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health insurance | Nevada Senior Guide

Checklist Helps Seniors Through Medicare Open Enrollment

November 20, 2013 by · Leave a Comment
Filed under: Articles 

Older adults can follow a few simple tips to avoid uncovered expenses in the upcoming year.

With Medicare open enrollment beginning Oct. 15, now is the time to start preparing for future health care needs.

(Logo:  http://photos.prnewswire.com/prnh/20130710/CG45364LOGO-b)

Frank Nelson, program manager at the Central Coast Health Insurance Counseling and Advocacy Program, regularly educates Medicare beneficiaries about the importance of open enrollment. He urges seniors to use this period to reevaluate their Medicare Part D coverage and make the most of their policies.

In an interview with MySilverAge.com, Nelson said many beneficiaries feel overwhelmed or have questions about their plans: “It can be a complicated maze. There are a lot of ways you can get tangled up in the nuances.” To avoid the headaches that often come with health insurance, Nelson advises seniors to:

  • Check changes to Medicare Part D. Part D plans should be specific to an individual’s medication needs. Seniors will need to make sure their prescriptions are still covered each year during open enrollment.
  • Request local pharmacy pricing. Open enrollment is a good time to check pricing of prescriptions, as each pharmacy can differ.
  • Purchase a supplemental policy. Older adults might consider Medigap to cover health care costs that aren’t already covered by Medicare.

The steps outlined in this checklist help readers successfully navigate the complexities of Medicare open enrollment and stay on top of their health care plans. Read the full checklist here: http://www.mysilverage.com/medicarechecklist.

About MySilverAge
MySilverAge is a website and online resource center, brought to you by be.group, that is designed to help seniors enjoy “what’s next.” MySilverAge brings together thought leaders on the subject of successful aging, leading intelligence on healthy aging and senior living, and expert tips and advice for creating the home, community and relationships in which seniors can thrive.

About be.group
As one of California’s largest nonprofit providers of senior living communities, be.group is committed to creating communities and services that make the lives of older adults more fulfilling. be.group’s dedicated, well-trained staff is devoted to helping its residents and clients discover new ways to embrace life’s possibilities and new options for exploring their potential. Follow @begroupliving on Twitter.

Contact:
Jackie Gibson
Content Director
Imagination
312-382-7862
jgibson@imaginepub.com

The Benefits of Medicare Advantage

October 31, 2013 by · Leave a Comment
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Dr. Amir Bacchus

The annual election period during which seniors can enroll in Medicare Advantage plans began on Oct. 15 and ends Dec. 7.  During this open enrollment period, many of Nevada’s senior citizens will assess their health care needs and weigh their options carefully to determine whether a Medicare Advantage plan is right for them.

As a physician and the chief medical officer of HealthCare Partners Medical Group, I have a great deal of knowledge and experience related to Medicare Advantage plans, and I urge seniors to make informed decisions this fall.

Medicare Advantage plans can be an excellent choice for seniors without private supplemental insurance, as many offer improved access to coordinated care and protection against high out-of-pocket expenses. Medicare Advantage is an alternative to what is known as Medicare Fee-For-Service or “original Medicare.”  Medicare Advantage plans typically provide prescription drug coverage and eliminate the need to purchase a Medigap policy. The premiums tend to be lower than you would pay by purchasing original Medicare, Part D (prescription drug coverage) and Medigap separately.

When comparing Medicare Advantage plans, it is essential to consider the costs, benefits and health care provider choices within each available plan. You should take time to learn about the “in-network” providers associated with the health insurance plan.  It is important to know whether the providers have a reputation for offering high-quality, coordinate care and if they have a large enough network to meet your health care needs.  Finally, you should also consider access to the primary care physicians, specialists and other providers you use on a regular basis under each plan. Consistency of care has numerous benefits, especially for those who feel comfortable with their current health care providers.

When considering your coverage options this fall, pick the plan that works best for you. It’s a big decision, and I hope seniors explore their options during this year’s enrollment period.

Dr. Amir Bacchus is the chief medical officer and co-founder of HealthCare Partners Medical Group.  Bacchus received his M.D. from Wayne State University School of Medicine in 1993 and is a diplomat of the American Board of Internal Medicine.

 

 

Medicare Annual Open Enrollment Changes Are Expected, Allsup Explains

September 14, 2013 by · Leave a Comment
Filed under: Press-Media Releases 

Medicare Annual Open Enrollment Changes Are Expected, Allsup Explains

New Medicare plan options for 2014 will be available Oct. 15, but Health Insurance Marketplace enrollment could confuse beneficiaries 

There are only a few weeks before the Medicare annual open enrollment period begins Oct. 15. This year’s Medicare season crosses calendars with the rollout of the Health Insurance Marketplace, so it’s important Medicare-eligible beneficiaries understand the differences between the two government programs, according to Allsup, a nationwide provider of Medicare plan selection services.

During the Medicare annual enrollment period, Oct. 15 to Dec. 7, all Medicare beneficiaries have the option to change their Medicare plans for the coming year to better match their needs. This includes anyone using original Medicare, Medicare Advantage or Part D prescription drug plans.

“Because the federal and state-run health insurance exchanges open for business just two weeks prior to Medicare enrollment, some people may be confused,” said Paula Muschler, manager of the Allsup Medicare Advisor®, a Medicare plan selection service offering personalized help that includes customized research and enrollment assistance.

“Medicare beneficiaries may falsely think they need to enroll in an exchange plan to avoid penalties. Or, they may be so flustered that they don’t carefully evaluate their Medicare plan options for 2014, which could be detrimental if their plan or their needs have changed,” Muschler said.

Another potential area of confusion is for those individuals turning 65 during Medicare annual enrollment. “Because some seniors become Medicare eligible during this time period, they need to look at their Medicare selections for coverage that takes them through year-end 2013, as well as coverage that will begin Jan. 1, 2014,” Muschler said. “These first-time enrollees can benefit from the help of a Medicare specialist like Allsup when it comes to navigating their Medicare plan decisions.”

What to Expect: Medicare Coverage 2014

Nearly 50 million people are enrolled in Medicare. Each year, annual open enrollment brings with it changes that can affect their Medicare plan selections.

Following are factors to keep in mind for 2014 coverage:

Medicare is not part of the Health Insurance Marketplace. Anyone with Medicare is considered covered and won’t face penalties for being uninsured under provisions of the Affordable Care Act (ACA). Medicare annual open enrollment runs Oct. 15 to Dec. 7. (Note: Health Insurance Marketplace enrollment is from Oct. 1, 2013, through March 31, 2014, according to the U.S. Department of Health & Human Services (HHS).)

Medicare recipients reaching the drug donut hole will benefit from lower costs. The gap in prescription drug coverage starts when someone reaches the initial coverage limit, estimated at $2,850 in 2014. It ends when they have spent $4,550, when catastrophic coverage begins. (These are reductions of $120 and $200, respectively, from 2013.) During the donut hole, all costs are covered by individuals out of their own pocket. In 2014, those who reach the donut hole can receive a 52.5 percent discount on brand-name drugs and 28 percent discount on generic drugs (an increase from 21 percent in 2013).

Under catastrophic coverage, they are responsible for a co-pay of $2.55 for generic or preferred multisource drugs (down from $2.65 in 2013) with a retail price up to $51 and $6.35 for all other drugs (down from $6.60 in 2013) with a retail price up to $127. For 2014, however, beneficiaries are responsible for a 5 percent cost-sharing fee for drugs over those retail prices.

Medicare Part B premium changes are expected. In each of the past three years, Part B premiums have increased. The 2013 monthly premium for Medicare Part B (medical insurance) was $104.90, an increase from $99.90 in 2012. In addition, because Part B premiums are based on the beneficiary’s income and those income levels are frozen at 2010 levels, more individuals could see their premiums change. Information on the standard Part B premium for 2014 should be available by the time Medicare annual open enrollment begins Oct. 15.

Prescription drug Part D plans will see slight changes in deductible and premiums. The Part D initial deductible decreases by $15 to $310. HHS also recently reported the Part D monthly premiums will remain relatively stable, at $31 for a basic prescription drug plan in 2014. This is close to the reported average premium of $30 for the past three years (2011-13). Part D premiums are subject to the same income-based thresholds as Part B.

Changes anticipated for Medicare Advantage plans. Not all plans change every year, but common changes include costs, such as premiums, deductibles and co-pays, and changes to covered procedures, tests, medical facilities and other provisions. Some plans may be eliminated, which means beneficiaries will need to select a new plan or default to original Medicare Part B. Enrollment in Medicare Advantage plans continues to grow with 14.4 million people enrolled, an increase of more than 1 million from 2012, according to the Kaiser Family Foundation.

Most Medicare participants will receive their Annual Notice of Change (ANOC) and Evidence of Coverage (EO) from their current Medicare Advantage and Part D providers by Sept. 30, according to Muschler. “It’s crucial people review materials as soon as they receive them and asses their current healthcare needs,” she said.

“Healthcare costs are a critical line item in most people’s budget, and especially so for seniors and people with disabilities,” Muschler added. “Believing your current plan will continue to cover your needs in the same way can lead to unexpected and costly surprises.”

Medicare specialists such as Allsup are available to help consumers and their family members review Medicare plans and choices for 2014 coverage, Muschler added.

“For many people, this can be a time-consuming, confusing and complex evaluation process, especially when comparing Part D plans or Medicare Advantage plans,” Muschler said. “Many Medicare beneficiaries are pleased to find out there are Medicare specialists like Allsup who look at the comparative details of the plans, and then provide them the assistance they need to make choices that suit their needs and budget in the coming year.”

The Allsup Medicare Advisor is an affordable, flat-fee based service for Medicare-eligible individuals.

For an evaluation of Medicare options, call an Allsup Medicare Advisor specialist at (866) 521-7655 or visit Medicare.Allsup.com to learn more about the service.

The Allsup Medicare Advisor also has features that help financial advisors guide their clients to the Medicare plans that match their specific lifestyles and healthcare needs. Employers also use Allsup Medicare Advisor for their employees who are retiring and transitioning to Medicare. For more information, go to FinancialAdvisor.Allsup.com, or call (888) 220-9678.
ABOUT ALLSUP

Allsup is a nationwide provider of Social Security disability, veterans disability appeal, Medicare and Medicare Secondary Payer compliance services for individuals, employers and insurance carriers. Allsup professionals deliver specialized services supporting people with disabilities and seniors so they may lead lives that are as financially secure and as healthy as possible. Founded in 1984, the company is based in Belleville, Ill., near St. Louis. For more information, go to http://www.Allsup.com or visit Allsup on Facebook at http://www.facebook.com/Allsupinc.

The information provided is not intended as a substitute for legal or other professional services. Legal or other expert assistance should be sought before making any decision that may affect your situation.

# # #

Contact:
Rebecca Ray, (800) 854-1418, ext. 65065, r.ray@allsupinc.com
Mary Jung, (773) 429-0940, mtjung@msn.com

Columbus Travel Insurance For Senior Citizens by Lee Jacksonlee

September 4, 2013 by · Leave a Comment
Filed under: Articles 

perfect-travel-insurance-product

Majority of the senior citizens nowadays opt for insurance whenever they plan for any trips, especially when traveling abroad. It does not matter whether they are experienced travelers or have been waiting for the journey of a lifetime, they would still want to have a safe and enjoyable trip. Moreover, senior citizens and the rest of the people would like to travel with a peaceful mind, knowing that any misfortunes along the way would be well taken care of with minimum distractions.

As a matter of fact, most senior citizens are covered with health insurance at home. So it makes it even more sensible to be safely protected with travel insurance while they are away from home. Where health is concerned, irregardless of how fit and healthy you are, you cannot afford to take the risk of not being insured. The reason being, in the event of any sicknesses or accidents, the medical expenses incurred will be very costly, especially if require hospitalization.

Depending on your destination, less developed countries with unfamiliar and perhaps unhygienic food may be hazardous to health, what more with poor quality drinking water…! The climate may also be another factor contributing to health problems, especially when there is a drastic change in temperature. Besides the issue of health, there are other types of mishaps too, such as flight cancellation, lost luggage or personal belongings, delayed flights, thefts and even accidents.

There are many insurance agencies available online with competitive prices. Some rates provided are more lucrative and affordable than the others so it is wise to scout around for better deals. In fact, there is a variety of comprehensive coverage specially catered to meet the requirements and demands of consumers, namely backpacker and adventure travel insurance, pre-existing medical insurance, business insurance, single and group insurance.

Generally, a customer oriented company will pride themselves on providing quick, efficient and hassle-free service. So go ahead and enjoy your golden years by seeing the world. Travel extensively but do it only under the protection of insurance. Ensure to obtain an adequate coverage to give you and your loved ones peace of mind. Then you can “stop worrying about the potholes in the road and celebrate the journey”… as quoted by Fitzhugh Mullan.

So if your parents want enjoy their vocation with good memories, seek travel insurance from Columbus travel insurance. By doing so, you are not just securing your trip from any unforeseen events but also for a surely wonderful vacation with affordable best travel insurance

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

Medicare and Medicaid For Senior Citizens by David Crumrine

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

There are two main programs administered by the government that offer benefits to senior citizens – Medicare and Medicaid.  Medicare is available for all senior citizens age 65 or older.  Those under age 65 with certain disabilities may also be eligible for Medicare.  If you are not a U.S. citizen, you must have entered the U.S. lawfully at least five years prior to receiving Medicare benefits. Medicaid is for people with limited income.

Medicare has two parts. Part A is the hospital insurance and Part B is the medical insurance.

Medicare Part A can pay for home health care if the patient meets certain requirements.  Part A is set up mainly to pay for care in a hospital or skilled nursing facility, or by hospice.  Depending on the amount of Medicare taxes paid by the patient and their spouse over their lifetimes, they may not have to pay a monthly fee for Medicare Part A.  Otherwise, the patient may have to enroll and pay a premium.

Medicare Part B is the medical portion which helps pay for medically-necessary doctors’ services and other patient care.  Part B can also pay for some preventative services (like flu shots) or some services to keep certain illnesses from getting worse.  The standard monthly premium for Medicare Part B was $96.40 in 2008.

You have two main options in how you get your Medicare coverage.  

You can choose traditional Medicare coverage, which is managed by the Federal government.  This plan provides Medicare Part A and Part B coverage.  The recipient can choose to have either Part A or Part B or both.  There is a mandatory deductible, and usually coinsurance charges for each time one gets service. A Medicare supplemental insurance policy known as “Medigap,” can also be purchased. This helps pay for some of the “gaps” such as co-payments, coinsurances, and deductibles.

Medicare Advantage Plans, offered by Medicare-approved private insurance companies (called Part C) is another option.  They generally provide services in addition to Part A and Part B services.  Co-payments, co-insurance, and deductibles are likely to be less, but you pay a monthly premium.

Medicare Part D is available for senior citizens with limited income to help pay for prescription costs.

Medicaid

Medicaid is a health insurance program designed for people with low-income.  It is funded by both the Federal and state government.  Each state administers the program for its residents. Rules for eligibility include the potential recipient’s income and assets.  Each state may have slightly different rules for determining financial need and other eligibility requirements.

If the senior citizen you are caring for has limited income, you should apply to find out if he or she is qualified.  Find a qualified caseworker in your state to help you with the application process.  You may have to pay a co-pay for certain medical services, depending on your state’s policies.

Medicare and Medicaid will pay for most of the medical expenses, including nursing home care, for those who qualify.

The Caring Space
http://www.TheCaringSpace.com

David Crumrine at the Caring Space
We are an organization that connects caregivers and care seekers, providing an easy and affordable resource for families seeking care for friends/loved ones and caregivers seeking employment.

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

 

Senior Citizens – If You Cannot Be Your Own Advocate For Your Medications, Get Help! by J Delms

June 7, 2013 by · Leave a Comment
Filed under: Articles 

Senior citizens purchase 35-40% of all prescribed and over-the-counter (OTC) drugs. Seniors between the ages of 65-84 take from 14-to-18 prescriptions annually. Up to 25% of these medications are considered unnecessary or inaccurate.

The Internet offers numerous articles and other information on how senior citizens can protect themselves from over-medication and other unnecessary treatments. Some of these articles are written by physicians who realize that medical drugs are not the answer to all health conditions. Additionally, a recent midwestern newspaper article indicates that less than half of our medical care is supported by adequate scientific evidence. These kind of articles also offer recommendations for protection from the harmful side effects of too much medication.

Recommendations

1. Good insurance pays. Although health insurance is a good thing to have nowadays, do keep in mind that your insurance and drug plans could be prevailed upon for medical business reasons. If you already have medicare and other health insurance, your health condition could inadvertently be targeted for more treatments than really necessary.

2. Common sense. Listen to your best instincts about the treatments you might or might not need. Do not passively accept medication without knowing its exact health goal and purpose first. Ask questions about your prescription and why you need it for your specific condition? Make sure this treatment makes sense to you.

Although senior citizens account for only 13% of the population, they purchase up to 40% of all medications. Therefore, document any side effects from your prescriptions, and report them to your doctor, e.g., headache, cough, drowsiness, dizziness, pain, itching, gas, upset stomach, or constipation. Your doctor can change these medications if they cause you discomfort.

3. Take someone with you to an appointment. Take a friend or family member with you when you see your doctor. This person will add to your advocacy by giving you emotional support, and by helping you thwart questionable prescriptions or treatments. Three heads are better than one. Also, remember that 77% of the seniors between the ages of 65-70 have at least one chronic illness. Thus, you could really need one or two prescriptions of some kind.

Yet, other prescriptions are questionable. For example, if you have a desirable cholesterol level lower than 200-mg/dL, and your doctor prescribes a statin drug to enhance your cholesterol level, you will need to question that recommendation to find out exactly why you need it for your apparent condition. Will it affect your other bodily systems in some way, good or bad? In another reported situation, a study at a northwestern state university found that some doctors were prescribing powerful anti-psychotic drugs to patients for mild depression, anxiety, and insomnia. These drugs are approved only for serious mental and emotional disorders. Otherwise, the effects from these drugs can be harmful.

Still other adverse medical effects can be somewhat innocent. In one case, a senior started taking two common OTC pills daily to help reduce hip pain. However, these pills thinned that person’s blood, which caused his or her small colon fissures to bleed. After the resulting bleeding showed up in the stool, this senior was much relieved to find out it was not caused by cancer.

4. Learn about your medical condition. If you have a computer available, search the Internet for reliable information about your condition, and how to treat it. If not, try a public or medical library to find out as much about it as you can. This kind of knowledge is defensive power in favor of your continued good health.

5. Keep and carry your own set of records. Carry your basic health history and information with you, in writing. List your chronic conditions, medications, allergies, blood type as well as your doctor’s name and phone number. Also keep a copy of these life-saving records in the open at your residence in case of an emergency, or in case you become unconscious and cannot provide this information verbally. Additionally, if possible, add copies of your laboratory test results to these records. Your life could depend on them.

6. Report suspected abuse or fraud. Medicare fraud costs tax payers multiple millions of dollars, and causes health insurance premiums to rise sharply. Study the suspect fraud carefully, and then report it. Such abuse can be reported to a senior-medicare patrol in your area or state if they exist. These offices or patrols are found at the government agencies on aging. For starters, see the links below for prevention and protection.

1. Avoid Medication Problems — http://longevity.about.com/od/optimizemedicalcare/a/medications.htm

2. Report Medicare Fraud — http://www.medicare.gov/fraudabuse/howtoreport.asp

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

 

Health Insurance for Senior Citizens – How to Get the Best Rate by Brian Stevens

May 31, 2013 by · Leave a Comment
Filed under: Articles 

As a senior citizen, you may find yourself in a health insurance crisis – no longer covered by an employer’s health insurance policy but needing health insurance more than you ever did before. Of course, Medicare covers some of your medical expenses, but how can you get the best rate on health insurance to cover the gaps Medicare leaves?

What Medicare Covers

Once you are 65 years old, you’re eligible to enroll in Medicare. Medicare can include several programs:

* Medicare Part A, which helps cover inpatient hospital care, nursing home care, hospice care, and some home health care. Most people pay for this coverage through taxes, so they do not pay a deductible or monthly premium.

* Medicare Part B, which helps cover doctors’ services, outpatient hospital care, medical equipment, physical and occupational therapy and some home health care. Most people pay an annual deductible and a monthly premium for this health plan.

* Medicare Part C, Medicare Advantage Plan, which offers you more choices among health plans and extends your benefits.

* Medicare Part D, prescription drug coverage.

In addition, you may need MediGap coverage, which is health insurance that covers what Medicare does not.

Affordable Health Insurance for Senior Citizens

As you can see, health insurance for senior citizens can be confusing. Fortunately, insurance comparison websites can help you gain a clear picture of what health insurance you need, as well as help you find that insurance at a reasonable rate.

All you need to do is go to an insurance comparison website and complete a simple form with information about yourself and your insurance needs. Once you submit the form, you will soon receive quotes for affordable health insurance from multiple A-rated insurance companies. And at the best insurance comparison websites, insurance professionals are standing by to talk with you and answer any health insurance questions you have. (See link below.)

Visit http://www.LowerRateQuotes.com/health-insurance.html or click on the following link to get health insurance quotes for senior citizens from top-rated companies and see how much you can save. You can also get more insurance tips there.

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on health insurance for senior citizens.

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

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 for Senior Citizens – Why Do You Need It? by KV Gopalakrishnan

May 14, 2013 by · Leave a Comment
Filed under: Articles 

When you are more than fifty years of age, it is natural that your  requirements for medical assistance increases. Periodical visits to Medical  centers become important now for safeguarding you from health problems and also  for making it possible for you to recoup should you fall ill. Until now, you had  been keeping mostly healthy and your own medical requirements have either been  paid by your company or organization or effortlessly been managed with your  earnings and savings.

Now that you are contemplating to retire and enjoy life, this is the time to  consider choosing a health insurance policy for senior citizens to take care of  your (and your spouse’s) health-related expenditures. Here are some more points  to consider:

  • Hospital Expenses tend to be skyrocketing these days particularly since most  of us have the tendency to choose treatment in branded Private Hospitals. This  can create a dent on your retirement savings in the event you do not have  medical insurance for senior citizens.
  • For anyone who is preparing to retire and survive on pension or interest  earnings from savings, a medical emergency can lead to a monetary crisis. To  steer clear of this, it is advisable to consider a comprehensive policy of  health insurance.
  • The medical coverage, which you had in the course of your career, generally  ceases when you retire. Suitable Medical insurance can replace this insurance  cover.
  • It may not be a good idea to count on your children to avail their  employee/group insurance for you as this insurance cover would also cease when  they happen to change occupation.
  • Pre existing ailments are excluded from health related insurance for senior  citizens for a period of two to four years in most instances. If you join early,  you can avail the policy even for treatment of existing illness (after the  stipulated period), before the illness develop into a serious one.
  • If you are confused as a result of the countless choices available in the  field of insurance available to senior citizens, do not hesitate to seek  guidance of an independent insurance adviser.
  • In normal instances, for availing insurance, medical checkups are essential  for anyone above 45. In case you are reluctant to undergo such tests, you will  even be able to find policies, which are provided without these tests.  Nevertheless, it is best to declare your pre-existing illnesses truthfully, to  steer clear of rejection of your future claims.
  • Please be aware that recently Government of India has issued some  stipulations (July 1, 2009) which makes it mandatory for all health insurance  companies to refund 50% of the expenses made by you on medical tests related to  the policy, in case they accept your policy.
  • Government of India has also issued guidelines that every health insurance  company has to offer insurance coverage for individuals up to 65 years of age.  There is also a provision for shifting insurers if you are not satisfied with  the current provider.

 

Please keep it in mind that there is a great deal of differences in terms and  conditions in the policies of health insurance for senior citizens provided by  various companies. You will even find companies which even offer “No age  restriction for enrollment” and “assured renewal for life”. Take your time to  choose a suitable health insurance policy which meets your personal needs.

Wish you a happy, healthy and enjoyable time after 50.

KV Gopalakrishnan Senior Citizens Consultant

http://enjoyafter50.com/

Visit this website for tips and tricks to make your retirement life happy and  enjoyable.

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

Senior Citizen Travel Insurance – Baby Boomer Travelers Need This Protection by Susan Elizabeth

May 13, 2013 by · Leave a Comment
Filed under: Articles 

One of the favorite activities of senior citizens and baby boomers is  traveling. There are large numbers of travel agencies and tour groups that  specialize in providing travel adventures to seniors. And one of the things that  is most important when you are a boomer and you are out traveling around the  country or the world is senior citizen travel insurance.

This kind of insurance helps you if you need medical help when you are on  your trip. In particular if you are overseas, the doctors and the hospitals may  not want to treat you unless you can guarantee that they are going to receive  payment. And sometimes, you just don’t have the amount on your credit card to  afford the treatment you really need.

Just to make it clear, getting senior travel health insurance is a very  important thing to do before you leave n your trip.

Here are a couple of tips when you are asking insurance agents either online  or offline about senor travel insurance.

You want to be sure what age they are calling seniors. It doesn’t help much  if you are 64 and the cutoff age is 65. You are not going to be able to take  advantage of that insurance e coverage no matter what. So it is very important  to get that right out in the open right away. You will probably be able to get  some kind of health coverage from that particular agency but it might not be  senior citizen coverage.

Another point to consider is mode of transportation on your trip. There are  some health insurance policies that have exclusion provisions for particular  modes of travel. Not so much airplanes or cruise liners but odd kinds of things  like mule trains and bicycles. You want to be sure that however you are going to  be traveling on your trip that you get insurance that is going to cover you for  that form of transportation.

None of these things are deal breakers as far as getting travel insurance  goes. You just want to be sure that you have your bases covered before you set  off on your adventure. Oftentimes, the best deals with the best insurance agents  and companies are found on the senior websites. They can offer you excellent  group packages on discount insurance because their membership is so big.

And even though you really need senior citizen travel insurance to cover your  health while you are on your trip, it doesn’t mean you can’t take advantage of  any discount you can find. And that is one thing that the internet is really  good at finding for you – discounts.

Susan is a full fledged baby boomer and avid internet researcher who writes  about baby  boomer travel and other senior topics on her site at www.second50years.com.

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

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

 

Know More About Short Term Health Insurance Plans For Senior Citizens by John D. Edwards

May 2, 2013 by · Leave a Comment
Filed under: Articles 

Short term insurance has become very popular over the recent years as it is a  cheaper and affordable insurance option for many people. When it comes to  insurance polices there are many to choose from. There are companies that  provide a host of insurance policies and at times it is difficult to choose the  ideal one for you. For people over 65 years of age it becomes even more  difficult because they are not aware of the right plans for themselves and they  fear the amount of premium that they need to pay as the amount for insurance  policy increases with age. If you are over 65 years this may sound depressing  for you however the good news is that there are many short term health insurance  plans that are offered by insurance companies for their benefit and welfare.

The above insurance companies offer the best policies that are less expensive  for them. These companies have two sets of health insurance policies that are  available for people under 65 and the next set for people over 65. The insurance  policies that have been framed for senior citizens by Medicare are short term  insurance policies that have been targeted for the welfare of these citizens.  There are certain cholesterol levels, blood pressure, family history, height,  weight and other considerations that are taken into account for these citizens.  In fact, the above policy considerations are more liberal than the ones that are  made for younger adults. These citizens can reap the benefits of short term  health insurance polices that have been made keeping their needs in mind.

The term insurance policy intended for senior citizens offer the best rates  and helps them save significant money. The short term insurance is also called a  temporary insurance that provides health insurance for a limited period only.  The time period can be as short as a month and can also go up to 6 to 12 months  as well. The term health insurance works in the same way as the long term health  insurance. The coverage between the two is different and in the case of the  former the person gets a health card that will possess limits and the  deductibles on the services of the policy. Such a short term insurance policy  provides you with the advantages of an insurance against accidents and illnesses  only for a limited period.

The short term health insurance plan for senior citizens do not contain  pre-existing conditions and preventive care. The pre-existing condition is a  medical problem that a person suffers from before he or she goes into insurance.  These short term health insurance plans are specially designed to provide  protection against major health problems that a senior citizen faces.

Thus, from the above it is evident that the above short term health insurance  have been specially designed for the purpose of senior citizens and they can  avail all the benefits and the advantages of the polices that have been offered  to them with ease.

Are you looking for low cost short term health insurance? Visit http://www.short-termhealthinsurance.com today  for more information!

Article Source: http://EzineArticles.com/?expert=John_D._Edwards

 

Senior Citizen Health Insurance – How to Make it Affordable? by Reina Raine

April 26, 2013 by · Leave a Comment
Filed under: Articles 

Senior citizen health insurance becomes a necessity as Medicare alone might  be insufficient unless you have a good savings plan or 401K during working  years. Retirement is a time when you get away from the daily grind and do things  that you love to do. However, when you consider the cost of a senior citizen  health insurance plan and added medications versus the fixed income of the  retirees, the picture looks quite bleak. Why is senior citizen health insurance  so expensive to secure? Is there anything that can be done to help the situation?

Getting an insurance policy is paying against a calculated risk. People get  hurt or sick, and the insurance company takes this risk into consideration when  calculating the premium. The greater the risks, the higher the premium.

With increasing age, people are more susceptible to illness and injury.  Illnesses such as hypertension and diabetes require long term care and  medication, hence increasing the overall cost. Age is seen as a high risk factor  to the profitability of the insurance company. This results in the premiums for  senior citizen health insurance being higher.

However, there are some ways to help you prepare for this. When setting up  your 401K savings plan, make sure that you take into consideration both the cost  of living after retirement and the cost of health care. Include the projected  costs for the premium payments for the senior citizen health insurance.

Sign up for the plan prior to retirement as the plan will be less expensive  if you are younger at the beginning of the policy. Check the details to verify  that the plan covers everything that you want and is compatible with Medicare.  Your chosen plan should be supplemental to government provisions and is not  intended to replace them. Always read the policy carefully before signing the  acceptance of the policy.

While this may seem like an extreme expense, the additional coverage provided  by these policies is worth paying for considering the kind of expenses that  might be incurred.

When purchasing the senior citizen health insurance cover, shop around to get  the best possible rates and coverage for your needs.

To learn much more on other aspects of health insurance  [http://healthinsuranceconsiderations.com/] visit  healthinsuranceconsiderations.com where you will find information on how to find  affordable health insurance [http://healthinsuranceconsiderations.com/] and how  to ensure you get best value for your money.

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

 

Senior Citizen Insurance by Jerry Fatjo

April 24, 2013 by · Leave a Comment
Filed under: Articles 

Senior citizen insurance is used by people who are 65 years old or above. The  reason why this is a separate category of insurance is because senior citizens  tend to have more health related troubles, compared to younger people.

Therefore it is important for a senior citizen to find the right type of  insurance. They need to find insurance that is both affordable and offers good  coverage for their specific needs. Seniors do need insurance for the simple  reason that Medicare only provides partial coverage. The thing to do here is to  find out exactly what medicare covers and then have secondary insurance to cover  other expenses.

An example would be, Medicare part A will cover some of their inpatient care,  nursing home care and some health care. Medicare part B covers some types of  their outpatient hospital care, medical equipment and occupational therapy.

However, medicare of any type will usually not cover annual physicals. In  order to get this the patient may have to get the senior health insurance. This  is why it is important to check with your broker and see what exactly is covered  by medicare before getting insurance.

With the use of the internet it is easy nowadays to find an insurance company  that gives affordable rates. Although before getting your senior citizen  insurance coverage, it is always better to talk to an agent before signing  anything. Senior citizens can also qualify for some life insurance plans. There  is a common misconception that seniors do not have anybody directly dependent on  them, therefore they do not need life insurance policies.

This is simply not true in all cases and should be discussed with your  insurance agent or broker. The idea behind life insurance is to give financial  protection for family members. This way they are not left to pay for the funeral  and any unsettled debt that is left behind.

When it comes to the unfortunate situation, such as a loved one’s demise, you  will want to be sure everything or everyone is taken care of. This is especially  true if the person leaves behind a spouse and, or children. The surviving wife  or husband will have many expenses such as rent and health insurance. In this  case a life insurance policy will be of great help for the surviving family  member or members to take care of the daily, weekly, or even monthly living  expenses.

For more information on insurance for seniors check out  [http://www.senior-citizen-insurance-online.com/]

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

 

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

 

How to Find a College Grant If You’re a Senior Citizen by Edward J. Woods

April 15, 2013 by · Leave a Comment
Filed under: Articles 

The possibility of studying even in old age

We all undoubtedly understand the value of quality education especially in  this day and age. There is never such a thing as studying enough. There is  always something new that one can learn and that is why we are want to find out  whether it is possible to receive a college grant for senior citizens. The truth  of the matter is that it is very possible to get the college grant for senior  citizens. Some people sadly for them they think that senior persons are far  passed the capacity to undergo like the young people which is a very wrong  Norton. You may have invested your time and finances in your kids at an early  age and had to give up the idea of ever attending high level education however  this is the chance for you to realise your long awaited dream now that your kids  have attained their dreams.

Why would one go for the college grant for senior citizens?

Imagine yourself having kids and grandchildren. Imagine these kids all grown  up and taking care of you. Provided you with a beautiful house and paid for your  health insurance. You wouldn’t have to move a muscle in your anymore. It looks  like you might actually enjoy your retirement in perfectly good shape. So what  do you do with your newly found time? You might want venture into education,  perhaps do that course you have always wanted to do but could not o it due to  financial restrains and other responsibilities hence the college grants for  senior citizens comes in. you need to know that it is never too late. The truth  of the matter is that getting college grants for senior students is a lot  easier.

You realise that senior citizens have a greater chance of going back to  school compared to young kids directly from high school. And this is because  there are numerous state and online colleges that have quit comprehensive and  detailed degree programs specific for senior citizens and off course with  discounted tuition rates. The best thing about it is that there are college  grants for senior citizens hence you won’t have to worry about high costs given  that grants are not paid back to the donor, but are only given if the applicant  proves that he is worthy of the investment.

Government agencies and departments have offered tremendous support by  availing such facilities. At such a stage when getting college grants for the  senior citizens is a piece of cake, the only thing is to find out which school  you want to study in given the wide array of schools available and off course  the course that you want to pursue. The best way to hunt for a suitable school  of your choice is to go online. When applying for the college grant for senior  citizens you have to take note of the fact that there re requirements. For  instance a background check on your financial capabilities and restrains,  remember that financial is not given to anyone but anyone who have a limited  financial background but a passion for education and higher learning to be  exact.

If you think college is out of reach for you, for financial reasons, think  again. Find the best financial aid and grant opportunities at http://www.collegegrantsreview.com

Article Source: http://EzineArticles.com/?expert=Edward_J._Woods

Health Insurance For Senior Citizens by Ram Mohan Susarla

April 12, 2013 by · Leave a Comment
Filed under: Articles 

If you are a senior citizen and do not have health insurance, the thought of  having to go to an emergency room in case of illness may be troubling you. You  should have planned for your retirement but if you did not include the details  of having Health Insurance after you retire, you are at the mercy of the ER and  without coverage you may even have to forego treatment. For many people in the  US, health care costs often result in bankruptcy even when they have insurance  because not all illnesses are covered by the policy. When it can happen to the  people who have insurance, it can be a nightmare for those who do not have  it.

In recent months, the issue of health insurance for senior citizens has  received extraordinary coverage and attention in the US because of President  Obama’s plan to have universal health care available to all citizens. This  measure from the Obama administration has drawn critics and supporters alike and  the battle lines are drawn in an increasingly bitter battle. The issue at stake  is whether there should be a public option that would enable the senior citizens  access to health care provided for by the government. The public option does not  guarantee free coverage but includes an option for the employers and the  government to provide for an eventuality.

Senior citizens need healthcare and they need it more than the other age  groups as they need access to quality medical assistance because of their  advancing age that makes them vulnerable to disease and disability. It is for  this reason that medical care in many countries is free for senior citizens and  they have access to the best medical facilities. Likewise, the US should also  have a health care system that provides for its senior citizens and ensures that  they get proper treatment for their various ailments.

In the context of the baby boomers retiring in large numbers and without the  proper tools for some of them to plan adequately for their retirement and health  care, there should be a comprehensive plan for access to medical coverage by the  insurance companies as well as the government. There are several insurance  companies that have special plans for senior citizens as they allow for the  coverage with all facilities provided for them. However, there are other  companies that do not encourage coverage for senior citizens on the grounds that  they are a high risk category and hence the premiums do not justify coverage.  There are some commentators who call for an old age premium to be placed on the  coverage plan so that senior citizens can get coverage at the rates provided by  the insurers, albeit with a premium.

The point that is being made here is that senior citizens better plan for  their retirement when they are in their forties and fifties so that they do not  become a burden on their children and that they retain coverage beyond  retirement and after they are well into their sixties.

Freelance Writer with over two years of experience in content development,  academic writing and business writing. Specialist in Custom Writing and SEO  development with emphasis on plagiarism free and unique content.

I am an Engineer by training and was a Project Manager before switching to  Freelancing. I can take up assignments in the areas of Project Management, IT,  Economics, Management and Book reviews. I am well versed with academic  formatting styles like APA, MLA, and Harvard etc.

I am a deadline conscious writer who provides plagiarism free and quality  content. I believe in Customer delight and go the extra bit to fulfill the order  specifications. I maintain constant contact with the customer and notify  requests for deadline extensions in advance. I avoid plagiarism by citing  sources and offering original ideas and check my output with Copyscape and other  tools. I have access to online libraries like Questia in addition to a wide  collection of books and journals relevant to the fields in which I  work.

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

Article Source: http://EzineArticles.com/4335649

  • 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!