Gladys Said:

Why are Republicans against covering the health insurance of senior citizens?

We Answered:

Republicans consistently place their own political power and corporate greed over the well being of Americans. They left the donut hole in place because they don't care about seniors, or anyone else---except at election time, when they try to get people to vote Republican, basically getting people to against their own best interests

Danny Said:

Can you recommend health insurance for a senior citizen who is a permanent resident but never worked in USA?

We Answered:

AARP can provide good information on many health plan options for your FIL.
The best plan really depends on the level of care that he needs. If he is in pretty good shape and does not have a history of major health issues (Diabetes, cancer, heart disease etc) then you might be able to find a reasonable plan.

If he requires a lot of care, he'll receive it to keep him alive but you will be charged dearly for his care.

You may want to consider paying out of pocket and find doctors who charge reasonable prices for his care. One of the problems we have with insurance is that people have grown dependent on insurance. Some doctors in private practices are not taking insurance and are able to provide reasonably priced care for their patients.

Good luck.

Laurie Said:

Want to buy Health Insurance for Green card holders senior citizen parents?

We Answered:

If your father has lived in the U.S. for five years, he should be eligible for Medicare. He might have to pay a premium, though. The Medicare website says: “You will be eligible to apply for Medicare if you have paid into Social Security for at least 10 years or you are eligible to receive Social Security benefits on your spouse’s earnings. If you do not meet these requirements, you can still get Medicare hospital insurance (Part A) by paying a monthly premium if you are a citizen or a lawfully admitted alien who has lived in the U.S. for at least five years. Also, anyone who is age 65 and a citizen or a lawfully admitted alien with five years of residency in the United States can sign up for Medicare Part B medical insurance and pay a monthly premium.” Since your father did not sign up during the initial enrollment period at age 65, he will have to wait until the next General Enrollment Period, which is between January 1 and March 31 each year. There are exceptions to this, so contact Medicare.

Your mother will not be eligible for Medicare until she reaches 65. The easiest thing to do for her is to log on to a website like http://www.healthinsurancewiz.com and fill out a form requesting a quote. Her info will be sent to a health insurance broker who will contact her. A broker works with several health insurance companies, and can find the best deal. Brokers need referrals and a good reputation to stay in business, so they only work with reputable companies. There is no charge for the service and no obligation to buy.

Natalie Said:

As a senior citizen on medicare do I need additional health insurance. Presently I have both and it is costly.?

We Answered:

Medicare has two part that cover medical related expense. Part A is for hospital situations an if admitted your only cost in 2009 is a $1,068 deductible.

Part B is for all out patient medical expenses. It pays 80% of the Medicare rate for a specific treatment and the person pays 20%. Today so much treatment is done on an outpatient basis thus a Medicare Supplement plan, which pays the 20%, is needed.

In my area a very good Medicare Supplement can be purchased for about $190 a month. There would be an additional cost of about $40 for prescription coverage.

Another option to cover the medical treatment expenses Medicare does not pay is a Medicare Advantage plan. They normally cover medical and prescription and the monthly cost could be around $120 a month. A person currently on Medicare can enroll in a Medicare Advantage plan once a year during the annual open enrollment from Nov 15th to Dec 31.

Bruce Said:

Help! Where to get health insurance for a new immigrant who is a senior citizen?

We Answered:

if you live near a large city, there are free clinics!

Private Health insurance is very expensive!

tell me the State and City you live in!!

if you live in Florida, I can tell you where to go for help....

Jane Said:

Is there any Senior Citizens Health Insurance Policy available with no requirement of medical test?

We Answered:

Need more information. Is your father not eligible for Medicare?
Don
http://mtnhealthinsurance.com