Insurance Health for Seniors: Three Items you Need

Read about the three things you need for Senior Insurance

by Amy De Vore+ on Apr 15, 2013

There are a few options for insurance health for seniors. The three things you need are Medicare, Medicare Supplemental, and a Prescription plan. Here’s how we’ve found the best way to captain your way through each of these.

1) Medicare Part A and Part B

Part A is hospitalization, while Part B covers general medicine. It makes the most sense to get both, plus you may need both to be eligible for supplemental plan.

2) Medicare Supplemental AKA Medigap

Choose the plan that fits your monthly budget, but will also offer you the most coverage in case of serious illness. Medigap offers from the basic, Plan A, to comprehensive, Plan F.

Under these plans you’re covered for:
•Up to the first three pints of blood of a transfusion
•Part A hospice care coinsurance
•Part B coinsurance
•Extended hospital stays.

In the more comprehensive Medigap plans, you are covered for your health insurance during foreign travel, deductibles, skilled nursing coinsurance, and Part B excess charges.

Medigap Plan F high-deductible.
This plan will save you money each month on the premium, offers the same coverage as original Plan F, however you will have to meet your deductible for services. To learn more about Medigap read the article Health Insurance Supplements: Medigap Plans.

3) Prescription Plan AKA Medicare Part D

This adds prescription coverage to your original Medicare plan. You should know that Medicare and Medigap do not offer prescription coverage. 

Next Steps
If you have any further questions about Medicare or for a specific Medigap quote call the number above or click on one of the buttons below.

Print Friendly Version

Reader Comments and Questions

(Click here to leave a comment)

Leave a Question or Comment Below

If you would like to receive an instant answer, try our new answerbot to the right! --->

We are a small but energetic team! If you are already working with an insurance agent, please direct your question to him or her.

If you do not have an agent (or you are unsatisfied with your agent's knowledge or service), shoot us your question below and consider enrolling in a plan through Senior65! For more check out "Why work with Senior65?"












We will not publish your last name or email if you submit this form.



It's 100% FREE to work with Senior65

Call our licensed agent today at 800-930-7956. Click here to learn 5 great reasons to work with Senior65.com