Health Insurance for Senior Citizens – How to Get the Best Rate by Brian Stevens

As a senior citizen, you may find yourself in a health insurance crisis -  no  longer covered by an employer’s health insurance policy but needing health  insurance more than you ever did before. Of course, Medicare covers some of your  medical expenses, but how can you get the best rate on health insurance to cover  the gaps Medicare leaves?

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What Medicare Covers

Once you are 65 years old, you’re eligible to enroll in Medicare. Medicare  can include several programs:

* Medicare Part A, which helps cover inpatient hospital care, nursing home  care, hospice care, and some home health care. Most people pay for this coverage  through taxes, so they do not pay a deductible or monthly premium.

* Medicare Part B, which helps cover doctors’ services, outpatient hospital  care, medical equipment, physical and occupational therapy and some home health  care. Most people pay an annual deductible and a monthly premium for this health  plan.

* Medicare Part C, Medicare Advantage Plan, which offers you more choices  among health plans and extends your benefits.

* Medicare Part D, prescription drug coverage.

In addition, you may need MediGap coverage, which is health insurance that  covers what Medicare does not.

Affordable Health Insurance for Senior Citizens

As you can see, health insurance for senior citizens can be confusing.  Fortunately, insurance comparison websites can help you gain a clear picture of  what health insurance you need, as well as help you find that insurance at a  reasonable rate.

All you need to do is go to an insurance comparison website and complete a  simple form with information about yourself and your insurance needs. Once you  submit the form, you will soon receive quotes for affordable health insurance  from multiple A-rated insurance companies. And at the best insurance comparison  websites, insurance professionals are standing by to talk with you and answer  any health insurance questions you have. (See link below.)

Visit http://www.LowerRateQuotes.com/health-insurance.html or click on the following link to get health insurance quotes for senior citizens from top-rated  companies and see how much you can save. You can also get more insurance  tips there.

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in  the insurance and finance industries, and have written a number of articles on  health insurance for senior citizens.

Article Source: http://EzineArticles.com/?expert=Brian_Stevens

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