Health Insurance and The Aged

It’s no secret that the aged are anxious about the prices in general and the cost of health care in particular. Unfortunately, many elderly people fail to find the right health insurance coverage, and that makes them waive this advantage, thus threatening their health and even lives. The best way to get the necessary medical care is purchasing a senior health insurance policy. However, you can simultaneously make use of the following money-saving advice, and make your policy more affordable.

Tips to Find The Right Health Insurance Coverage

Even if you already enjoy Medicare coverage, it makes sense to purchase additional health policy.

If you are an elderly or near elderly person, take the advantage of special-purpose agents who will help you find affordable insurance coverage to fit your budget.

Top Tips How to Save Money

AARP (American Association of Retired Persons) advises you to take the following tips that will help you in saving money, which is the concern of many people, not only the aged. They can be effective in solving the problem of finding and paying necessary medical care.

- Prefer visiting a nurse practitioner to a doctor’s visit. This will provide substantial saving of expense and time, and high-quality service at diagnosing and care at the same time.

- Take advantage of health fairs, where you can get almost all types of medical examination, which will deliver you from going to a doctor.

- Find an in-store clinic (for example, at large pharmacies and retail stores), which again will help you to save time and money.

- Make use of a medical school, if there is any in the place of your permanent residence. Experts say the clinics at such medical schools render high-quality services at low cost.

- Think about some alternative ways of health care; there is a lot of information about them everywhere. Just make sure to be sensible in choosing the form of treatment, don’t go the limit.

- Consider registration at TelaDoc – thus you can get quick advice from real doctors for an initial payment of $35, plus an $18 registration fee and a small monthly fee; or just call your own doctor and ask for advice.

The above listed will help you to save money for doctor's visit, and the following – for medication:

- Shop around to find a better bid, because prices in different stores may vary considerably!

- At a drug store ask for generic or cheaper brands; don’t feel embarrassed to ask a pharmacist for the alternative of, say, combination of drugs instead of one and costly medication. Or buy store brands that are usually cheaper than name brands.

- Another way to save a bundle is to split tablets and pills in half; however make sure your doctor doesn’t mind you doing this.

- Find out at the Partnership for Prescription Assistance, sponsored by Johnson & Johnson, if you qualify for free or low-cost drugs from the manufacturer or the state.

- Find out if your doctor may offer you free samples.