Under 65 Health Insurance
Our health is crucial to our quality of life and the lives of our loved ones. But in the United States, many people struggle to find the right health care plan for themselves before they are eligible for Original Medicare. Luckily for you, SBHS has you covered with this guide to your health insurance options under age 65!
Our health is crucial to our quality of life and the lives of our loved ones. But in the United States, many people struggle to find the right health care plan for themselves before they are eligible for Medicare. Luckily for you, SBHS has you covered with this guide to your health insurance options under age 65!
Benefits Of Health Insurance Under The Age Of 65
- Preventing illness.
- Easy access to healthcare services.
- Preventing unexpected costs.
- No delays in managing severe health issues.
Options for Health Insurance Under the Age of 65
Medicaid
If you have a low income or are disabled, find out if you qualify for Original Medicare — a health program provided by the state and federal governments. Medicaid varies by state, but it will cover your basic healthcare and prescription drug costs, as well as medical equipment, eyeglasses, and dental care. Unlike Original Medicare, Medicaid may cover long-term care and/or nursing home care.
Make sure that your doctor and local hospitals accept Medicaid before enrolling.
Note: You can apply and enroll in Medicaid any time of the year.
COBRA
If you have lost your job or your working hours are reduced, you can get COBRA (Consolidated Omnibus Budget Reconciliation Act). On COBRA, you can keep the health coverage for the next 18 months; but only if you already have existing health insurance.
COBRA is often more expensive than regular insurance because you will be responsible for paying the full premium, including the part your employer was previously responsible for paying.
COBRA’s coverage of physician care, surgeries, prescription drugs, dental, plus vision services depends on your workplace’s healthcare plan.
Private, Employee Sponsored Health Insurance
About half of Americans secure their health insurance through their employer’s group plan. Normally, this is part of your benefit package, and your employer will be responsible for paying a part of your health insurance premiums (usually at least 50%). This is often included because employer-paid premiums are exempt from federal income and payroll tax.
If you’re looking for quick coverage, large employers like Amazon, Walmart, Starbucks, Ikea, Delta, Ups are known to provide employee health benefits even for part-time jobs.
Spouse’s Health Insurance
If you’re married and your spouse has health insurance, you’re often eligible to join your spouse’s employer-sponsored health insurance.
However, you can do this only when there is a yearly open enrollment period in the fall, unless you qualify for a special enrollment period. Then, ask your licensed insurance agent to add your name on your spouse’s health insurance; do the paperwork, and you will have your health insurance with no stress on your part.
We’re Here When You Need Us.
If you’re trying to figure out ways to have health insurance before becoming eligible for Original Medicare, there are many ways to get coverage. Signing up for health insurance can be complicated, but SBHS can help. You can call our licensed insurance agents or fill out a FREE, no stress-survey to explore affordable plan options in your area!
FCS disclaimer: Participating sales agencies represent Medicare Advantage [HMO, PPO and PFFS] organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan’s contract renewal.
SEP/ROY Disclaimer: Enrollment in the described plan type may be limited to certain times of the year unless you qualify for a Special Enrollment Period.
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