How to Get Affordable Senior Medicare Supplemental Health Insurance

Senior citizens these days are presented with a wide variety of options when it comes to supplemental insurance. Most seniors, even if they have Medicare, are going to need additional supplemental insurance to take care of costs that Medicare does not cover. There are so many choices out there that it can be hard to know what to pick. For starters, one could consider Medicare Part B as a supplement to regular Medicare.

Some people may not know the difference between Medicare Part A and Medicare Part B. Medicare Part A is designed to pay for inpatient hospital visits, home health care and hospice care. Medicare Part B, on the other hand, takes care of expenses like outpatient hospital care and doctor appointments. Some medical equipment is also covered under Medicare Part B. Medicare Part D is another supplemental form of insurance that covers prescription medications.

Another option for seniors is a managed care plan. This means that a group of doctors and hospitals have agreed to provide medical care to senior citizens in exchange for payment from Medicare. These plans require you to only use certain hospitals and doctors who are participants in the managed care plan. This is often a good choice if your preferred hospital and doctor are participants. If they are not, you may want to go with a different form of supplemental insurance.

There are even more options available for seniors these days, such as private plans and religious fraternal benefit plans. If you are confused about what is best for you, speak to a representative at your local department of Social Services. They can tell you more about the different Medicare supplementals and help guide you towards the right choice for your needs.

The Internet can also be an ideal place to learn more about supplemental insurance for senior citizens. The Medicare web site is one resource where you can learn more details about not only Medicare Part A but the available supplement programs. You can also try performing a search engine query to find information about non-Medicare supplemental insurance plans that might be perfect for your individual needs.