If you are under 65 and don’t yet qualify for Medicare, it’s important that you look at other options for the time being to get the health insurance you need. Here are some coverage options you can look into.
The Affordable Care Act (ACA) was a comprehensive health care reform law that was enacted in March 2010. These plans must include ten essential health benefits with no annual lifetime coverage maximums. The ten essential health benefits include:
As people age or become ill, they sometimes need help doing daily tasks like getting dressed, bathing and more. Long-term care (LTC) provides people with those services—but it’s expensive. A long-term care insurance policy helps cover these costs.
While this isn’t a primary policy, it can be a great supplemental option.
Not everyone qualifies for Medicaid, but if you do, it can provide beneficial coverage especially if you do not have any coverage at all. Medicaid typically provides coverage for:
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