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Access to quality healthcare is essential for the ever-growing senior population.

By the year 2030, approximately 72 million Americans are estimated to be over the age of 65. As people grow older, access to health care services is paramount to address the increased chance of disease and injury. Whether you are seeking your own coverage or have the help of your adult children to compare policies, there are a few options to consider.

Senior Health Coverages

Now that you have retired, your health insurance needs are different. Medicare and Medicare Supplemental insurance plans offer a variety of coverage options.

Medicare

Medicare is our federal health insurance program for people over 65. There are four Medicare Insurance Plans:

  • Part A: Coverage for hospitalization and home healthcare costs. Medicare Part A is free for those who have worked more than 10 years and paid Social Security taxes.
  • Part B: Coverage for medical services like annual checkups and imaging procedures. Seniors are automatically enrolled once eligible for Social Security benefits, but this option is not free.
  • Part C: Medicare Advantage Plans are offered through private insurance companies. You must be eligible for Medicare Part A or B to qualify for this type of coverage.
  • Part D: Optional prescription drug coverage for a monthly premium, based on coverage amount.  

Medicaid

Low-income seniors looking for a more affordable rate may consider this medical insurance plan. Eligibility for Medicaid varies on a state-by-state basis.  

Private Insurance

Paired with Medicare, private senior health insurance is a supplement to the limitations of Medicare insurance plans.

Medicare Supplemental

Medicare Supplemental offers coverage for services Medicare Part A or B do not insure, including hospital and nursing facility co-insurance costs.


An Ion Insurance agent can help answer any questions you may have and determine which program is right for you or a loved one.

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for a senior health insurance quote!