Health insurance can be quite complicated - for older people it looks
the picture is often more confusing. Most older people do not work, and many of them are sick.
health or have special medical needs. And many older people rely on state-funded
assistant accommodations - about 1 million older people live around
30,000 dwellings throughout the country.
Most older people are eligible for Medicare or Medicaid, depending on their income.
and the situation. Medicare is available for those who are at least 65 years old and
legally lived in the United States for at least 5 years before filing an application. Medigap
insurance is supplemental medical insurance issued by some older people as a way to
supplementing their Medicare insurance.
Medicaid is funded by the government and managed by individual
their insurance department. Medicaid qualifications also depend on
individual assets, income and type of residence. Medicaid will usually cover
most or all of the costs of nursing home and accompanying care
it's necessary.
Some older people, because of their particularly low income or certain disabilities, may
may also claim additional security revenue (SSI), managed
Social Security Administration. This program offers several benefits.
including the provision of monthly additional payments, food stamps and assistance
with hospital visits and medication costs.
If you are not eligible for Medicaid, what is known as long-term insurance can
be purchased for a long stay in nursing homes or with the assistance of residential premises.
If you buy long-term insurance, you should think about what is different.
benefits are covered by the plan, the cost of premium and
the policy covers pre-existing conditions.
Older people can also use health care services.
Organizations (HMOs) HMOs usually accept Medicare payments and offer lower costs.
franchises or co-payments. They also pay special attention to preventive medicine.
as well as the actual treatment, and many of them provide eye care, dental services and
emergency assistance if necessary.
