who needs regular in-home services, Always Best Care is here to help.

×
TESTIMONIALS

“Always best care provided excellent caregivers to us. I am really happy with the care and support they provided to my father. Highly recommended to all!”

James T.
×
TESTIMONIALS

“On behalf of my family, I would like to thank Always Best care for all the support your caregivers have provided to my mother. She was very pleased with the care she received. I confidently recommend Always Best Care to all.”

Michael H.
×
TESTIMONIALS

“Always Best Care in Cedar Valley IA realy helps me a lot. They have Reliable Caregivers who helped me to take care of my loved one for several years. They are highly trained and managed well the daily routines and activities like bathing and dressing. Caregivers of always best care is dependable and passionate to their work. I am satisfied and so glad that I chose their service. Highly recommend whoever needs their caregiving service!”

Melanie S.

What is Non-Medical Senior Care in Rowley, IA?

lm-check

Home is where the heart is. While that saying can sound a tad cliche, it is especially true for many seniors living in America. When given a choice, older adults most often prefer to grow older at home. An AARP study found that three out of four adults over the age of 50 want to stay in their homes and communities as they age.

lm-check

When you begin to think about why, it makes sense. Home offers a sense of security, comfort, and familiarity.

lm-check

The truth is, as we age, we begin to rely on others for help. When a family is too busy or lives too far away to fulfill this role, in-home senior care is often the best solution. Home care services allow seniors to enjoy personal independence while also receiving trustworthy assistance from a trained caregiver.

lm-check

At Always Best Care, we offer a comprehensive range of home care services to help seniors stay healthy while they get the help they need to remain independent. As your senior loved one gets older, giving them the gift of senior care is one of the best ways to show your love, even if you live far away.

 Senior Care Rowley, IA

Types of Elderly Care in Rowley, IA

To give our senior clients the best care possible, we offer a full spectrum of in-home care services:

Personal Care

Personal Care Services

If your senior loved one has specific care needs, our personal care services are a great choice to consider. Personal care includes the standard caregiving duties associated with companion care and includes help with tasks such as dressing and grooming. Personal care can also help individuals with chronic conditions like diabetes.

Common personal care services include assistance with:

  • Eating
  • Mobility Issues
  • Incontinence
  • Bathing
  • Dressing
  • Grooming

Respite Care Rowley, IA
Home Helper

Home Helper Services

Sometimes, seniors need helpful reminders to maintain a high quality of life at home. If you or your senior has trouble with everyday tasks like cooking, our home helper services will be very beneficial.

Common home helper care services include assistance with:

  • Medication Reminders
  • Meal Preparation
  • Pet Care
  • Prescription Refills
  • Morning Wake-Up
  • Walking
  • Reading
 Caregivers Rowley, IA
Companionship Services

Companionship Services

Using this kind of care is a fantastic way to make life easier for you or your senior loved one. At Always Best Care, our talented caregivers often fill the role of a companion for seniors. That way, older adults can enjoy their favorite local activities, such as visiting Rowley Town Common with friends while also receiving the care they need daily or weekly.

Common companionship services include:

  • Grocery Shopping
  • Transportation to Appointments
  • Nutritional Assistance
  • Conversation
  • Planning Outings
  • Completing Errands
  • Transportation to Community
  • Events and Social Outings
Home Care Rowley, IA
Respite Care

Respite Care Services

According to AARP, more than 53 million adults living in the U.S. provide care to someone over 50 years old. Unfortunately, these caregivers experience stress, exhaustion, and even depression. Our respite care services help family caregivers address urgent obligations, spend time with their children, and enjoy nearby activities. Perhaps more importantly, respite care gives family members time to recharge and regroup. Taking personal time to de-stress reduces the risk of caregiver burnout. So, if you've always wanted to eat at the local Grove or visit The Jewel Mill, don't feel bad. Doing so is great for both you and your loved one.

At the end of the day, our goal is to become a valuable part of your senior's daily routine. That way, we may help give them the highest quality of life possible. We know that staying at home is important for your loved one, and we are here to help make sure that is possible.

If you have been on the fence about non-medical home care, there has never been a better time than now to give your senior the care, assistance, and companionship they deserve.

 In-Home Care Rowley, IA

Benefits of Home Care in Rowley, IA

Always Best Care in-home services are for older adults who prefer to stay at home but need ongoing care that friends and family cannot provide. In-home care is a safe, effective way for seniors to age gracefully in a familiar place and live independent, non-institutionalized lives. The benefits of non-medical home care are numerous. Here are just a few reasons to consider senior care services from Always Best Care:

Always Best Care offers a full array of care options for patients at all levels of health. With our trusted elderly care services, your loved one will receive the level of care necessary for them to enjoy the highest possible quality of life.

Request More Information vector

Aging in Place: The Preferred Choice for Most Seniors

While it's true that some seniors have complicated medical needs that prevent them from staying at home, aging in place is often the best arrangement for seniors and their families. With a trusted caregiver, seniors have the opportunity to live with a sense of dignity and do so as they see fit - something that is unavailable to many older people today.

In-home care makes it possible for millions of seniors to age in place every year. Rather than moving to a strange nursing home, seniors have the chance to stay at home where they feel the happiest and most comfortable.

Here are just a few of the reasons why older men and women prefer to age at home:

How much does a senior's home truly mean to them?

A study published by the American Society on Aging found that more than half of seniors say their home's emotional value means more than how much their home is worth in monetary value. It stands to reason, then, that a senior's home is where they want to grow old.

With the help of elderly care in Rowley, IA, seniors don't have to age in a sterilized care facility. Instead, they can age gracefully in the place they want to be most: their home. In contrast, seniors who move to a long-term care facility must adapt to new environments, new people, and new systems that the facility implements. At this stage in life, this kind of drastic change can be more harmful than helpful.

Institutional care facilities like nursing homes often put large groups of people together to live in one location. On any given day, dozens of staff members and caregivers run in and out of these facilities. Being around so many new people in a relatively small living environment can be dangerous for a seniors' health and wellbeing. When you consider that thousands of seniors passed away in nursing homes during the COVID-19 pandemic, opting for in-home care is often a safer, healthier choice for seniors.

Aging in place has been shown to improve seniors' quality of life, which helps boost physical health and also helps insulate them from viral and bacterial risks found in elderly living facilities.

For many seniors, the ability to live independently with assistance from a caregiver is a priceless option. With in-home care, seniors experience a higher level of independence and freedom - much more so than in other settings like a nursing home. When a senior has the chance to age in place, they get to live life on their own terms, inside the house that they helped make into a home. More independence means more control over their personal lives, too, which leads to increased levels of fulfillment, happiness, and personal gratification. Over time, these positive feelings can manifest into a healthier, longer life.

More independence, a healthier life, and increased comfort are only a few benefits of aging in place. You have to take into consideration the role of cost and convenience. Simply put, it's usually easier and more affordable to help seniors age in place than it is to move them into an institutional care facility. According to the US Department of Housing and Urban Development, seniors who age in the comfort of their homes can save thousands of dollars per month.

In-home care services from Always Best Care, for instance, are often less expensive than long-term solutions, which can cost upwards of six figures per year. To make matters worse, many residential care facilities are reluctant to accept long-term care insurance and other types of payment assistance.

With Always Best Care's home care services, seniors and their families have a greater level of control over their care plans. In-home care gives seniors the chance to form a bond with a trusted caregiver and also receive unmatched care that is catered to their needs. In long-term care facilities, seniors and their loved ones have much less control over their care plan and have less of a say in who provides their care.

 Elderly Care Rowley, IA

Affordable Care

In-home care is a valuable resource that empowers seniors to age in place on their own terms. However, a big concern for many families and their loved ones is how much in-home care costs. If you're worried that in-home care is too expensive, you may be pleasantly surprised to learn that it is one of the most affordable senior care arrangements available.

Typically, hiring an Always Best Care in-home caregiver for a few hours a week is more affordable than sending your loved one to a long-term care facility. This is true even for seniors with more complex care needs.

At Always Best Care, we will work closely with you and your family to develop a Care Plan that not only meets your care needs, but your budget requirements, too. Once we discover the level of care that you or your senior need, we develop an in-home care plan that you can afford.

In addition to our flexible care options, families should also consider the following resources to help offset potential home care costs:

If your loved one qualifies, Medicaid may help reduce in-home care costs. Review your IA's Medicaid program laws and benefits, and make sure your senior's financial and medical needs meet Medicaid eligibility requirements.
Attendance and aid benefits through military service can cover a portion of the costs associated with in-home care for veterans and their spouses.
Many senior care services like in-home care are included in long-term care insurance options. Research different long-term care solutions to find a plan that provides coverage for senior care.
Home care can be included as part of a senior's private insurance plan. Read over your loved one's insurance policy carefully or speak with their insurance provider to determine if in-home care is covered.
Depending on the life insurance plan, you may be able to apply your policy toward long-term care. You may be able to use long-term-care coverage to help pay for in-home elderly care.
 Senior Care Rowley, IA

Compassionate Care. Trusted Caregivers.

When you or your senior loved one needs assistance managing daily tasks at home, finding a qualified caregiver can be challenging. It takes a special kind of person to provide reliable care for your senior loved one. However, a caregiver's role involves more than meal preparation and medication reminders. Many seniors rely on their caregivers for companionship, too.

Our companion care services give seniors the chance to socialize in a safe environment and engage in activities at home. These important efforts boost morale and provide much-needed relief from repetitive daily routines. A one-on-one, engaging conversation can sharpen seniors' minds and give them something in which to be excited.

At Always Best Care, we only hire care providers that we would trust to care for our own loved ones. Our senior caregivers in Rowley, IA understand how important it is to listen and communicate with their seniors. A seemingly small interaction, like a short hug goodbye, can make a major difference in a senior's day. Instead of battling against feelings of isolation, seniors begin to look forward to seeing their caregiver each week.

Understanding the nuances of senior care is just one of the reasons why our care providers are so great at their job.

Unlike some senior care companies, our caregivers must undergo extensive training before they work for Always Best Care. In addition, our caregivers receive ongoing training throughout the year. This training ensures that their standard of care matches up to the high standards we've come to expect. During this training, they will brush up on their communication skills, safety awareness, and symptom spotting. That way, your loved one receives the highest level of non-medical home care from day one.

Assisted Living Referral Services

While it's true that many seniors prefer to age at home, sometimes in-home care isn't the best fit. For those seniors and their families, choosing an assisted living facility makes more sense. Unfortunately, finding the optimal care facility is easier said than done in today's day and age. That's when Always Best Care's assisted living referral services begin to make a lot of sense.

Assisted living is a form of housing intended for seniors who require varying degrees of medical and personal attention. Accommodations may include single rooms, apartments, or shared living arrangements. Assisted living communities are typically designed to resemble a home-like environment and are physically constructed to encourage the independence of residents.


Respite Care Rowley, IA

At assisted living communities, seniors receive help with daily activities such as bathing, dressing, and eating. They may also benefit from coordination of services with outside healthcare providers, and monitoring of resident activities to ensure their health, safety, and well-being. Caregivers who work at assisted living communities can also provide medication administration and personal care services for older adults.

Other services offered within assisted living communities can include some or all of the following:

  • Housekeeping
  • Laundry
  • Recreational Activities
  • Social Outings
  • Emergency Medical Response
  • Medication Monitoring
  • Family Visitation
  • Personal Care
 Caregivers Rowley, IA

At Always Best Care, our representatives can match your senior's emotional, physical, and financial needs with viable assisted living communities nearby. Results are based on comparative data, so you can select the best choice for you or your loved one.

Always Best Care works closely with local senior living communities to gain valuable knowledge that we then use to help seniors and their loved ones make informed decisions. This information can include basic care and rent, resident availability, and services provided. Because Always Best Care is compensated by these communities, we provide senior living referral services at no extra cost to you.

Some of the most popular assisted living communities to consider in our area include the following:

  • Brandon Woods of Dartmouth Inc
  • Essex Group Management Corporation
  • The Residence at Riverbend
  • Rowley Council On Aging
  • Rowley Housing Authority
  • Byfield Elderly Housing
Home Care Rowley, IA

For many seniors, moving into a senior living community revolves around how and when they want to make a transition to more involved care. Some seniors are more proactive about transitioning to independent living. Others choose to remain home until their care needs or other requirements are satisfied. Remember - our staff is here to help. Contact our office today to learn more about assisted living communities and how we can find a facility that exceeds your expectations.

 In-Home Care Rowley, IA

Taking the First Step with Always Best Care

The first step in getting quality in-home care starts with a personal consultation with an experienced Always Best Care Care Coordinator. This initial consultation is crucial for our team to learn more about you or your elderly loved one to discover the level of care required. Topics of this consultation typically include:

A discussion of your needs and how our trained caregivers can offer assistance in the most effective way

lm-right-arrow
01

A draft of your care plan, which includes highly detailed notes and a framework for the care that you or your senior will receive

lm-right-arrow
02

Discuss payment options and help coordinate billing with your insurance provider

lm-right-arrow
03

Our caregivers are trained to spot changes that clients exhibit, like mental and physical decline. As your trusted senior care company, we will constantly assess and update your Care Plan to meet any new emotional, intellectual, physical, and emotional needs.

If you have never considered in-home care before, we understand that you and your family may have concerns about your Care Plan and its Care Coordinator. To help give you peace of mind, know that every team member and caregiver must undergo comprehensive training before being assigned to a Care Plan.

At the end of the day, we only hire the best of the best at Always Best Care. Whether you need home care in Rowley, IA 24-hours a day or only need a respite for a couple of hours, we are here to serve you.

When you're ready, we encourage you to contact your local Always Best Care representative to set up a Care Consultation. Our Care Coordinators would be happy to meet with you in person to get to know you better, discuss your needs, and help put together a personalized Care Plan specific to your needs.

 Elderly Care Rowley, IA

Latest News in Rowley, IA

Infamous journalist Stephen Glass works for Iowa law firm

[email protected] lawyers and patients announced a major lawsuit against a Des Moines hospital Friday, Stephen Glass stood silent and unnoticed behind the television cameras and journalists.But Glass, a former star journalist for the New Republic magazine, is no stranger to controver...

[email protected]

As lawyers and patients announced a major lawsuit against a Des Moines hospital Friday, Stephen Glass stood silent and unnoticed behind the television cameras and journalists.

But Glass, a former star journalist for the New Republic magazine, is no stranger to controversy or being the center of attention. His journalism career famously unraveled in 1998 after accusations that led to the discovery of fabrications in more than 40 pieces he'd written for the New Republic and other publications.

The saga was portrayed in a 2003 movie, "Shattered Glass," and the former journalist authored his own fictionalized account in a book, "The Fabulist." Glass earned a law degree from Georgetown University, but has been denied a law license from both New York and California due to the infamous scandal and questions over his truthfulness and character.

Glass now works for a California law firm, Carpenter, Zuckerman and Rowley, as the director of special projects, helping prepare clients who come to the personal injury firm to tell their stories at trial.

But he also works in the same capacity for Trial Lawyers for Justice, a firm based in Decorah that was founded by Nicholas Rowley, an Iowa native and partner in the California firm.

Glass stood toward the back of the room — often looking at his phone — at the Friday news conference at a West Des Moines law firm.

He watched as Rowley announced the expected filing of more than 100 lawsuits against Iowa Methodist Medical Center on behalf of patients who were affected by a pharmacy technician stealing powerful painkillers during their stays at the hospital. Former patients sat in rows behind Rowley as he accused the hospital of neglecting its duties to keep patients safe.

Glass politely declined to speak with a Des Moines Register reporter, citing the ongoing nature of the litigation against the hospital. But Glass spoke about his work in a 2014 article by journalist Hanna Rosin, explaining that he develops relationships with clients to better understand their life circumstances and stories. The work helps attorneys better prepare for trials and anticipate issues that might come up during litigation, he told Rosin.

"It’s not manipulation; it’s caring," Glass said. "I don’t coach the clients; I help them discover their story. ... It makes me anxious to do this. But I work from facts that are indisputably true. Maybe the anxiety comes from being afraid to be accused of lying again.”

Glass revealed last year that he has repaid $200,000 to the New Republic and other publications, according to the Duke Chronicle.

Globetrotting retired Iowa State professor skydives for 85th birthday, and can't wait to go again

Wayne Rowley's always been a "hold my beer and watch this" kind of guy.The retired Iowa State professor proved that much when he jumped out of a plane to celebrate his 85th birthday this summer.After George H.W. Bush skydived for his 80th, Rowley, of Ames, told himself he’d d...

Wayne Rowley's always been a "hold my beer and watch this" kind of guy.

The retired Iowa State professor proved that much when he jumped out of a plane to celebrate his 85th birthday this summer.

After George H.W. Bush skydived for his 80th, Rowley, of Ames, told himself he’d do the same if he made it to 85. In the meantime, the longtime Cyclone researcher and professor, globetrotter and expert fisherman embarked on annual solo trips to Siberia's isolated Kamchatka peninsula — a fly fisherman's paradise.

The timing of this year's Russian Far East quest pushed Rowley's skydive up to July, as the octogenarian would be knee-deep in Pacific salmon come his Aug. 27 birthday.

As the oldest person “by a factor of three” at Des Moines Skydivers in Winterset, Iowa, Rowley doesn't recall feeling even a tinge of fear.

“There was never any question or anxiety or concern about doing this," he said. "Life is to be lived, not to be wasted sitting around, feeling sorry for yourself."

Rowley said the tandem jump — and the subsequent 2-mile free fall — was pure bliss. He said he only remembers laughing with every swoop and spin in the air.

"I can't wait to go again," he said, smiling. He plans to jump again in the spring.

Rowley moved back to Ames last year from another retirement community in Maine after his wife, Annette, passed away following a long battle with dementia. The two were born in Price, Utah, and both attended Utah State before earning advanced degrees at Washington State while raising two sons and a daughter.

Rowley earned a Ph.D in medical entomology and went on to work for the government's chemical and biological warfare program in the 1960s. He then began a 40-year teaching career at Iowa State while Annette taught English at Ames High School.

Their 10-year-old cat, Ben, keeps him good company now. As do his neighbors at Green Hills Retirement Community, near the Iowa State campus, who take care of Ben while Rowley is traveling, pheasant hunting and fly fishing.

"The people on this floor, I have never met more delightful people in my life," Rowley said. The group shares puzzles, drinks and meals. Being social, he insists, is one of the few keys to staying healthy.

Another is continuing to read and think; Rowley still attends and gives lectures on campus. A scholarship in his name is awarded to one Iowa State entomology student each year.

After 34 countries, six continents and one skydive, Rowley says Ames is still home.

"Iowa State is still the most significant aspect of my life. And if you've ever been on campus, you understand why."

Emmetsburg ELC matchup brings former player and coach together

ESTHERVILLE, IA (KTIV) - Just three years ago, Briar Rowley hung up his Estherville Lincoln Central jersey for the last time and went on to play baseball at the collegiate level. A shoulder injury would end his playing career, so Rowley took up coaching finding his way to the head position at Emmetsburg. And now being a coach Rowley has a new understanding of the game.“There is plenty of things as a player when I was playing for coach Evans I was wondering what the heck he was doing,” says Rowley. “But now as a coach...

ESTHERVILLE, IA (KTIV) - Just three years ago, Briar Rowley hung up his Estherville Lincoln Central jersey for the last time and went on to play baseball at the collegiate level. A shoulder injury would end his playing career, so Rowley took up coaching finding his way to the head position at Emmetsburg. And now being a coach Rowley has a new understanding of the game.

“There is plenty of things as a player when I was playing for coach Evans I was wondering what the heck he was doing,” says Rowley. “But now as a coach I actually do a lot of things that he taught us back in the day and I look forward to using it with a bunch of my players also.”

The Midgets and E-Hawks would meet up in a matchup of the former player taking on the former coach.

“It’s different looking across and seeing a familiar face like that,” says ELC head coach Lee Evans. “But, you know he’s a competitor just like I am and once the game started, we have respect for each others teams and its time for battle.”

Evans is not surprised that Rowley ended up being the first former player to coach against him.

“You know he has a love of the game that he wants to stay involved with it,” says Evans. And, he’s played in the college ranks, and I knew once this job came open I kind of pressed for him a bit, and went over and threw his name out there, and I’m glad they went after him because I think they got a good one.”

And even though he knows the game against Estherville is going to be a tough matchup, Rowley, always looks forward to seeing and talking about the game with his old coach.

“You know its going to be a tough night anytime you play Estherville, but I always look forward to talking to coach Evans,” says Rowley. “I still talk to him quite a bit he’s a great guy and great baseball mind.”

Although ELC came out on top and ended Rowley and the E-Hawks season Evans still is proud of the job that his former player has done in Emmetsburg.

“You know he’s doing an excellent job for a first year young guy and I knew he would,” says Evans. “I have a lot of respect for him as a player, and I know he’ll be great as a coach too so it was just a fun competition tonight.”

Copyright 2022 KTIV. All rights reserved.

Lawsuit claims insurer conned Iowa lawmakers into passing tort reform

Lawyers for an Iowa medical clinic say a record-setting medical malpractice judgment was engineered so that state lawmakers would pass tort-reform legislation in the 2023 session. (Capitol photo by Perry Beeman/Iowa Capital Dispatch; image of bill courtesy of the Iowa Legislature)A newly filed lawsuit claims an insurance company engineered a record-setting medical malpractice judgment in Iowa to spur state legislators into passing tort-reform legislation.In March 2022, a Johnson County jury awarded more than $97.4 million to th...

Lawyers for an Iowa medical clinic say a record-setting medical malpractice judgment was engineered so that state lawmakers would pass tort-reform legislation in the 2023 session. (Capitol photo by Perry Beeman/Iowa Capital Dispatch; image of bill courtesy of the Iowa Legislature)

A newly filed lawsuit claims an insurance company engineered a record-setting medical malpractice judgment in Iowa to spur state legislators into passing tort-reform legislation.

In March 2022, a Johnson County jury awarded more than $97.4 million to the family of a boy who sustained serious brain damage during his birth at an Iowa City hospital. The award, believed to be the largest medical malpractice judgment in Iowa history, was later reduced to $75.6 million.

The boy’s parents, Kathleen and Andrew Kromphardt, had sued Obstetric and Gynecologic Associates of Iowa City and Coralville and others, alleging their son’s brain damage was caused by negligence in the hours leading up to his birth in August 2018.

Court filings by parties on both sides of the case suggest that the clinic, the doctors and the family were interested in settling the case out of court for an amount that would be covered by the clinic’s insurance policy. The insurance company resisted, however, and rejected proposals to settle the case for any amount, which resulted in the malpractice case going to trial.

This week, the clinic’s attorney, Nick Rowley, filed a lawsuit in state court arguing that the insurer, MMIC Insurance/Constellation Inc., and its attorneys, Shuttleworth & Ingersoll of Cedar Rapids, acted in bad faith.

MMIC, the lawsuit claims, used the lawsuit and the resulting jury award to persuade state lawmakers to pass tort-reform legislation that would save insurance companies millions by capping damages for malpractice that could be paid out to patients and their families.

“Once a jury decided the case was worth $97 million, MMIC/Constellation used the jury’s verdict to convince Iowa politicians to put a cap on non-economic damages in place in the state of Iowa,” the lawsuit claims. “MMIC/Constellation unreasonably chose not to settle and make the lawsuit and verdict go away, and then used OB-GYN Associates’ financial and reputational demise as propaganda to pass tort reform in Iowa. MMIC/Constellation had been attempting to get a hard non-economic damages cap put in place in Iowa for many years … MMIC/Constellation knew that the story of a $97 million verdict and three female OB/GYN physicians having to file bankruptcy and close their practice because of a large jury verdict, would give MMIC/Constellation what it needed to convince Iowa lawmakers to vote to pass the cap.”

The defendants in the case have yet to file a response to the lawsuit but have denied any wrongdoing in related federal-court filings.

Rowley acknowledged Wednesday that the lawsuit speaks not just to the insurance company’s actions, but to its motives — but, he said, he doesn’t anticipate it will be a difficult case to prove.

“I don’t think it’s going to be that tough,” he said. “A jury is going to see what happened. It’s right there, it’s right out in the open, because that’s how bold they are in Iowa. And wait until I get all their emails and their text messages and everything. We’re going to look at everything and leave no stone unturned.”

Lawsuit: Governor and lawmakers were lobbied

The allegations in the lawsuit echo those made in court filings related to the original malpractice lawsuit and the clinic’s bankruptcy. In relation to those filings, Rowley claimed the insurer’s decision to take the case to trial, rather than settle, was part of predetermined strategy of forcing the clinic into bankruptcy, enabling lobbyists and lawmakers to claim tort reform was needed to save medical providers from moving out of Iowa.

The bankruptcy element of the plan was almost successful, Rowley claims, until a federal judge in the bankruptcy case stepped in and dismissed the case as fraudulent.

The newly filed lawsuit claims that in the wake of the record-setting judgment, MMIC/Constellation “held seminars and lobbied for the implementation of non-economic caps in Iowa, involving the governor in the process. MMIC/Constellation told the story of three female OB/GYN physicians who had to file for bankruptcy and close down their clinic because of greedy trial lawyers and out-of-control civil litigation in Iowa. What MMIC/Constellation failed to share in these seminars and meetings with Iowa lawmakers is the fact that MMIC/Constellation was the insurer in the case of the $97 million verdict and all of the other large jury verdicts in Iowa — and that each case went to trial because MMIC/Constellation refused to negotiate and settle reasonably.”

House File 161 capped noneconomic damages in lawsuits against health care providers for medical incidents that result in the loss or impairment of a bodily function, disfigurement or death, at $1 million for clinics and individual doctors, and $2 million for hospitals.

Rowley has argued that MMIC/Constellation, in executing the alleged scheme to “bamboozle” state legislators, repeatedly put its own financial and political interests ahead of its policyholder, the clinic, which it used as “a pawn to change Iowa law regarding noneconomic damages – telling Iowans, at best, half-truths and, at worst, straight-up lies … The bad faith runs deep and will prove to be one of the worst cases of bad-faith conduct justifying punitive damages in Iowa state history.”

Rowley said Wednesday that the insurance companies have been “playing the long game” and focusing on long-term profits rather than short-term losses. “They sit up there on their high insurance-company thrones, and they see the world through a whole different lens than the rest of us,” Rowley said.

Judge questioned bankruptcy filing

The lawsuit seeks unspecified damages for bad faith, legal malpractice, breach of fiduciary duty and breach of contract.

The new litigation follows an aborted bankruptcy filing by the clinic last fall. The Kromphardts’ attorneys had challenged the filing, arguing it was filed in bad faith to avoid payment of the malpractice award.

On Jan. 20, the conservator in the bankruptcy case filed a motion with the court, alleging the clinic was acting in bad faith by filing for bankruptcy and arguing it was a litigation tactic to avoid payment of a bond that would secure some of the clinic’s assets.

In a March 29 decision dismissing the bankruptcy case, U.S. Bankruptcy Judge Anita L. Shodeen expressed concern over “the relationship” between the clinic and its insurer, MMIC. The judge suggested the insurance company may have given the clinic certain financial favors in return for the clinic filing for bankruptcy as part of an effort to shield MMIC from having to make a $12 million policy payout.

She noted that MMIC paid fees to the clinic’s bankruptcy professionals and offered the clinic favorable terms on its insurance coverage when no one else would. In addition, the judge stated, MMIC had offered to extend credit to the clinic.

“A question arises about whether the bankruptcy was motivated by a proper purpose or to obtain financial advantages from MMIC in exchange for filing bankruptcy to attempt to protect it from making payment under the policy,” Shodeen stated in her decision.

Our stories may be republished online or in print under Creative Commons license CC BY-NC-ND 4.0. We ask that you edit only for style or to shorten, provide proper attribution and link to our web site. AP and Getty images may not be republished. Please see our republishing guidelines for use of any other photos and graphics.

ACI: the new type of AI that brands need to know about

OpinionWe talk about AI an awful lot. That’s because a lot of people fear it.The fear is driven by visions of a humanoid intelligence that walks, talks, dances, drives and is prone to considering its own place in the universe. It’s driven in part by Hollywood’s weird, almost fetishistic interest in apocalyptic outcomes, spawning films like The Matrix, The Terminator or new blockbuster The Creator [although, spoiler alert: here it turns out the humans are the bad guys]....

Opinion

We talk about AI an awful lot. That’s because a lot of people fear it.

The fear is driven by visions of a humanoid intelligence that walks, talks, dances, drives and is prone to considering its own place in the universe. It’s driven in part by Hollywood’s weird, almost fetishistic interest in apocalyptic outcomes, spawning films like The Matrix, The Terminator or new blockbuster The Creator [although, spoiler alert: here it turns out the humans are the bad guys].

This happens because the debate over AI is unduly focused on artificial general intelligence (AGI). The ‘general’ in artificial general intelligence heralds the birth of an AI that can potentially match human capability across multiple tasks. We could even witness the arrival of AGI as a single AI that can execute a complete array of human tasks by rapidly adopting, adapting, and applying new learning to master every life skill.

The problem with these AGI-fantasies is that they are a distraction.

It’s particularly unhelpful for media and advertising professionals, who should really turn their attention to ACI.

Because ACI — artificial capable intelligence — has the potential to radically alter consumer behaviour.

The benefits of ‘Narrow AI’

As chronicled in AI guru Max Tegmark’s book Life 3.0, AI experts simply cannot agree on when AGI might arrive — or the criteria for officially declaring its arrival. Whilst some estimate it could be as early as the 2040s, others state we will be lucky to witness it before 2100, if at all. Those eagerly awaiting Blade Runner replicants are likely to continue to be disappointed.

In fact, the undue focus on AGI is eclipsing a more useful angle in the present. Available to us in the now is Narrow AI. Unashamedly limited in its skillset, Narrow AI offers us bespoke AI solutions for specific tasks only.

The last decade has seen the crossing of certain thresholds. In 2015, Lee Sedol, genius champion of fiendishly difficult board game ‘Go’ was thrashed by an AI called AlphaGo, leading to a very public sulk. In 2021, Google claimed their driverless Waymo cars had clocked up 20 million miles on public roads. In 2022, many brands are already using rudimentary chatbots to triage customer enquiries via pre-programmed decision-tree style answers.

But these are all examples of Narrow AI, also known as Weak AI. Each AI named above can only do one thing: AlphaGo couldn’t tell you the opening hours of a supermarket. Supermarket chatbots can’t drive a car. And driverless cars can’t beat Korean super-geniuses at ‘Go’.

The strength of Narrow AI is in its dedication to one task: never aspiring to be a jack of all trades, but rather the master of one.

For brands and businesses, the opportunity lies in bespoke, channelled, focused solutions to consumer needs, like chatbots that answer very specific questions on mortgage eligibility, limited speech recognition on phone helplines, rudimentary “if-you-liked-that-then-you’ll-like-this” product recommendation engines.

Most significantly, according to one Silicon Valley luminary, Narrow AI is about to get an upgrade that brands and businesses are going to want to know about.

From Narrow AI to ACI

In his book The Coming Wave, Deep Mind co-founder Mustafa Suleyman states that whereas Narrow AI is dedicated to doing one task well, and AGI is the moment where AI becomes able to master multiple tasks, ACI is the moment AI will be able to handle a collection of differing but related tasks within a category.

To illustrate, consider the rigmarole of booking a holiday. Today, we’re much more likely to be independent travellers, purchasing our flights, booking our hotels, and arranging airport transfers with a portfolio of operators, and managing the synchronisation of our itineraries ourselves. The industry even has a term for it: Fully Independent Travellers (FITs).

FITs willingly take on the heavy lifting of scrolling through pages and pages of results to check availability, reading restaurant reviews, and comparing hire car prices, before packaging them up into a bespoke holiday for themselves. However, if one element of the holiday runs into trouble, for instance flights need to change, then like holiday Jenga, everything falls apart. The independent traveller must start again and rebuild the plan to rebook the elements.

ACI solves that issue by ostensibly becoming a Virtual Travel Agent. Its skill lies in understanding the linkages between a seemingly disparate set of tasks, and not only is able to perform a deep dive on hotel prices, like a Narrow AI, but also collate and align results of different, external tasks found elsewhere, for instance tickets for tourist attractions and, totally separately, restaurants nearby.

Whilst some package tours still comprise all-inclusive end-to-end experiences, the ability to customise might be restricted. But an ACI could potentially be free to curate a package using the widest selection of disparate options surfaced on the ‘open web’, presenting them back in one unified dashboard. Crucially, when one element of the holiday changes, a Travel ACI would be able to adjust and realign all the pieces of the trip to get it back on track, even though they appear to the AI as independent variables.

Health appointments, buying cars, reclaiming our time

Extrapolating out to a wider application, branded ACIs could become a powerful tool for businesses looking to provide end-to-end services that ordinarily might require advanced coordination between different elements of the business, or indeed, external partners working as subcontractors. In short, it’s a way of turning your brand into a “one-stop-shop”.

To illustrate, we’ve already mentioned travel as an example. Health and beauty might be another, with appointments and treatments arranged and synchronised and aligned. Events might be another instance, with an ACI coordinating venue hire, arrival of the delivery trucks, catering set-up and soundchecks.

Purchasing a car might be further application, unifying the experience of searching, test-driving, purchasing, insuring, and servicing. Of course, some brands offer these services digitally now, but ACI would enable a whole new turbo-charged level of coordination and frictionless-ness.

The learning here is that consumers are often flicking between tabs on Chrome trying to line up the independent elements of their plan.

Because the value is in the savings they make and the tailored nature of the solution, they give up their time in exchange for a better overall result, rather than plump for an inflexible off-the-shelf solution.

But if a consumer could reclaim their time AND have a bespoke experience, product, or service, with just a few inputs at the front of the process and be digitally chaperoned throughout to track the progression and respond to changes, then this may be a more appealing prospect. Brands would effectively become more like service providers.

This is what ACI may be able to deliver. And this is why brands should find out more.

Disclaimer:

This website publishes news articles that contain copyrighted material whose use has not been specifically authorized by the copyright owner. The non-commercial use of these news articles for the purposes of local news reporting constitutes "Fair Use" of the copyrighted materials as provided for in Section 107 of the US Copyright Law.