Medical Coverage For Those Over 65
Q: I am over age 65 and cannot obtain medicare or social security. Are there any insurance companies which furnish major medical coverage (including hospital coverage) to people in excellent health who are over the age of 65?
A:You do not mention why you are not eligible for Medicare or social security, and this could have an influence on our guidance. You have the option to buy into Medicare Part A coverage if you are over age 65, are enrolled in Medicare Part B and are a resident of the U.S. If you are not a citizen, you must have resided continuously within the U.S. for five years prior to applying. You can contact Medicare for additional information by calling 1-800-Medicare. If you are a U.S. citizen, you should be immediately qualified to buy into Medicare Part A. Once you have Medicare Part A and Part B, you can purchase supplemental plans, or enroll in a Medicare Advantage program through a health insurance carrier that offers this product type in your state.
If you have recently moved to the U.S., you can purchase an international health insurance policy that is available to expatriates. These policies will usually insure a person up to the age of 74, but they may have limitations and maximum benefit amounts. However, they will provide you with major medical coverage.
Yes it is because I am not an american citizen and I have only been in US for just a little over 2 years. How can I get more information on the international health insurance plans you mentioned.
Comment by Yong — October 5, 2006 @ 9:17 am
We have a section of our website dedicated to International Health Insurance that will provide you with lots of useful information, and you can even get comparison quotes from a couple of different insurance companies. You will see a tab at the top of our site titled “International” that will direct you to this section. You can also do an internet search for “international health insurance” and find many other websites that can provide you with quotes and information from other insurance companies.
Comment by Site Advisor — October 5, 2006 @ 9:32 am