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For adult children of aging parents who need health insurance coverage, here are some important considerations and advice; we are here to help!

  • Writer: Melanie Mosher
    Melanie Mosher
  • Mar 15, 2024
  • 1 min read

Updated: Apr 12, 2024

1.   Understand Medicare: Familiarize yourself with the basics of Medicare, including the different parts (A, B, C, and D), coverage options, enrollment periods, and potential out-of-pocket costs. This will help you guide your parents through the process of enrolling in Medicare and making informed coverage decisions.


2.   Assess Supplemental Coverage Needs: Consider whether your parents would benefit from supplemental coverage such as Medigap (Medicare Supplement Insurance), which can help fill the gaps in traditional Medicare coverage. Evaluate their healthcare needs and financial situation to determine if additional coverage beyond original Medicare is necessary.


3.   Research Medicare Advantage Plans: Medicare Advantage plans (Part C) offer an alternative way to receive Medicare benefits through private insurance companies. Research the available plans in your parents' area and compare their coverage, costs, and provider networks to find the most suitable option.



4.   Prescription Drug Coverage: If your parents require prescription medications, ensure that their chosen Medicare coverage includes a prescription drug plan (Part D) or consider enrolling in a standalone prescription drug plan if needed.


By following these guidelines and taking a thoughtful and thorough approach to insurance decision-making for a parent, adult children can help ensure their loved ones have appropriate and sustainable insurance coverage to meet their healthcare needs in the years ahead.


We are here for you! We have already researched and are familiar with plans to suit your personalized needs.


Let us be your trusted partner. Call InsurCare today!


David L. Goubeaux, Life, Health, AHIP 316-761-4646

 
 
 

Comments

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