While it may take a bit of research, finding health insurance for men over 50 is not as difficult as you may think. In fact, if you look at AARP, you will see all types of ways to find health insurance for people over age 50. As you get older, it does become challenging to find quality health care. This is because older people tend to have more health problems or chronic medical conditions. This deems you a high risk and some health insurance companies will deny coverage.
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If you are able to find a health plan that will accept you, the premiums are usually extremely high. The great news is as of 2014, every American citizen will have the opportunity to seek adequate health care without the fear of being denied. The Affordable Health Care Act will be in full effect in 2014 and as of that date, you cannot be denied health coverage by any insurance provider for any reason.
How do I start?
It is very rare for men over 50 to not have some level of health insurance, especially if you are still active in the workforce. Generally, your employer offers health insurance. However, if you are part of a growing group of employed people who are losing health insurance because your employer cannot afford the rates anymore, private insurance may be something you will need to consider.
To find comparable health care insurance, you should first start by gathering your medical history. The health insurance company you choose may want to have this information as a part of the application process. They may not request your medical files, but if they do, it is best to have all of your data in one location.
Begin with AARP since they are specifically geared towards older people. They should be able to offer you a secure plan with a good rate. If you are married, your spouse may be eligible as well. If so, you may qualify for a joint rate.
How do I get my quote?
Today, there are several online insurance agents available to provide you with free health insurance quotes instantly. The problem with these sites is they do not cater to your specific needs. A man over 50 has special requirements and the cookie-cutter insurance sites just don’t fit the bill. Instead of relying on some fly-by-night place that is here today and gone tomorrow, opt for a specialized insurance company that understands your age demographic.
Once you have made your selection, you will need to complete a series of questions (this is where your medical history will come into play) and review the available options. You choose the level of coverage you require. Add your personal information and a good contact phone number.
With the process complete, you will receive a telephone call from a representative who will go over your application and explain your selections in full. You can then receive the quote and if you accept the conditions, you will be given a payment schedule. Once your first payment clears, you will be fully insured.
How much can I expect to pay?
Until the Affordable Health Care law becomes fully effective in 2014, health insurance rates will fluctuate. Remember, once the law passes, everyone will be eligible for health care, regardless of age, gender, or preexisting health condition. To date, these factors are still considered when applying so this is how your rate will be calculated.
A 50-year old man in fairly healthy condition can expect to pay anywhere from $50 to $70 per month. This is contingent upon the amount of coverage you select. You may decide to just take hospitalization coverage, which will lower your rate substantially.
If, on the other hand, you do have chronic medical problems, you can expect your rate to be much higher. This is due to the level of health care chronic patients require, and the amount of prescription drugs they are usually given. For example, if you have asthma, you will need to have routine office appointments and medication prescribed on a regular basis.
Growing older should be a time spent reflecting on the past and looking towards a new and exciting future. If you are a man over 50, you are most likely at the point where you are discussing retirement plans. You want to make sure that your future is secure both financially and physically. Because you will not be eligible for Medicare until age 65, there are 15 full years for which you will require medical health insurance.
Don’t wait until you are diagnosed with an illness or are involved in an accident before you purchase health insurance coverage. It will be too late. If you need medical care, having proper health insurance will provide you with a sense of comfort knowing that you will be treated with the level of medical assistance that you require to make a full recovery or manage a chronic disease.
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