What is Health Insurance?

Are you ready to take charge of your health care needs as a senior or person with disabilities? Look no further than Medicare - a program that offers comprehensive coverage for a minimal charge. But what exactly is Medicare, and what options are available to you?
Medicare is a fee-for-service healthcare program that allows the government to pay healthcare providers directly for services falling under Parts A and B of Medicare benefits. This includes coverage for inpatient hospital stays, care in a skilled nursing home facility, hospice care, and some home health care under Part A, and certain doctors' services, outpatient care, medical supplies, and preventive services under Part B. However, if you want more coverage than Original Medicare, you can opt for a Medicare Advantage Plan, which provides all your Part A and Part B benefits through a private company contracted with Medicare.
The beauty of Medicare is that it's divided into four categories, so you can customize your personal coverage when shopping for a comprehensive policy.

Part A

Covers hospital stays and care.

Part B

Covers medical services and supplies.

Part C

Combines Parts A and B and often includes

Part D

itself offers prescription drug coverage.


Long-Term Care help...

Long-term care is required by around the individuals upon reaching the age of 65. A number of factors can influence the likelihood of needing long-term care, including age, gender, disability, health status, and living arrangements. The probability of requiring long-term care increases as you get older, and women, on average, tend to live longer than men, which means they are more likely to be living alone at an older age. Disabilities caused by accidents or chronic illnesses are another reason for needing long-term care, with 8% of people between the ages of 40 and 50 likely to require long-term care services.
The likelihood of having a disability rises to 69% among individuals aged 90 or older. Chronic health conditions like diabetes and high blood pressure, family history, poor diet and exercise habits, and living alone can also raise the chances of needing long-term care. Long-term care encompasses a range of services and supports that assist with basic personal tasks such as bathing, dressing, using the toilet, transferring to and from bed or chair, caring for incontinence, and eating, as well as everyday tasks like managing money, preparing meals, and shopping for groceries.