Senior health benefits refers to programs that exist specifically to help senior citizens stay and get healthy. These programs can be funded on a state or federal level, and aim to take some of the burden that heavy medical payments can put on a senior’s finances off of them. For people on a fixed income (as most seniors are), a new medication or unexpected trip to the hospital can be a terrible burden. For the senior or soon to become senior looking into their health insurance options, there are a few things that you should know.
The first thing is that federally controlled health insurance programs like Medicare are available once you turn 65. These programs can be confusing; for many seniors who want to use them in conjunction with their own existing health coverage, navigating from Part A through Parts B, C, and D can be confusing at best. There are helplines available at 1-800 numbers for this very reason. If you know that you’re going to be eligible soon, it’s best to get a start on your paperwork early. You can always call toll free (during business hours) and get your questions answered. That way, when you turn 65 you already know what your best options are and enrolling will be a stress-free process.
Senior benefits packages through private insurance also exist. You should examine your options carefully so you know which individual health plan is right for you. Keeping in mind that some of these plans will still require you to pay a copay or won’t cover everything, you have to strike a balance between what will give you good protection without breaking the bank. Most seniors face increasing health issues as time goes by, so a focus on preventative care is often in the best interests of those who want to stay and get healthy.