seniors
Ok – we’ll define
‘Seniors’ loosely as anyone age 65 or more because that’s when medicare normally kicks in.
As a Senior, perhaps the first thing you’ll want to know is when to sign up? You can call the Social Security office (check on-line for a local number: www.ssa.gov/reach.htm ) 3 months before your 65th birthday. At this point, your retirement 'age' may not coincide with your medicare age - that's ok.
Information here, is about how medicare and available supplements work together to provide seniors with health insurance, and information on the RX program introduced last year called Part D. Listed below are some points of interest for seniors.
Medicare/supplements
 |
First, know that Medicare itself WILL NOT COVER ALL of your healthcare needs as you age and have need for more health services. So if you're not planning to get supplemental coverage now, there is a strong chance you'll need it at some point. |
| The government has defined the Supplemental Plans (2007) that insurance companies can offer seniors. Supplemental plans have changed as of 1/1/2006! Plans H, I, and J no longer be offered WITH prescription coverage beginning January 2006. See Medicare Part D below. |
| Although the Supplemental Plans themselves are the same, the monthly premiums vary from insurance carrier to insurance carrier and not all carriers offer all 'available' plans. |
Part D, prescription (RX) coverage
| For the first time since medicare was introduced in the mid 60s there have been MAJOR changes to medicare offerings beginning in January 2006! |
| Medicare Part D; drug coverage starting 1/1/2006. Click here for on-line governmental information about Part D |
| Each insurance carrier offering Medicare Part D drug coverage will be different within governmental guidelines. |
| 2007 enrollment in Part D begins November 15th 2006 and runs through December 31st 2006. |
On the Supplemental
Plans (2007)
page, the Plan
Coverage's are outlined
and beyond that (on another page), we’ve included the monthly premium, per plan by age from
several carriers.
Here are more links of interest to seniors
Medicare Prescription Drug Coverage Savewell Medicare Part D ClevelandClinic SeniorMag Prescription Drug Coverage Greater Cleveland Senior Services Qualityeldercare Ohio Dept on Aging
If you are looking for assistance programs, you might want to look here: BenefitsCheckUp.org. Make sure you have birthdates, zip codes, monthly incomes, current meds and medical costs and any help they you are currently receiving before accessing this site. We found it very helpful.
If you want to look into specific health insurance for yourself, click GET a QUOTE below or contact us at: 440.247.2229 or e-mail at: info@HealthHelpOhio.net.
Click GET a
QUOTE,
complete the protected Health Risk Questionnaire and click Submit.
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