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Legal Senior Services Article
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2 - Health insurance for seniors
from:Health insurance for seniors: Are there options?
Health insurance is especially important to seniors because it is a natural fact of life that as we age our health deteriorates. Medicine and medical care can and does become rather expensive. Health insurance for seniors with fixed incomes can become a major problem. Sadly, there are millions of aged Americans without any form of health insurance. However, there are a number of options that can help seniors get fairly good health insurance. First of all, there are many agencies that exist to help the elderly or their caregivers get the information they need to make informed decisions about health insurance for seniors. One such program is the Seniors’ Health Insurance Information Program (SHIP) established in North Carolina in 1989.
AARP is a popular health insurance for seniors. It is available for any adult fifty and over. The benefits offered vary and it is necessary to read the fine print to get the maximum benefits. AARP offers a number of health insurance options for seniors, namely:
* Supplemental health insurance (basic and enhanced plans)
* Dental care health insurance
With this plan, you can keep your own dentist, and best of all, your entire family is covered.
* Long term care insurance
* Medicare Supplemental insurance
Medicare is a federal health insurance plan that offers health insurance for seniors through the Department of Health and Human Services. Members have to be aged sixty-five or older to qualify unless they are disabled. Seniors with disabilities can become members at age fifty-five. There are two main parts to this plan, Part A for hospitalization and Part B for non-hospitalization services such as doctor’s visits. Apart from prescription drugs, Medicare also covers screening for certain preventative illnesses. Medicare began a new program in January 2006 which will help make it easier for members to pay for the medication they need under the Medicare Prescription Drug Plan. To benefit under this plan, seniors will need to register.
Medigap, also known as Medicare Supplement Insurance, is a health insurance for seniors sold by private insurance companies. This plan helps to deal with areas not covered, hence the name Medigap, such as, copayments and deductibles. Seniors must pay a monthly premium to the issuing insurance company.
Medicaid, a state administered program is specially formulated for low income individuals including seniors.
In addition to those health insurance options for seniors mentioned above, there are lots more offered by private companies. It may be necessary to combine different types of health insurance for seniors to ensure that all your health insurance needs are met. As with all insurance, it is necessary to have a knowledgeable person go over the fine print before you commit to buying.
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