Health insurance is a necessity. Even if you’re the healthiest person ever or are on a very tight budget, you have to have it. So, let’s talk about it.
Most people get health insurance through their or their spouse’s employer. This is called group health insurance. There are plenty of benefits to this, the biggest one being coverage at an in-direct cost. Most of the time, you aren’t paying for group health insurance, it either comes out of your paycheck or is simply covered by your employer.
Most policies charge a monthly premium fee. Then, you’ll have a deductible to meet before you receive certain benefits. For instance, you may have to pay a $350 deductible before your policy will cover your emergency room visit.
Different policies have different benefits as well, and people may have multiple policies in order to get more well-rounded coverage.
But, we’re Senior Benefits Plus, and we care a lot about health insurance after retirement. If health insurance is oftentimes tied to an employer, what happens when your employment ends?
The easiest and best solution is Medicare. You become eligible for Medicare at age 65 but can even start to receive benefits as early as 62. Original Medicare (Part A and Part B) covers hospital and skilled nursing facility visits, as well as general medical care for things like checkups and preventative care.
If you don’t yet qualify for Medicare, other health insurance options that could be beneficial to you include:
You can get health insurance through the health insurance marketplace. But, if you’re a senior and want Medicare, you can simply enroll through Social Security when eligible.
If you’re looking for more Medicare coverage, or just health insurance in general, to get the best coverage, you need to compare available insurance plans in your area.
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