Old but gold: 10 benefits that seniors get from health insurance
Let’s face the reality that we don’t live every day of our lives just like yesterday. It’s a truth to be told, especially to those who fear getting old and afraid of experiencing the most significant phase of life, aging. While there’s nothing wrong with that thought, it’s important to be always prepared in life, most notably when you reach your 60s.
Even when you’re in your 40s or 50s, signs of aging – physical and cognitive – gradually show up and become visible. Several of the distinguishable traits are wrinkles, body pains, and forgetfulness. Now, if you’re in the senior year stage, getting health insurance is essential that guarantees to cover your current and future health needs since it’s the age range susceptible to illness and diseases.
Thus, below are some of the benefits you will receive that your health insurance might cover.
Intensive Care Fees
How to choose seniors health insurance? Well, one of the benefits you need to look at is the intensive care fee that the health insurance covers. It’s a life-prolonging or life-supporting assistance whenever a severe accident or health risks need an immediate response. It includes mechanical support such as oxygen, ventilator, etc., that you usually find in the Intensive Care Unit (ICU).
X-rays, MRI, CAT Scan
As you grow older, you’ll experience the typical manifestations of aging, such as chronic pains. Therefore, your health insurance must cover x-rays, MRI, and CAT scan to identify what’s bothering your internal body. Sometimes, a simple stomach, bone, or muscle pain could be the beginning of something worse. Thus, detecting the early signs and symptoms mitigate serious health risks.
Health problems arise and entail when you’re in the senior years. It involves health issues that are common to elders. But, through a pathology test, a diagnostic test, these health issues can be managed. The pathology test examines urine, feces, blood, and body tissue samples procured by biopsy in a nutshell. Moreover, doctors use details or information to diagnose and treat diseases and existing health conditions.
Surgeries and Procedures
If the health insurance you’re eyeing covers surgeries and procedures, you’re indeed on the right track. These medical operations are vital when you reach senior years because you might need to address a health condition—perhaps, a cataract or simple tooth extraction.
In-patient Pharmaceutical Medications
After the surgery, the doctor recommends their patients to stay in the hospital until they no longer need intensive monitoring. In that situation, the pharmaceutical medication assistance becomes beneficial to the in-patient. It might cover most or some medicines you need during your hospital stay for a full recovery. Furthermore, you can still avail of this benefit after being discharged, especially when you have to take supplementary drugs or medicine.
Organ transplant is one of the medical procedures to replace non-functioning or deteriorating organs with new ones. Kidney transplant is one of the common transplant procedures done to the elderly since most of their kidneys are slowly degenerating. Although kidney transplants can be heavy in the pocket, it’s more practical since you don’t have to spend on dialysis for the rest of your life.
Bone Marrow Transplant
The surgeon performs a bone marrow transplant to replace a bone marrow that has been affected and damaged by disease. It involves a blood stem cell transplant that stays and travels to the bone marrow, which will significantly help the body grow new marrow and regain its ability to produce healthy red blood cells.
The ambulance service is crucial for the patient’s safe transport from the incident scene to the hospital, especially for seniors who need a careful and well-managed transfer. It’s a 24/7 medical response that immediately addresses various major or minor accidents. It comprises qualified medics to mediate in the situation and apply first aid to prevent potential worst-case scenarios.
At the age of 60 – even before the 60s – the joints begin to weaken and corroded, leading to joint-related chronic pains such as arthritis. Joint replacement is a surgical procedure that removes the damaged joint by replacing a metal, ceramic, or plastic apparatus called a prosthesis. Besides, joint replacement can be performed in the shoulder, elbow, hips, knee, wrist, and ankle.
Amid the reality that you’re growing old and the cliche mentality that you will no longer experience the splendor of life, health insurance assures you that you can still find leisure. You can avail free theater viewing and watch current popular movies. Also, there might be some discounts on amenities that are connected to the health insurance company.
Just like gold that doesn’t lose its value through years, emulating this allusion allows you to value that life is still gold even when you’re old. It’s also important that you invest in your health by getting health insurance to cover the medical care that you need. Hence, not everyone has the chance to reach the senior years, so be grateful and take good care of your body.