Financial Relief for Uninsured Seniors

Jul 12th, 2010 | By Sharon Shaw Elrod MSW EdD | Category: Senior Finances

Uninsured seniors who are not covered by Medicare, Medicaid, VA Medical Benefits or other health care insurance offered to older people may now be eligible for enrollment in their state’s high -risk pool under the new Affordable Health Care law.

Qualification requirements include being an American citizen or legal resident with health problems, and having been uninsured for at least six months.  The program is administered through state offices unless a state has declined to set up the pool; in that case, the federal government is in charge.

Benefits and premiums will vary from one state to another, and older persons may have to pay higher premiums because of the higher cost of senior health care.  However, annual out-of-pocket expenses are capped at $5950 for singles and $11,900 for families.

July will see the beginning of enrollment in this program.  If you have not been uninsured for six months you may still be eligible for other high risk plans your state may offer.

Details are available at http://www.hhs.gov

There is also a new site addressing questions and concerns about the Affordable Health Care Act… http://www.healthcare.gov/law/introduction/index.html.  Readers may be able to get most of their questions answered on this site.



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