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Senior Health Insurance Options
from: Kyle BesserWe all know that with age comes increasing health problems and thus an increase in medical expenses. Not having adequate senior health insurance further aggravates this situation.
The health insurance a senior has significantly affects access to health care and financial well-being of families. Seniors who are uninsured are more likely to forego doctor visits and medical treatment. Delaying or foregoing treatment or medication may lead to serious illnesses and hospitalizations for conditions that could have been avoided, such as pneumonia and uncontrolled diabetes.
The uninsured are also more likely not to be diagnosed with cancer until it has reached late stage. Death rates for the uninsured with cancer are significantly higher compared to those with health insurance.
While Medicare covers over 40 million Americans, Medicare alone is not enough to provide sufficient coverage for you or your aging family members.
To have a adequate health insurnace, a senior may have to combine several types of health insurance to cover medical needs.
If you are a senior or looking for a senior, here is a brief description of the various options for health insurance for seniors available:
Medicare For Seniors
Medicare is the national health insurance program for people 65 and older. Eligible persons who are under 65 and disabled may also qualify, including people with end-stage renal disease (ESRD).
Medicare Advantage
Medicare Advantage health insurance expands health care options for Medicare beneficiaries through a private senior health insurance plan.
Medigap Insurance
Medigap health insurance is designed to cover the "gaps" in Medicare coverage, helping to lower out-of-pocket costs and provide more senior health coverage.
Medicare Savings Program
The Medicare Savings Program helps pay for Medicare premium costs and more.
Medicaid
Medicaid provides medical care to individuals and families with low incomes and resources.
Prescription Assistance Program
Prescription Assistance Program provides financial assistance for those who can not afford the cost of prescription medications.
Long Term Care
Long term care refers to a wide range of medical and non-medical services provided to people with chronic illness or disability who are unable to care for themselves.
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