Avoiding High Cost Senior Insurance Wilmington NC
How to Keep Your Health Insurance Costs Manageable
Retiring from a full-time job can be both an exciting and stress-inducing time in one's life. On one hand, you're gaining a level of freedom you've never experienced before, but on the other hand; you're going to have to learn how to adapt to living on a more limited income.
Since you're no longer going to be covered under your employer's health care plan and because Medicare doesn't cover everything, you're going to want to choose supplemental senior insurance in Wilmington, NC if you want to avoid facing high medical bills in your golden years. Finding the right balance of coverage and affordability is the key to having a healthier and happier retirement.
Is Senior Insurance Really Necessary?
In a poll conducted by the National Association of Insurance Commissioners (NAIC), only 12 percent of the seniors asked believed that they could get along without long-term care. Unfortunately, studies indicate otherwise, with as many as 60 percent of American senior citizens requiring some form of long-term care. In addition, of those polled, the majority seriously underestimated the costs associated with long-term care.
When you're in your golden years and you are living on a limited income, you do not want to have to worry about being responsible for the high costs of long-term care. Having supplemental senior insurance will help cover the costs of long-term care and many other medical services and products that aren't covered under Medicare.
How to Lower Your Senior Insurance Rates
The insurance industry is one that gauges its coverage and rates on associated risk levels. As we age, we become more susceptible to illnesses and other health-related problems and this makes seniors a higher risk, so for many, health insurance premiums may be higher than expected. But, there are ways you can reduce your rates so your senior insurance will fit more comfortably within your budget.
You've worked hard your entire life and now it's your time to relax. Allow Schnitzer-Slate Insurance to help you choose a senior insurance policy that meets your needs without compromising your budget. We have a range of different plan options for you to consider so you can rest assured knowing that senior insurance in Wilmington, NC doesn't have to be expensive.
Schnitzer-Slate Insurance is the leading provider for retirement insurance plans in North Carolina. We offer a full selection of coverage options for seniors, including health insurance, life insurance and more. If you want to learn more about our coverage options, just visit our website athttp://healthplannc.com/ or call us at 910-392-7020. We'll be more than happy to assist you in finding the perfect plan to suit your needs.
How to Keep Your Health Insurance Costs Manageable
Retiring from a full-time job can be both an exciting and stress-inducing time in one's life. On one hand, you're gaining a level of freedom you've never experienced before, but on the other hand; you're going to have to learn how to adapt to living on a more limited income.
Since you're no longer going to be covered under your employer's health care plan and because Medicare doesn't cover everything, you're going to want to choose supplemental senior insurance in Wilmington, NC if you want to avoid facing high medical bills in your golden years. Finding the right balance of coverage and affordability is the key to having a healthier and happier retirement.
Is Senior Insurance Really Necessary?
In a poll conducted by the National Association of Insurance Commissioners (NAIC), only 12 percent of the seniors asked believed that they could get along without long-term care. Unfortunately, studies indicate otherwise, with as many as 60 percent of American senior citizens requiring some form of long-term care. In addition, of those polled, the majority seriously underestimated the costs associated with long-term care.
When you're in your golden years and you are living on a limited income, you do not want to have to worry about being responsible for the high costs of long-term care. Having supplemental senior insurance will help cover the costs of long-term care and many other medical services and products that aren't covered under Medicare.
How to Lower Your Senior Insurance Rates
The insurance industry is one that gauges its coverage and rates on associated risk levels. As we age, we become more susceptible to illnesses and other health-related problems and this makes seniors a higher risk, so for many, health insurance premiums may be higher than expected. But, there are ways you can reduce your rates so your senior insurance will fit more comfortably within your budget.
- Have a complete physical performed by your primary doctor and provide your health insurance agent with the results to show that you are in good health and a lower risk despite your age.
- Choose a health insurance plan with a higher deductible. This will help keep your monthly premiums low and you'll only have to pay up to your deductible and then the insurance will kick in after that. This can save you quite a bit of money if you're in relative good health.
- Compare coverage options and costs so you can find the health insurance plan that provides the most comprehensive coverage for the best price.
You've worked hard your entire life and now it's your time to relax. Allow Schnitzer-Slate Insurance to help you choose a senior insurance policy that meets your needs without compromising your budget. We have a range of different plan options for you to consider so you can rest assured knowing that senior insurance in Wilmington, NC doesn't have to be expensive.
Schnitzer-Slate Insurance is the leading provider for retirement insurance plans in North Carolina. We offer a full selection of coverage options for seniors, including health insurance, life insurance and more. If you want to learn more about our coverage options, just visit our website athttp://healthplannc.com/ or call us at 910-392-7020. We'll be more than happy to assist you in finding the perfect plan to suit your needs.