Senior Health Insurance Concerns
Seniors face unique challenges that virtually no other population in the health care world face. Whether they are new retirees trying to figure out what to do about their new health insurance situations, confronting serious health issues, or struggling financially, seniors have important health/health insurance topics to address. We discuss the following issues:
- Retirement and health insurance
- Expiration of coverage
- Health concerns for seniors
- Getting Medicare assistance
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Medical Insurance Needs and Retirement
If you have recently retired, it may be time to re-examine your health insurance options. Some employers continue health insurance coverage after you retire, but others do not. If you find yourself immediately without coverage, consider obtaining a COBRA plan or a short term health insurance plan to offer coverage while you are searching for a permanent plan. If you are in good health, the only potential problem you may encounter when searching for your new senior health plan is increased rates because of your age.
Don't Let Your Health Benefits Expire
The most important thing for new retirees to know when evaluating their health care options is to avoid any lapse in health insurance coverage after your employer-sponsored health benefits expire. If you go without health insurance for longer than two months, you may face significant obstacles when signing up for a new plan. If you have any pre-existing conditions, it is unlikely that insurance carriers will insure you if you let your health insurance coverage expire. In addition, you will probably have to submit to a full physical exam before applying for coverage through a new carrier, and you may be diagnosed with a preexisting condition you might not have known you had.
Senior's Health Issues and Concerns
Many seniors tend to suffer more health problems as they get older, which is why it is extremely important that all seniors have good, comprehensive health care insurance in place while they are still healthy. After one becomes ill, it is much harder, if not impossible, to obtain a good, affordable insurance program. Seniors who find themselves making frequent trips to the doctors office for diagnosis, procedures, or prescriptions may want to consider changing their deductible plans to a co-pay plan that will cover preventative care. It may end up saving them money in the long run.
Medicare Assistance for Seniors With Limited Savings
Many seniors find themselves taking advantage of Medicare to serve their medical needs. To find a contact number for the State Health Insurance Assistance Program (SHIP) counselor in your state, go to the Medicare Website.
The Bottom Line on Health Care for Seniors
Seniors have a variety of different health concerns and health insurance obstacles to face. Whether you already have a health insurance program or are searching for a new one, be sure to check out all your options and ensure that your policy offers all the coverage you need at a reasonable rate.
Seniors, request a health insurance quote today!
Last Updated : Monday, August 13, 2007