Seniors tend to have more health problems and are thus a higher risk than younger people. So as a senior citizen, how can you find the medical coverage you need at an affordable price?
Medicare provides a partial solution but you're likely to need other coverage as well.
What Medicare Covers
Once you're 65 years old, you can enroll in Medicare, which covers some of your medical expenses. Medicare programs can offer the following health care benefits:
* Coverage for inpatient hospital care, nursing home care, hospice care, and some home health care through Medicare Part A.
* Coverage for doctors' services, outpatient hospital care, medical equipment, physical and occupational therapy and some home health care through Medicare Part B.
* Coverage for prescription drugs through Medicare Part D
In addition to these options, Medicare Part C extends your benefits and offers you more choices among health plans.
Finding Affordable Senior Health Insurance Plans
While Medicare may cover many of your expenses, it may not provide all the benefits you need. For example, Medicare will typically not cover annual physicals.
Therefore, you may need to buy additional coverage to cover what Medicare does not. This coverage is usually a Medigap policy or an HMO or PPO policy.
To help you find an affordable policy that will provide the health care benefits you need, you can visit an insurance comparison website.
Medicare provides a partial solution but you're likely to need other coverage as well.
What Medicare Covers
Once you're 65 years old, you can enroll in Medicare, which covers some of your medical expenses. Medicare programs can offer the following health care benefits:
* Coverage for inpatient hospital care, nursing home care, hospice care, and some home health care through Medicare Part A.
* Coverage for doctors' services, outpatient hospital care, medical equipment, physical and occupational therapy and some home health care through Medicare Part B.
* Coverage for prescription drugs through Medicare Part D
In addition to these options, Medicare Part C extends your benefits and offers you more choices among health plans.
Finding Affordable Senior Health Insurance Plans
While Medicare may cover many of your expenses, it may not provide all the benefits you need. For example, Medicare will typically not cover annual physicals.
Therefore, you may need to buy additional coverage to cover what Medicare does not. This coverage is usually a Medigap policy or an HMO or PPO policy.
To help you find an affordable policy that will provide the health care benefits you need, you can visit an insurance comparison website.
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