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How to Compare Medicare Health Insurance Plans

Who Benefits?

Most US seniors of retirement age and some disabled people get Medicare health benefits. And even though the federal system has some issues, and does not cover all health related services, it is still important to make sure that these vulnerable and higher risk people are able to access health insurance.

Most of the time, beneficiaries are entitled to Part A and B. Part A is also called hospital insurance, and it usually comes with no cost to the beneficiary. Part B, medical insurance, does require most covered people to pay a premium. Right now that premium is less than $100, and it often comes right out of a member’s social security check, so some people do not even realize they pay that amount every month. Part A and Part B are also called traditional Medicare.

MedSups or MediGap Read More »

Should You Buy Supplemental Health Insurance When on Medicare?

Health insurance! Will there ever be a time when we don’t have to worry about health insurance?! I sure hope so because in my mind there are not many things that are more complicated and hard to understand and harder to deal with than health insurance.

It’s hard enough when you work for a company that provides you with health insurance at group plan discount rates. It’s almost impossible if you’re an individual who owns their own business or is an independent contractor, or someone who tends to hop from job to job.

And it doesn’t get any easier as you get older! Many people think that after they hit 65 years old they can kick back and not worry about health insurance anymore because they will be eligible for Medicare. The problem is, most people don’t understand Medicare any better than they understood their old health insurance.

Before we get further along in this article, I want to make one suggestion very clear. I suggest that you do not cancel your current health insurance or least your major medical insurance when you turn 65 just because you will be eligible for Medicare. The reason for this is that Medicare doesn’t cover a whole lot of things that you are likely to need in the very near future depending on your health and health history. Read More »

Student Travel Health Insurance – How to Get Travel Insurance for Students

The Canadian Scholar’s Guide to Student Travel Health Insurance

Studying abroad is a great opportunity for students as it allows them the chance to expand their horizons. Many find it a life changing experience. If you are a Canadian student planning to pursue your studies in a foreign county, you do not have to worry about issues regarding health insurance during your trip abroad. In this article, you will find some reassuring facts, as well as a few helpful tips on student travel health insurance. Be well informed before your journey begins.

What should I do to extend my health care coverage?

If you are leaving the country for an extended period of time, you might be wondering what steps to take in order not to lose your Canadian health insurance benefits. Before your departure, you must contact your provincial healthcare office to apply for a special insurance card. If you do not advise them of your travel plans, your insurance will lapse after 180 – 212 days from your date of departure. As a traveling student, you can remain eligible for healthcare benefits until your return to your province, as long as you keep your healthcare status updated. Read More »

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