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Almost 200,000 Americans have taken out private long-term health care insurance. This is one of the fastest growing types of insurance, in part, experts say, because this country's over-65 population is growing rapidly, in part because more people recognize that without such policies they may have to liquidate their savings to pay nursing home expenses.
There are a number of health [link widoczny dla zalogowanych] care plans designed for elderly people in the United States. Some of these programs are government mandates given to citizens at the age of 65, while others utilize private companies to fulfill the health care needs of the oldest [link widoczny dla zalogowanych] Americans.
Obtaining health insurance coverage is vital for the elderly. [link widoczny dla zalogowanych] Here are some details about health insurance plans available from the government and private insurers for elderly people:
Medicare Plans
The government offers elderly people two main levels of coverage. "Part A" covers hospital stays and various other medical expenses, while "Part B" pays for some additional services and items like health-related devices.
Most seniors are eligible for "Part A" without paying premiums. "Part [link widoczny dla zalogowanych] B" coverage costs about $96/month, more for people with high-income levels. "Part B" is subtracted from govt. benefits or billed quarterly.
Medicare Part A is one of the most prevalent health care [link widoczny dla zalogowanych] plans for the [link widoczny dla zalogowanych] elderly. [link widoczny dla zalogowanych] This government plan covers any citizen over [link widoczny dla zalogowanych] the age of 65 with hospital stays and short periods in a skilled nursing facility.
Part B of the Medicare insurance program allows for outpatient medical care. This plan covers physician and nursing care, a variety of procedures, and medical equipment such as canes and wheelchairs.
Elderly U.S. citizens typically become eligible for government-supplied Medicare insurance if they.
1.) Have reached 65 years of age.
2.) Have worked for ten years or more in job(s) where Medicare taxes were paid (or have a husband or [link widoczny dla zalogowanych] wife [link widoczny dla zalogowanych] who did this).
Additional Plans
Many insurers offer supplemental coverage for the elderly, which helps to pay for costs not covered (or partially covered) by Medicare. Prescription drug plans are available as part of this coverage, or separately.
Additional insurance is useful to pay for services like yearly [link widoczny dla zalogowanych] physical exams, treatment in other countries, and prescribed medications. Some of these plans also pay the regular Medicare coinsurance and/or deductibles.
Overall
The vast majority of elderly people can obtain "Part A" Medicare coverage, and "Part B" is affordable for many. Fairly inexpensive supplemental plans may prevent substantial out-of-pocket expenses following treatment, while covering some [link widoczny dla zalogowanych] additional services.
Rickey Pearce, an insurance agent, understands the importance of having the proper insurance coverage. Rocky Mountain Health Plans offers an affordable
Colorado Group Health Insurance
as well as individual plans. To see some of the most extensive varieties of health insurance plans and options available, visit Rocky Mountain Health Plans today!
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