Senior Supplemental Health Insurance

Many health insurance plans, while substantive in their coverage, do not cover all health services that seniors may desire. For those services, health insurance that supplements Medicare or private coverage is available to seniors. These plans vary according to member needs. Supplemental senior health insurance plans can help pay for co-pays, prescription drug coverage, hospital stays, high deductibles, laboratory tests, and more.

For seniors who are frequently in the hospital, supplemental insurance can make the stays covered by primary insurance more tolerable and affordable. Some plans give a daily cash allowance for members in the hospital to use as they please. Typically, supplemental health insurance premiums do not increase as you age, and you are not singled out for rate increases based on health or age.

Supplemental health insurance for seniors also provides extra benefits for preventive care and wellness. For example, members can receive direct payout or cash for alternative medicine, checkups, chiropractic visits, and even cosmetic surgery. Prescription drugs will be cheaper under these plans, and options for optical coverage are also available.

Supplemental health insurance is also an add-on for seniors with Medicare coverage, and can fill in the gaps in Medicare coverage. For example, this kind of plan will remove limits on the network doctors and hospitals a patient can visit.

Some other benefits of supplemental senior health insurance can include:

• charges for outpatient benefits performed in a hospital or emergency center
• additional laboratory and pathology tests
• post-hospital benefits such as nursing care and home health care
• radiology procedures
• additional surgical support
• add-ons to services covered in general health plan
• emergency room/outpatient observation care
• mental health/substance abuse hospital stays
• diagnostic and other surgical procedures
• skilled nursing facility stays
• medical tests and x-rays

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