If you’re looking for private health care insurance and you’re over 65, you may be wondering if you have to get Medicare. Or, maybe you don’t qualify for Medicare, even though you’re over the age of 65. In this blog, we’ll discuss what you should know about private insurance and Medicare.
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Who Qualifies For Medicare?
If you’re over 65, you generally qualify for Medicare as long as you:
- Are a permanent legal resident or US citizen who has lived in the US for at least 5 years and
- You are receiving Social Security benefits, or have worked long enough to be eligible for these benefits but are not yet receiving them
- You or your spouse is employed by the government or is a retiree who has not paid into Social Security, but has paid Medicare payroll taxes as they worked
There are a few other ways to qualify if you’re under 65. Those with conditions like kidney failure who require dialysis or a kidney transplant, or have Lou Gehrig’s Disease, for example, can qualify immediately in most cases.
You Can Get Private Coverage If You’re Not Covered By Medicare
If you are sure that you don’t need Medicare requirements (you can use this tool from Medicare to check), then it’s possible to get private health insurance if you’re over 65, and this will likely be your best option for coverage. Contact My Private Health Insurance now to get the brokerage services you need to find the right policy from the best private health insurance companies.
You Cannot Be Sold A Private Insurance Policy If You Qualify For Medicare, But…
If you qualify for Medicare and are over the age of 65, it’s illegal to sell you a private insurance policy, either on the Healthcare Marketplace or through an insurance broker. Basically, if you qualify for Medicare, you will need to get a Medicare plan, full stop.
You Can Get Both Medicare And Private Health Insurance To Cover Medical Costs!
If you already have a Medicare policy, you can purchase a private health insurance policy separately to help with your medical costs.
In this case, there will be a “primary” and “secondary” provider – whether Medicare or your private health insurance policy is the primary or secondary provider varies based on the situation.
Basically, when your primary plan does not cover a certain benefit, the secondary plan can apply to cover those expenses – providing you with more comprehensive coverage. This may be a great option for people over 65 with significant medical needs.
Learn More About Private Insurance If You’re Over 65 – Contact Us Now
Whether you don’t qualify for Medicare and want private insurance, or you do qualify and are interested in private health insurance as a secondary policy to augment your Medicare policy, we can help. Contact My Private Health Insurance online now or give us a call at 754-206-9583 to get a consultation and get the assistance you need from an experienced health insurance broker.