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Senior Health Insurance Plan Article
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2 - Health insurance for seniors
from:Health insurance for seniors: Are there options?
Health insurance is especially important to seniors because it is a natural fact of life that as we age our health deteriorates. Medicine and medical care can and does become rather expensive. Health insurance for seniors with fixed incomes can become a major problem. Sadly, there are millions of aged Americans without any form of health insurance. However, there are a number of options that can help seniors get fairly good health insurance. First of all, there are many agencies that exist to help the elderly or their caregivers get the information they need to make informed decisions about health insurance for seniors. One such program is the Seniors’ Health Insurance Information Program (SHIP) established in North Carolina in 1989.
AARP is a popular health insurance for seniors. It is available for any adult fifty and over. The benefits offered vary and it is necessary to read the fine print to get the maximum benefits. AARP offers a number of health insurance options for seniors, namely:
* Supplemental health insurance (basic and enhanced plans)
* Dental care health insurance
With this plan, you can keep your own dentist, and best of all, your entire family is covered.
* Long term care insurance
* Medicare Supplemental insurance
Medicare is a federal health insurance plan that offers health insurance for seniors through the Department of Health and Human Services. Members have to be aged sixty-five or older to qualify unless they are disabled. Seniors with disabilities can become members at age fifty-five. There are two main parts to this plan, Part A for hospitalization and Part B for non-hospitalization services such as doctor’s visits. Apart from prescription drugs, Medicare also covers screening for certain preventative illnesses. Medicare began a new program in January 2006 which will help make it easier for members to pay for the medication they need under the Medicare Prescription Drug Plan. To benefit under this plan, seniors will need to register.
Medigap, also known as Medicare Supplement Insurance, is a health insurance for seniors sold by private insurance companies. This plan helps to deal with areas not covered, hence the name Medigap, such as, copayments and deductibles. Seniors must pay a monthly premium to the issuing insurance company.
Medicaid, a state administered program is specially formulated for low income individuals including seniors.
In addition to those health insurance options for seniors mentioned above, there are lots more offered by private companies. It may be necessary to combine different types of health insurance for seniors to ensure that all your health insurance needs are met. As with all insurance, it is necessary to have a knowledgeable person go over the fine print before you commit to buying.
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Senior Health Insurance Plan News
Obama Plan for Government Insurance Criticized by GOP (Bloomberg via Yahoo! News)
Jan. 8 (Bloomberg) -- President-elect Barack Obama’s plan to have new government health insurance compete with private coverage drew Republican fire at a nomination hearing for Thomas A. Daschle to run the Health and Human Services Department.
Read more...Daschle to Face Tough Questions on Competition in Health Insurance (New York Times)
At a confirmation hearing Thursday, Tom Daschle will most likely be asked about Barack Obama?s call for a new public health insurance plan.
Read more...Gov. Proposes Dependent Health Insurance Through Age 29 (WENY-TV)
Among the many things Gov. David Paterson touched on in his State of the State Address Wednesday is health care. One of the governor's proposals is to extend private family health insurance coverage to dependents up to age 29.
Read more...Obama says his economic plan will be refined (Deseret Morning News)
President-elect Barack Obama said Friday that he and Congress will "hone and refine" his nearly $800 billion economic recovery plan, as he seeks to patch fissures with senior Democrats over key features of the still-emerging plan.
Read more...Obama says his economic plan will be refined (Las Vegas Sun)
Fri, Jan 9, 2009 (9:33 a.m.) President-elect Barack Obama said Friday that he and Congress will "hone and refine" his nearly $800 billion economic recovery plan, as he seeks to patch fissures with senior Democrats over key features of the still-emerging plan.
Read more...Governor proposes health coverage for adult children (The Buffalo News)
ALBANY –New York would join a growing list of states permitting young adults as old as 29 to remain on their parents' health insurance policies under a plan Gov. David A. Paterson will propose today during his first State of the State address in the Capitol.
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