Insurance Agency for the Retired, Elderly, and the Disabled

Insurance for Seniors: What You Need to Know

As you age, your health needs change. You may be more likely to develop chronic health conditions, and you may need more frequent medical care. This is why it’s important to have comprehensive health insurance coverage as you get older.

There are a number of different types of health insurance available to seniors, including:

• Medicare: Medicare is a federal health insurance program for people 65 and older, as well as people with certain disabilities. Medicare has four parts:
  • Part A covers hospital stays, skilled nursing facility stays, hospice care, and home health care.
  • Part B covers doctor visits, outpatient care, and preventive services.
  • Part C, also known as Medicare Advantage, is a private health insurance plan that provides all of the benefits of Medicare Part A and Part B, as well as additional benefits, such as prescription drug coverage, dental care, and vision care.
  • Part D covers prescription drugs.
• Medicaid: Medicaid is a government-funded health insurance program for low-income individuals and families. Eligibility for Medicaid varies from state to state.
• Private health insurance: Private health insurance is health insurance that is purchased from a private company. There are many different types of private health insurance plans available, with varying levels of coverage and costs.

The best type of health insurance for you will depend on your individual needs and circumstances. If you’re not sure which type of health insurance is right for you, you can talk to a health insurance agent or a financial advisor.

What to Look for in a Senior Health Insurance Plan

When you’re shopping for a senior health insurance plan, there are a few things you should keep in mind:

• Coverage: Make sure the plan covers the services you need. This includes doctor visits, hospital stays, prescription drugs, and other essential healthcare services.
• Cost: Health insurance can be expensive, so make sure you choose a plan that fits your budget.
• Network: Make sure the plan has a network of doctors and hospitals that you’re comfortable with.
• Customer service: Make sure the plan has good customer service in case you have any questions or problems.

If you’re not sure how to choose a senior health insurance plan, you can talk to a health insurance agent or a financial advisor. They can help you compare plans and find the best plan for your needs.

Ashford Insurance

Ashford Insurance is an independent insurance agency that specializes in helping seniors find the right health insurance plan. We have a team of experienced agents who can help you compare plans and find the best plan for your needs. We also offer free consultations, so you can get the help you need without any obligation.

If you’re looking for a senior health insurance plan, contact Ashford Insurance today. We’ll be happy to help you find the best plan for your needs.