Tips for Getting Health Insurance as an Older Adult
How To Appeal A Denied Application
Getting health insurance as an older adult can be difficult. It’s not like you’re young and invincible anymore! You might have to pay a higher premium, or they may just deny your application due to preexisting conditions. If you find yourself in this situation, don’t worry. There are plenty of things that you can do to appeal the denied application and get coverage for your healthcare needs at any age and in this article we discuses Can you be denied a Medicare Supplement plan and this is the answer!
-Call the insurer and ask for a reconsideration. You might be surprised what you find out! They may just need some more information from you, or they could even reverse their decision altogether.
-Find an agent that understands older adults, like our team at Age Advantage Insurance Agency does. Get peace of mind when it comes to your health insurance coverage with help selecting plans based on your age range that are designed specifically for seniors in each state.-Ask about subsidies and other cost reductions available through Medicare or Medicaid (depending on eligibility). Apply if necessary as soon as possible so you don’t miss any deadlines while waiting for approval.
-Look into free counseling options such as eldercare services, hospice care, or elder law legal services. We want to make sure that you’re happy and healthy, even if it means we have to go through a little extra work!
-Ask about prescription assistance programs for seniors such as the Patient Assistance Program (PAP) offered by pharmaceutical companies like Pfizer or Ironwood Pharmaceuticals. You may find significant savings on medications without sacrificing quality of care.-Determine what your needs are before applying for coverage from an insurer so that you can be certain they offer the right plan at the best price point. For example, do you need dental insurance? What’s your budget?