Senior Health Insurance Article

Senior Health Insurance Programs

As you grow older, you’ve got more health risks and ailments to contend with, which raises the importance of purchasing a senior health insurance program. However, many seniors often hesitate, presuming that a health insurance policy at their age may simply not be affordable. But it is possible to buy a senior health insurance program at a competitive price, and it may very well be worthwhile.

Medicare is Not Comprehensive

Today, there is an increasing demand for health insurance coverage in addition to Medicare, and many reputable insurance companies are offering health insurance policies for seniors at affordable rates. If you are not clear on exactly what Medicare has to offer, you should be aware that Medicare will cover some, but not all of your medical expenditures.

For example, Medicare Part A is your basic hospital insurance.  It will cover your costs while you are receiving care in the hospital and will also cover skilled nursing services, hospice care and some home health care.

Medicare Part B functions like basic medical insurance.  It covers doctor’s fees, any medical equipment needed, outpatient hospital care, occupational and physical therapy and other health related expenditures.  You will have to pay both an annual deductible and monthly premium for Medicare Part B.

Medicare Part C offers what are called “Medicare Advantage Plans” which allow you to buy plans combining parts A and B, plus other additional benefits like prescription drug coverage.

Medicare Part D is the most recent addition to the Medicare family and it is the stand-alone prescription drug coverage.

So Why do You Need a Senior Health Insurance Program?

Medicare does cover many of the more serious health conditions, however other routine expenses, such as the cost of annual check ups are not covered by the program.  These can really add up, especially if you have any chronic conditions. So you may want to consider getting an additional senior health insurance program that will offer coverage over the gaps left by Medicare. These policies that cover medical expenditures not included in Medicare are known as Medigap insurance policies.

How to Get a Cheap Senior Health Insurance Program or “Medigap” Policy

In order to enroll in any Medigap policy, you will first have to be covered by Medicare Part A and Part B.  Once you’re enrolled in Medicare A and B, it’s time to research the Medigap policies.  The easiest thing to do is visit a health insurance brokerage website like ours (Medicoverage) to compare plans and prices.  You can get a bunch of quotes in as little as 10 seconds by simply entering your zip code at the top of the page.  You can also browse through our summary of the generic Medigap plan definitions on our Available Medigap Plans page.

Now that you’ve learned how to get a Medigap policy, learn if Medigap covers dental.

It’s impossible to predict when you’ll get seriously ill or injured—especially after the age of 60—and many insurers will reject an applicant with a pre-existing condition.  So, it’s best to do the research and purchase the right senior health insurance coverage program for you, before you really need it. For a more comprehensive overview of Senior Medigap visit

Comments and Questions

Click to leave a Comment
  • Comment from Loanemu on May 13, 2015

    Thank you ever so for you blog article.Much thanks again. Want more.

Leave a Question or Comment

A moderator turned off commenting for this post