Options of Senior Medical Insurance

People at a respectable age are in serious need of health insurance because their health condition is not getting any better and they require medical care and health care more often than younger people. Unfortunately, at the age they need it most, seniors citizens have the hardest time in finding health insurance. They are not covered by their employer's plan anymore and the cost of senior medical insurance is extremely high.

There are still options for seniors in need of senior medical insurance. The first, but not the only one is Medicare. This pays for part of the medical expenses of people aged more than 65 years. Medicare is a pretty complex plan and it has more parts. Part A is also known as hospital coverage and it doesn't require you to pay for it. All you need to do is to apply and then you'll have coverage for hospitalization and for some of the costs that you incur after leaving the hospital. Medicare part A is covering some of the expenses with home care, supplies or physical therapy. Starting with part B and up to part D, you have to pay premiums and to support deductibles. The coverage is getting more and more complex. Part B covers for treatments that don't need hospitalization, for doctor appointments and for tests. Part C provides more coverage and part D even pays for prescribed pills.

Those that need more coverage than what Medicare provides can buy a MediGap policy. It covers those expenses that are not covered by Medicare and it can also cover your deductibles. This is sold by private senior medical insurance providers and in order to be allowed to get it, you need to first have Medicare part A and B.

You can find out the rates for MediGap policies if you go online and ask for free quotes from insurance companies. There are comparison websites that ask the quotes for you.