A Guide to
Senior Health Insurance

Do you want to know about various benefits that may be available to you?

Then you have come to the right place. We are here to help.

We all know with age comes increasing health problems, and therefore increase in medical expenses.

The lack of adequate senior health insurance further aggravates this situation.

According to Kaiser Permanente, health insurance significantly affects access to health care and financial well-being of families.

Those who are uninsured are more likely to forego doctor visits and medical treatment.

Delaying or foregoing treatment may lead to serious illnesses and hospitalizations for conditions that could have been avoided such as pneumonia and uncontrolled diabetes.

In addition, the uninsured are also more likely to be diagnosed with late stage cancer. Death rates for the uninsured with cancer are significantly higher compared to those with insurance.

While Medicare covers over 40 million Americans, Medicare alone or the safety net provided by community health clinics is not enough to provide sufficient coverage for you or your aging family members.

You will also find useful links that will help you access other senior health care benefits that you may be entitled to.

So please take your time to read this guide.

If you are planning to retire or are already retired, here are the various senior health insurance options available to you:

• Medicare - Medicare is the national health insurance program for people 65 and older, and for eligible people who are under 65 and disabled, including people with end-stage renal disease (ESRD)...
• Medicare Advantage - Medicare Advantage expands health care options for Medicare beneficiaries through a private senior health insurance plan...
• Medigap Insurance - Medigap covers the 'gaps' in Medicare coverage, helps you lower you out-of-pocket costs and get more senior health coverage...
• Medicare Savings Program - Medicare Savings Program helps pay for Medicare premium costs and more...
• Medicaid - Medicaid provides medical care to certain individuals and families with low incomes and resources...
• Prescription Assistance Program - Provides financial assistance if you can not afford the cost of prescription medications...
• Long Term Care - Long term care refers to a wide range of medical and non-medical services given to people with chronic illness or disability who are unable to care for themselves...

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