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health insurance companies | Nevada Senior Guide

Health Insurance For Senior Citizens – Why Are They So Hard To Insure? by Zandra Jones

May 17, 2013 by · Leave a Comment
Filed under: Articles 

Private health insurance for senior citizens is very hard to come by. As you get older, it becomes more prevalent that commercial insurance companies don’t want to cover older Americans. Since the creation of Medicare, there is no incentive to cover senior citizens because most buy into the Medicare system any way. Even though this may be true, there are still some older Americans who need to buy private health insurance. So let’s take a look at some of the main reasons why getting insurance for them can be difficult.

Your Age Is a Dominant Factor.

There are a number of reasons why senior citizens can’t get health coverage. For starters, a lot of health insurance companies look at your age. When people start getting over the age of 50, they are prone to have more illnesses, they see the doctor more often, and they might have more hospital stays. So the risks of insuring an older person far outweigh the benefits. We all age so why is this such an important factor?

The Cost Of Insuring An Older Person Is High.

Due to the fact that the elderly are prone to so many conditions and will need so much care, there are many companies who consider them to be a big risk. The average hospital stay of a person over the age of 50 is longer than some one in their 20’s and 30’s. Younger people heal and recover a lot quicker then older adults so their cost per treatment is less. Insurance companies know approximately how much they have to pay out for each age group and take all these things into consideration when pricing policies.

Pre-Existing Conditions are Not Insurable.

If you have a pre-existing condition like diabetes or high blood pressure, it is most of the time not insurable. May be with the new health care reform this will change. However, what does a pre-existing condition tell an insurance company? It tells them that you may not do a good job in taking care of yourself or you have bad eating habits. So why insure someone who could have possibly prevented such conditions by not drinking, not smoking, and not overeating. This may not be fair but insurance companies are in the business of making money for their investors.

Affordability May Be A Problem.

The last thing that you will find is that many times, senior citizens can’t afford the insurance. Even if they find a company willing to insure them, many are retired and are on a limited income. The cost of premiums alone can eat up any retirement check or pension income. Many have to choose between insurance or keeping a roof over their heads.

Getting health insurance for senior citizens is still a big problem for many. Many have never paid into the social security system and are not eligible for medicare and private insurance is way too expensive. Hopefully, the new health care reform will address many of these issues otherwise what options do these seniors have.

Getting good Health Insurance Information to stay update with the ever changing laws can be difficult. Visit www.healthbenefitstoday.com to get all the fact before you make a decision to purchase health insurance.

Article Source: http://EzineArticles.com/?expert=Zandra_Jones

Health Insurance – Boon For Senior Citizens by Mike James Soni

May 11, 2013 by · Leave a Comment
Filed under: Articles 

Water, Water everywhere but not a drop to drink! That was how Senior Citizens  felt some years ago when the Health Insurance companies were selective to cater  to them. With better medical conditions, people are able to live longer and  healthier. However, age does bring some health related issues that needs to be  taken care of.

There was a time when people after 50 years of age were generally not  considered Insurable or were considered high risk. So, if anyone wanted to get  health Insurance, the policy was either denied or was issued with various  exclusions on Pre-existing diseases.

With the emergence of various Insurance companies, the Insurance segment for  Senior citizens has also opened up. It is a boon for them to be able to plan and  take their health in their own hands. The Insurance companies have started  considering senior citizens as a potential market and address their need for a  Health Insurance product. Insurance Regulatory and Development Authority (IRDA)  has also taken various steps to boost the inclusion of senior citizens in the  health insurance sector.

There are some health insurers which cover the senior citizens with no cap on  the entry age, though IRDA’s directive is to keep at least 65 years as the  maximum entry age.

The Health Insurance segment is at nascent stage and hence arbitrary at  present/dichotomous in nature. Every individual has to undergo medical tests so  as to be considered for health insurance. The reimbursement for the medical  tests varies from insurer to insurer. Now, all insurers would reimburse 50% of  the cost of the tests if they issue a health policy to the customer. However,  there still are some companies in the market that cover a senior citizen without  medical tests up to a certain age and covers pre-existing ailments from first  year itself.

The Insurance companies would have to include all these clauses in the offer  document and explain to the customer what it means to them. With IRDA bringing  more transparency, consistency and accountability in the sector, the customers  would have more options to choose from and a better product to meet their  needs.

To know more about Health, Healthy living, Insurance, Health Insurance  products of Max Bupa “Heartbeat” please click the link below.

http://www.maxbupa.com

Article Source: http://EzineArticles.com/?expert=Mike_James_Soni

 

Meeting and Socializing Locations For Senior Citizens by Padmanabha Vyasamoorthy

April 23, 2013 by · Leave a Comment
Filed under: Articles 

As a person working for the welfare of senior citizens I am always interested  in meeting several of them in one place. Therefore I used to go to places where  they are normally seen in good numbers. I took the help of a web group called  sss-global and found out places where I can further explore looking for old  people. Here is a gist of my findings. They are given no specific order, because  categorization freezes free thinking!

o Senior Citizen Associations when they conduct regular meetings o Day  Care Centers attached to such SCAs o In the west, McDonald outfits offer  discounts to seniors in the morning hours and for early elderly lunchers:  therefore, McDonald outfits. o Alzheimer’s Day Care Centers o Retirement  Community Activity Rooms o Banks on first few days of the month to collect  pension o Parks in the evenings to while away time o Temples to bribe  Gods and to gossip and perhaps worship too! o Typical clubs and pubs to meet  friends; play cards; relax with a drink o Lectures planned for senior  citizens o Libraries to borrow / return or read books o Hospital out  patient geriatric wards for obvious reasons o Old Age Homes and retirement  facilities (senior homes) o Post Offices to deposit or collect pension or  interest income o On boulevards, parks, gardens, walking or jogging paths –  walkers o Locations where laughter club sessions are held o Near schools  waiting to collect grand children o Any bus or train bogie carrying  travelers on pilgrimage o Railway booking counters meant especially for  senior citizens o Any marriage function – not necessarily reception – is  full of oldies o Any Bhajan sessions, religious discourses

The listing will be useful to product or service providers for this age  group. Banks offering special FD schemes, Health Insurance companies, suppliers  of assistance devices etc to mention a few. If you can extend my listing I shall  be happy. If you reflect deeply upon the question: “What do senior citizens do?”  and try to answer “where” they do it in good numbers, I am getting  you!

Dr P Vyasamoorthy Retired Librarian turned Information Consultant. Specialist  in providing Information to Senior Citizens who are Indians or Indians living  abroad. Moderates a Web group for Senior Citizens in India for the past 8 years.  Web group: http://groups.yahoo.com/group/sss-global

He blogs at: http://vyasa-kaaranam-ketkadey.blogspot.com/ The posts in his blog are mostly his own writings dealing with retired peoples’  problems.

He has taken to writing recently for the past six months and writes in  Merinews, cplash, karmayog, Triond and other sites.

Article Source: http://EzineArticles.com/?expert=Padmanabha_Vyasamoorthy

 

Free Screenings During Senior Fest

September 1, 2012 by · Leave a Comment
Filed under: Events, General, Health and Home Care 

Hundreds of seniors will take advantage of free health screenings offered at Senior Fest 2012, Tuesday, Sept. 4 from 9 a.m. to 2 p.m. at Reno Town Mall. Last year, seniors lined up at the large tented area to participate in this once a year community outreach for tests offered by the health care team of professionals at Renown Health and Senior Care Plus.

Attendees, age 50 and older, can receive screenings regardless of their health insurance carrier. They include a Basic Metabolic Panel and Lipid Profile, Glycohemoglobin (Hemoglobin A1C) for known diabetics, blood pressure check and body mass index calculation. A pharmacist will also be available to review medications. Lab screenings will be offered from 8 a.m. to 2 p.m.

In addition to screenings, flu and pneumonia shots will be available at a low cost to general attendees. Medicare beneficiaries (Part B) and members of Senior Care Plus will receive the shots with no out-of-pocket cost.

Renown Health representatives will also be present to share important health information about specialized senior services, knee and hip joint replacement, cancer, heart services, Medical Group and Urgent Care and Cosmetic Laser & Skin Care.

For more information about the health screenings, contact Renown Wellness Resources at 775-982-5433.

About Hometown Health
Established in 1988, Hometown Health is the insurance division of Renown Health. Hometown Health is northern Nevada’s largest and most experienced health-insurance companies. Providing wide-ranging medical coverage and great service to members, Hometown Health represents a philosophy of health care that emphasizes active partnerships between members and physicians. Hometown Health values prevention as a key component of comprehensive care – reducing the risks of illness and helping to treat small problems before they can become more severe. Hometown Health offers a number of insurance products including HMO, PPO, HSA, Dental, Vision, and Senior Care Plus, northern Nevada’s first Medicare Advantage Plan. For more information, call 775-982-3000 or visit hometownhealth.com.

About Senior Fest
The 17th annual Senior Fest is the largest senior citizen outreach in northern Nevada. It offers informational booths featuring businesses and organizations that provide senior services in the Truckee Meadows community. Senior Fest is held at Reno Town Mall on the corner of Peckham Lane and South Virginia, across from the Reno Sparks Convention and Visitors Authority. Parking is free at both the mall and the Atlantis Casino parking lot. For more information, call 775-348-0717.

Senior Care Plus Offers Free Screenings During Senior Fest

Senior Care Plus, a Medicare Advantage Plan from Hometown Health, will offer free lab screenings during Senior Fest. Senior Fest is Tuesday, Sept. 4 from 9 a.m. to 2 p.m. at Reno Town Mall.

Lab screenings will be offered from 8 a.m. to 2 p.m. Attendees, age 50 and older, can receive screenings regardless of their health insurance carrier. They include a Basic Metabolic Panel and Lipid Profile, Glycohemoglobin (Hemoglobin A1C) for known diabetics, blood pressure check and body mass index calculation. A pharmacist will also be available to review medications.

Senior Care Plus members can receive a free FIT (fecal immunochemical test) at-home cancer screening and a heel bone scan (100 screenings will be offered for women only).

In addition to screenings, flu and pneumonia shots will be available at a low cost to general attendees. Medicare beneficiaries (Part B) and members of Senior Care Plus will receive the shots with no out-of-pocket cost.

Renown Health representatives will also be present to share important health information about specialized senior services, knee and hip joint replacement, cancer, heart services, Medical Group and Urgent Care and Cosmetic Laser & Skin Care.

For more information about the health screenings, contact Renown Wellness Resources at 775-982-5433.

About Hometown Health
Established in 1988, Hometown Health is the insurance division of Renown Health. Hometown Health is northern Nevada’s largest and most experienced health-insurance companies. Providing wide-ranging medical coverage and great service to members, Hometown Health represents a philosophy of health care that emphasizes active partnerships between members and physicians. Hometown Health values prevention as a key component of comprehensive care – reducing the risks of illness and helping to treat small problems before they can become more severe. Hometown Health offers a number of insurance products including HMO, PPO, HSA, Dental, Vision, and Senior Care Plus, northern Nevada’s first Medicare Advantage Plan. For more information, call 775-982-3000 or visit hometownhealth.com.

About Senior Fest
The 16th annual Senior Fest is the largest senior citizen outreach in northern Nevada. It offers informational booths featuring businesses and organizations that provide senior services in the Truckee Meadows community. Senior Fest is held at Reno Town Mall on the corner of Peckham Lane and South Virginia, across from the Reno Sparks Convention and Visitors Authority. Parking is free at both the mall and the Atlantis Casino parking lot. For more information, call 775-348-0717.

  • Senior Industry Network Group Events

    Monthly SING Meetings are held the first Thursday of every month at our NEW location below:

    Desert Canyon - HealthSouth
    9175 W. Oquendo Rd.
    Las Vegas, NV 89148

    S.I.N.G. Agenda:
    - Coffee and bagels will be served
    - A time to show gratitude by thanking those who have sent you referrals
    - Announcements around the room
    - One minute commercials
    - Open Discussion on topics of Self Empowerment

    * When? The 1st Thursday of every month. Networking starts at: 8:00am | Meeting starts at: 8:30am

    * How Much? It’s free!