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November 15, 2023
Garrett Hoffmann

Senior Health Insurance Tips

Securing access to essential health care services is important for people of all ages but may be particularly necessary as you age. Although you may be diligent and responsible in maintaining your health and wellness, your aging body may inevitably require more frequent and significant medical attention. With this in mind, you may need to take extra care to ensure appropriate health insurance, which can provide access to critical medical services.Doctor holding a stethoscope

What Are the Options for Senior Citizens Seeking Health Insurance?

As a senior, you may have access to several options as it relates to health insurance. If you are still working, you may continue to have access to coverage through your employer and an employer-sponsored group health insurance plan. However, if you’ve retired or plan to do so in the near future, you may need to seek an alternate approach.

Fortunately, senior citizens often have many other ways to acquire and maintain an adequate health insurance policy. The Health Insurance Marketplace continues to offer many levels of coverage compliant with the Affordable Care Act; private insurance companies can also offer individual and family plans. In addition, seniors may eligible for Medicare, Medicaid and Medigap.

What Are Key Medicare Tips for Seniors to Consider?

Medicare is a government-sponsored program that provides health insurance coverage to people over the age of 65 and other qualifying individuals, such as those with certain disabilities or health conditions.

Health insurance acquired through Medicare may be customized to suit your unique circumstances. For example, if you want to limit costs, Medicare Parts A and B, also known as Original Medicare, may be an ideal choice. If you want to add additional services, such as dental and vision care or specific prescription drugs, Medicare Parts C and D may be necessary, respectively.

Making the best use of Medicare can be a complicated process. Fortunately, the following are some steps that may help optimize your experience:

  • Create and maintain a secure online Medicare account, including up-to-date information about your prescriptions, claims and covered preventive services, as well as access to helpful resources.
  • Establish a trusted person with whom Medicare personnel can discuss the details of your health care, including claims and billing, by providing written permission.
  • Look into whether you may qualify for cost savings programs, such as for your premiums and medications.
  • Get started with a free preventive visit during your first year with Medicare, including discussions about your medical history and health care needs.

How Can Seniors Find the Right Health Insurance Coverage?

As a senior, you may have various ways to get health insurance, but assessing your options and ensuring you make the right choices can be a complicated process. Consider consulting with a qualified professional, such as those at BenefitsDrive. Visit our website or call 844-385-4400 to learn more about your health insurance options and ensure optimal coverage.


This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.

Categories: Blog

Tags: Health Insurance

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