Are you a senior citizen stuck in a health insurance crisis? Are you feeling tensed and helpless as you have no employer’s health insurance coverage any longer? Well you should be feeling that way as this is the phase of your life when you need the coverage a lot more than ever before. It may be that Medicare does cover a few of your medical expenses or that of your spouse, but may be that’s not enough to get the best rate on the health care insurance to cover those gaps that Medicare leaves behind.
Do you know what all are covered in Medicare?
Once a person, an American citizen attains 65 years of age, they become eligible for the Medicare systems run by the government and can hence get them enrolled. Medicare involves a number of programs like,
1) Medicare Part A: This is a coverage that takes care of all the in-patient treatment cares carried out in hospitals and nursing homes. It also includes hospice care and general health care as well. Most of the policy holders pay the premium for this particular coverage through their taxes hence monthly deductibles is not required.
2) Medicare Part B: This coverage plan covers all the services provided by the medical professionals and the outpatient hospital cares and the charges of the medical equipments and the occupational and the physical therapies carried out. For this a monthly premium and an annual deductible have to be paid.
3) Medicare Part C: This is a unique Medicare Advantage Plan that offers the senior citizens with several options to choose from among the various senior health insurance plans and their benefits.
4)Medicare Part D: This coverage plan covers all the prescription drugs that are suggested by the doctors.
In addition to the Medicare scheme, which is a state sponsored coverage, there is also the Medigap coverage which fills in for all the gaps in between the Medicare coverages. Hence these come in real handy as suitable Senior Health Insurance plans.
Cost effective Senior Health Insurance plans for Senior Citizens
As is already evident by now, Senior Health Care Plans can be really confusing at times. Thanks to the numerous web sites that give us the chance of comparing the various insurance leads, it has actually become possible to clear our doubts. Hence it has become possible for the customers to recognize upon suitable health insurance plans according to their needs and priorities. In fact, with a little online research it is actually possible for the senior citizens to find a plan that is available at a reasonable rate and at the same time gives effective coverage.
So what you basically need to do is go to an insurance comparison website and complete an online form that addresses you and your specific insurance needs. As soon as you submit the form you will start receiving quotes in return for affordable insurance plans from all the leading companies in the market. This should be the point of starting out.