Hearing Aid Specialist Trainee   in , FL

Hearing Aid Specialist Trainee in , Florida

Below is a list of all Hearing Aid Specialist Trainee in , FL. For contact information, click on the "Details" link below.

Senior Citizens and Health Insurance

Seniors have more options when it comes to obtaining health insurance than any other segment of the population. Here’s some information about, and advice for, each of them. Buying health insurance tends to be a rather joyless experience for a lot of people, no matter how young or old they may be. Choosing a health plan today is an overwhelming task.

Given the sheer number of options that are made available to American seniors when it comes to this process, though, the argument could be made that the older members of our population have it quite a bit worse than their more youthful counterparts. After all, it isn’t out of the question for today’s seniors to find themselves contemplating one or more of the following forms of health insurance as they age: retiree coverage, other private insurance, Medicare, and Medicaid.

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Ana Rodriguez, 491 Vizcay Way, Davenport FL 33837

Get contact info and detailed information for Ana Rodriguez, a licensed Hearing Aid Specialist Trainee.

Florida Health Care Professionals provides information on 950,000 licensed medical professionals covering 113 different categories.

Click here for details  

Retiree Health Insurance

Actually, some seniors don’t have a whole lot to worry about in terms of acquiring health insurance in their retirement years (or near-retirement years), as the coverage they first obtained via their employers continues to remain in force—to varying degrees--even after they retire from their jobs. These folks tend to be fairly small in number, though, as the majority of employer health plans end when the people attached to them retire. If you’re lucky enough to be included among this select—and dwindling, it seems—group of seniors, there are a few things you should know about the situation:

  1. According to healthcare.gov, if you have retiree benefits, you can rest assured that you’re covered under the Affordable Care Act—meaning, you won’t be penalized like those who lack adequate health insurance currently are.
  2. Also, although you’re free to pick up health insurance elsewhere if you’re currently enrolled in some sort of job-based plan, you should know that doing so will make you ineligible for the kinds of tax credits and other savings that may be offered to you otherwise based on your income.
  3. The above is true only if you’re actually enrolled in such a plan, by the way; if you’re eligible but not yet enrolled, you can still access these credits and savings if the size of your household and your income meet certain requirements.
  4. On a related note, if you’re making use of retiree health insurance through a former employer and you decide to drop that coverage (as opposed to having it taken away from you), you won’t qualify for special enrollment period that allows you to buy a marketplace or exchange plan outside of the government’s open enrollment period.

Finally, don’t forget that private-sector employers are under no obligation to offer retiree health insurance. Also, most of those that do decide to provide them to employees can cut or eliminate those plans at any time—unless, of course, they have made specific promises (in writing) that they will maintain them in any specific ways or for a set period of time.

Marketplace Plans

A far more likely health-insurance-related situation than the one above for most American seniors is that they may retire early—at, say, the age of 55—and then find themselves in need of health insurance between then and when they turn 65, which is when they’ll become eligible for Medicare.

Although employers sometimes will help fill this gap by extending a person’s job-based health insurance until he or she turns 65 and becomes eligible for Medicare, a more typical scenario is that the senior in question will have to purchase this temporary coverage on his or her own, and usually via the federal health insurance marketplace or the related state “exchanges.”

  1. If you lose your employer-based health plan when you retire, you will be able to take advantage of a special enrollment period when you go to use the above-mentioned marketplace or exchanges. This means you don’t have to wait until open enrollment—a three-month window that for 2016 opens at the beginning of November this year and closes at the end of the following January—to apply.
  2. Speaking of the application process, when you fill out yours, you’ll not only find out if you qualify for tax cuts or other savings based on your income or household size, but you’ll also find out if you qualify for Medicaid coverage.