I suppose a happy birthday song is in order to mark your turning sixty five. Life may start at forty but when your sixty five and feeling good about it, nothing beats that. You have a great life ahead of you. Those things that you always wanted to do like go out with your spouse or make new friends are now possible. You are no longer caught up in the day to day bustles that involve referring fights, getting your children to school or arguing over unpaid bill. No thanks, you’ve left that to your children. Speaking of which they called to inform you that your grandchildren will be coming for the holidays. It’s a sweet life but if you want to keep it that way you might want to consider getting a senior insurance.
Like the name suggests it is insurance for people who have or just about to turn sixty five, well almost. You also have access to it if you are about sixty five with a disability or if you have serious conditions at their final stage regardless of their age. You decide whether you prefer the hospital plan that covers outpatient , nursing and home health care services or a medical insurance that includes the benefits of a hospital insurance with preventive measures , come to think of it you can always choose both.
If more equals better , perhaps you might find the idea of advantage plans very intriguing. They are available through approved private insurance companies and cater for both the hospital and medical insurance as well as extra services that may include dental and visual services at an extra cost. There is more with access to the prescription drug plan being brought on board at an extra fee. Speaking of a prescription drug plan provisions are made for you to seek assistance if you have limited funds and assets.
Premiums for these plans have to be paid. Insurance is a life saver but it is important to understand that it has limits and cannot clear all your bills. In that respect it is important to have covers from multiple insurance companies to avoid unpleasant surprises. Always enroll for this policies at the time stipulated. They are penalties for general enrollment periods so you might want to avoid them. You usually have about seven months to enroll that is six months before turning sixty five, on your birthday month and six months after. There are always opportunities to make changes to your plans or chose to drop them altogether. Then you can lie back, put your feet on your table and enjoy the rest of your happily insured life . Sounds good? Well it is.