These are people who no longer enjoy the cover of their employer’s health plan so they have to survive on their own. Ironically, this is also the age during which illnesses of all sorts manifest themselves.
Below are some health insurance programs senior citizens can opt for:
Medicare
Medicare covers part of the medical expenses for people aged 65 and above. Its programs include:
1. Medicare Part A (Hospital Insurance)
Hospital Insurance covers expenses incurred following a stay in the hospital. It also covers the follow-up costs and out-patient services such as supplies, equipment, physical therapy and home health care. No payment is required for one to receive Part A insurance. One only has to apply for the coverage whereupon confirmation they can enjoy the services for free.
2. Medicare Part B (Optional Medical Insurance)
This type of insurance covers out-of-hospital treatments, doctor’s visits, lab tests and medical equipment. It requires payment of annual deductible and monthly premiums.
3. Medicare Part C
This one offers more health plans and benefits than Part B.
4. Part D
This covers prescription drugs.
Medigap Insurance
Medigap coverage is available in the form of health plans that Medicare beneficiaries can purchase at affordable rates. It is tailored to provide the insurance services that are not covered in Medicare. One must be enrolled in Medicare Part A and B to qualify for a Medigap policy.
Medigap insurance can cover the co-insurance on your hospital stays or doctor visits. It can also pay your Medicare Part B deductible.
The best place to find Medigap Health Plans is on the internet and specifically, on a comparison website where you can compare quotes from different health insurance companies.
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