When it comes to choosing health insurance for seniors over 70, it is important to pick a plan that best meets the individual’s needs. A few factors to consider when choosing health insurance for seniors over 70 are: coverage for pre-existing conditions, coverage for prescription drugs, coverage for doctor visits and other treatments, flexibility to choose doctors and hospitals, and pricing.
Medicare is a good option for seniors over 70. Medicare has three parts—Original Medicare, Medicare Advantage, and Medicare Prescription Drug Plans. Under Original Medicare, Part A and Part B, seniors can get coverage for hospital stays, doctor visits, preventive care, durable medical equipment and more. However, it does not cover things like vision or dental care.
Medicare Advantage, often referred to as Part C, offers additional coverage including vision, dental, and hearing care, health savings accounts and more. These plans provide another layer of coverage on top of Original Medicare. Medicare Prescription Drug Plans, also known as Part D, cover the costs of certain prescription medications.
For seniors over 70 considering private or employer-based health insurance, some of these plans provide good coverage and often contain supplemental benefits that may not be included in Medicare. It is important to compare different plans to find the best option for coverage and pricing.
No matter what plan is chosen, for seniors over 70 it is important to make sure the plan meets their individual needs and is providing the necessary coverage.
