Health Care Options For Elderly, Disabled

Senior Couple Distressed by Medical BillsThere are several options for health insurance for the elderly and disabled.

A story on outlines the various options.

Medicare is available for those over 65 or who have been disabled for two years. There are a number of options including traditional Medicare or Medicare Advantage. With traditional Medicare, most also purchase a supplemental plan as traditional Medicare pays only 80 percent of costs of health care.

Private insurance may cover more than Medicare in some cases, but is likely to be very expensive unless obtained through a job.

Coverage may also be available under the Affordable Care Act, for those ineligible for Medicare because of age. The premiums vary and depend on income, but most plans have high deductibles. However, those with preexisting conditions who don’t qualify for Medicare may find ACA, also known as Obamacare, their only option.

Medicaid, or Med-Cal in California, is the insurance program of last resort for the poor.

Your elder care attorney can help you sort through the confusion.

If you have questions about elder care issues, feel free to contact us for a consultation at (626) 696-3145.

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