Medicare Supplement Insurance Boca Raton
Choosing the right Medicare Supplement Insurance Policy for seniors is an important decision that should be done with a lot of research. The out of pocket expenses can mount up if you find yourself in the hospital or nursing home and do not have the right coverage. Remember the days when getting sick or injured was something you didn’t think about that often. If you got a cold or an injury of some kind it healed quickly and you were active again in no time. But as the aging process starts effecting your body sickness and accidents tend to happen more often.
The Most Common Accident Among Seniors.
While writing this blog I felt it would be beneficial to inform seniors what the most common types of accidents are so you could be aware, and be careful during certain situations. The most common accidents among seniors include; house fires from cooking or candle use, poisoning from household chemicals, cuts from common chores such as opening a can, motor vehicle accidents, near drowning from swimming pools, bicycle accidents, and lawn care accidents such as riding mowers tipping over. The most common cause of injury among seniors is falling, and the highest percentage of falls happen in the bathroom. Some less common accidents which you might not think about are getting trapped in the bed-rail if you need some getting in and out of bed. There are over 47,000 accidents involving canes and walkers each year that send seniors to the emergency room. Seniors take about 40% of all the prescribed medication in the U.S. which lead to unexpected accidents.
Accidents and Medicare Supplement Insurance Are You Covered?
Medicare Insurance and Medigap policies were designed to cover doctor and hospital bills and they do a good job under most circumstances. Be aware if there is a 60 day lapse between hospital stays you will receive a new deductible which at the writing of this blog is $1,1156. If you take prescription drugs Medicare Part D covers prescriptions but there is the Donut Hole which leaves seniors vulnerable after you reach $2,840 out of pocket. Then you are responsible for 50% of brand name drugs until you spend $4,550 out of pocket. Medicare Insurance covers “skilled care” but does not cover custodial care which 85% of seniors need. The right insurance is critical and working with an independent agent can save you time and money.
If you have any questions you can give us a call at 800-278-1972 or contact us by email. If you would like a FREE QUOTE click the link now.
Medigap Support is a senior focused health insurance company based in Boca Raton specializing in Medicare Suplements, Long Term Care, Annuities, and Life Insurance.
Leadership Team