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
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
The people of HCR ManorCare bring genuine compassion to health care and considerable skills to post-hospital and long-term care.
Our mission continues to expand to meet the needs and health care goals of individuals who are discharged from the hospital and require additional nursing and rehabilitation care.
One person at a time, HCR ManorCare is raising the bar for patient-focused, short-term, outcomes-focused health care.
About Life Care
Your family is special with its deep bonds and unique relationships. Facing a dramatic change – such as moving a loved one into assisted living or a nursing home – is an unsettling prospect for most people. Life Care Centers have helped families for decades to work through the difficult decisions about how best to care for their loved ones. We understand how trying it is to choose nursing home care for your loved one, and how most struggling caretakers feel there is no other choice.
That’s why we’re here.
We want those special members of your family to become equally special members of ours. We want to relieve the anxiety and frustration you may be experiencing by providing a nursing home community of constant support, attention and personalized care. Above all, we want to serve each person entrusted to us with compassion, dignity, purpose and respect.
That’s not just our goal. It’s our privilege.
At Life Care Centers of America, we take elderly care very seriously. That’s why we offer residents a wide range of living arrangements and amenities, services and care. From home assisted living to retirement living to nursing homes – and even campuses that offer all three in a continuum of care – Life Care has the experience, expertise, and dedication to provide a full scope of specialty services.
Whether your needs include Alzheimer’s care, in-home nursing care, rehabilitation or recovery help, or any of a number of other specialty services, Life Care will be there, with all the support, education, and commitment you and your loved one need.
Life can deliver some unexpected twists: accidents, sudden illnesses or emergency surgeries can happen when you least expect them. And in the aftermath of such events, your energy is focused primarily on recovery—trying to also find the best available resources for help can be pretty challenging.
At Life Care, we understand the intense desire to recuperate and get back to normal as quickly as possible. But serious illness or trauma can sometimes force you to relearn even basic functions. The struggle to regain those lost capabilities while still recovering is frustrating and often overwhelming.
That’s when our teams of experts can make an overwhelming difference. Our skilled therapy services can hasten your recovery, help return lost skills and bring back strength and mobility. Our caring professionals work tirelessly with our residents not only in physical areas, but also by constantly supporting and encouraging them emotionally.
We believe our residents are the extraordinary people who refuse to allow temporary setbacks or disabilities to affect them permanently. Their determination and effort become invaluable tools in the rehabilitation process.
And it is our greatest privilege to partner with them—or you, or your loved one—during recovery … and become your strongest advocates in the road to reclaiming total wellness.
Life Care Centers of America
The sun setting is no less beautiful that the sun rising.
Imagine living in a beautiful, peaceful environment, surrounded by friends and activities.
Caring for Life…
Since 1970, Life Care Centers of America has been providing unequaled nursing care and assisted living service. Our continuum of care campuses give our residents an individual care plan through various levels of care. But it\’s our commitment to quality and professionalism that makes us second to none.
2325 E. Harmon
Las Vegas, NV 89119