If you are an senior citizen, you might be struggling to pay your medical bills, even if you have insurance. The cost of medical care has been rising, and individuals on a fixed income are feeling the strain. Fortunately, there are ways to find affordable insurance. Follow these tips if you need to find a health care plan that will not break the bank.
Talk To A Medicare ExpertIf you qualify for Medicare, this program should help you pay for some of your medical expenses. For many individuals, however, supplemental coverage is necessary. Because the Medicare system is quite complicated, it is best to speak with a Medicare expert regarding your coverage options. Many insurance companies employ Medicare specialists, you can explain both your government benefits and your supplemental coverage options.
Get Health Insurance Through An EmployerUnless you are retired, you might be able to get health insurance through your employer. Because employers usually cover at least part of the insurance plan's cost, this is one of the cheapest ways to get health insurance. If you are retired, but you still have plenty of energy and time, consider getting a part-time job that comes with medical benefits.
Compare Rates And PlansAnother great way to find affordable insurance is to compare rates and plans from different companies. You should compare rates whether you need a supplemental policy or a traditional health insurance plan. As a senior citizen, your rates might be slightly higher due to your age, but you should still be able to find a reasonably priced plan. Call both local and national insurance companies so that you can determine which agency charges the lowest rates. You can also compare insurance rates online. This method is usually the fastest, as you will not have to wait on hold to speak with an agent.
Consider A High Deductible Health PlanIf you do not yet qualify for Medicare and you need to purchase a health care policy, consider enrolling in a high deductible health plan. The monthly premium is usually much lower than the premium for a PPO plan with co-pays. Although you will need to pay for all medical visits until you reach your deductible, many preventative services are covered. Additionally, you can enroll in a health care savings fund that allows you to pay for medical costs using pre-tax dollars. This can lead to significant savings for many individuals.
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I just did this actually. Many companies offer comparatives once you get a quote online. Through Progressive and Geico especially, they compare there rates to others to show the difference. It saves you time and effort in finding affordable insurance.
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