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California Health Insurance Senior Article
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Affordable Supplemental Health Insurance for Seniors
from:It’s a fact of life that, as we age, our bodies begin to break down, and long term medication is necessary, as well as more frequent visits to the doctor. For years, our seniors have depended on government provisions for health care upon retirement. However, in recent years, Medicare has changed, and even with the numerous plans offered, the coverage is not enough to protect our elderly. Now, with the threat of the fixed income from Social Security being eliminated, it is even more important to find affordable supplemental health insurance for seniors.
While it may seem that most of these programs cost an outrageous amount of money, the cost of the program usually still amounts to less than the full price of the medications and doctor bills incurred after retirement. Also, it is possible to find affordable supplemental health insurance for seniors. Various programs with low premiums are available, offering excellent benefits services.
When considering affordable supplemental health insurance for seniors, it is essential to read through all the terms and conditions, including the fine print. When you find a plan that seems affordable, you want to make sure there is no clause stating that it cannot be combined with any other insurance plan, since this is meant to supplement Medicare. Otherwise, you are simply wasting money. You also want to know exactly what is covered, at what additional percentage it is covered, and how often the premium increases (it is virtually impossible to find affordable supplemental health insurance for seniors that doesn’t increase the premium with age of the individual covered).
In many instances, seniors must see specialists for particular problems, and while Medicare may not cover such a necessity, most affordable supplemental health insurance for seniors policies will. Always read the policy carefully prior to signing the acceptance of the policy, and guarantee in writing that the coverage is what it claims to be. Supplemental health insurance for seniors may also cover additional doctor visits above and beyond the allowance of whatever Medicare policy is held by the insured. For this reason, it may be a good idea to check with the primary care provider for additional information on available affordable supplemental health insurance for seniors, as they are often aware of these plans.
In many cases, it may seem like an extreme expense, but the additional coverage provided by one of these policies is worth the premiums charged. Starting early at a lower price may save some pocket money later on as the monthly cost rises with age. However, a policy that costs one hundred dollars per month as opposed to prescription and doctor’s costs of over one thousand dollars is definitely worth the expense.