Welcome to Its About Seniors
For a permanent link to this article, click here
Health Insurance for Seniors
from: Its About SeniorsOutside of governmental provisions such as Medicare and Medicaid, it can be difficult to secure health insurance for seniors. With the programs offered through Medicare, which are becoming more diverse as time goes on, one might wonder why additional health insurance for seniors would be necessary. After all, certain medications can be secured for free, some medical care is covered at one hundred percent, and premiums are often reasonable.
However, Medicare is a plan that is available to mostly to retired people living on Social Security provisions. This limited income makes it difficult enough to pay for every day expenses without including the added cost of health care. Also, there are many medications that the elderly need, which are not covered by Medicare, and most of them are quite expensive. In order to get by, it is necessary to provide additional health insurance for seniors on limited income.
There are programs available to assist in covering the additional cost of expensive meds and doctor visits that are not covered by Medicare. However, many of these programs are quite expensive and only become more so as the individual who is covered ages. Sometimes, it may seem that you must choose the lesser of the two evils, expensive medicine or expensive insurance. However, there is more than one way to secure less expensive health insurance for seniors.
One way is to begin paying for a health insurance program when the individual is still under the age of a senior citizen, for which the premium will be lower. Then, as the individual ages, though the cost of the program will increase, it will do so to a lesser degree, saving a few dollars a month on the premium. Another is to secure one of the pennies a day health insurance for seniors policies advertised often. Beware of these though, some do not cover much beyond what Medicare already takes care of and are simply a waste of money.
Whatever additional health insurance for seniors you decide to purchase, read the policy carefully before signing the bottom line. It is most important to know what the policy entails, what is covered, what the premium is and will be in the future, and how frequent the increases will be. With limited income, seniors have a hard enough time scraping by, and with the threat of Social Security running dry in the near future, it may be even tougher to make ends meet. Choosing the right supplemental insurance policy is essential to keeping costs of both insurance and medical needs at a minimum.
Senior Gated Community News
St. Louis Senior Care Company Participate in National Geriatric Care Manager Month - PRWeb
In observance of this month, Home Care Assistance will be offering its clients a complimentary legal and financial screening assessment given by Althea West, Director – Care Services. Many of the families we work with are experiencing stress and often ...
Read more...Health fair offers resources seniors and caregivers - Star-Tribune
Vendors will provide information on senior activities, home care, respite programs, exercise and fitness for seniors, beareavement support, hospice care, financial planning, home securtiy and safety, safe driving, medical care and health screenings.
Read more...AG: More than 200 seniors defrauded in home-care scam - msnbc.com
An Upper Southampton man is among four suspects arrested Monday on charges of bilking more than a combined $700,000 from 200-plus seniors in a multi-pronged fraud scam involving home care, home security services and long-term care insurance. Ross M.
Read more...Sedalia Senior Center to host dog walk - Sedalia Democrat
Care Connection for Aging Services and the Sedalia Senior Center will participate in the 19th annual National Senior Health and Fitness Day on May 30. As an official host site, the Sedalia Senior Center will host a dog walk on the Katy Trail.
Read more...State attorney general announces charges in widespread senior scam - Allentown Morning Call
NORRISTOWN -- To more than 200 Pennsylvania senior citizens who thought they were getting a helping hand, American Comfort Home Care Services may have seemed like a bargain. In reality, the company and two others run by men from the Philadelphia ...
Read more...