Health Care Article


Health Insurance after Retirement

Health Insurance after Retirement

Understanding your health care rights, sorting through insurance policies and finding a way to pay your medical bills can be daunting tasks. But there are resources to help educate you about your rights and help you weigh your options.

You may be entitled, by law, to continued coverage under your employer’s group health insurance plan for a short period of time. In addition, some employers actually maintain health insurance for their retired employees. But obtaining private individual coverage as a senior can be expensive and difficult, particularly if you have a pre-existing condition.

As a senior you do have other options. Medicare, Medigap policies, health maintenance organizations (HMOs), long-term care insurance, AHCCCS or veterans’ benefits may help cover your medical and long-term care expenses


Comments:

QUESTIONS

  • My mother is 85 and being treated by a naturopathic doctor. My sister and I are concerned that the care she is getting is harming her overall health. We have contacted the Naturopathic Physician Medical Board to file a complaint. They are willing to move forward and subpoena her medical records for review. The problem is that they say there is no way to keep this physician from mentioning it to our mother. We feel that our mother puts an abnormal amount of "faith" in this physician and that she has been, for lack of a better word, "brainwashed" into believing that he can do no harm. We want to proceed without fear that he will convince my mother that we are "the bad guys." What do we need to do to proceed without fear that he will discuss this with our mother? Any suggestions or guidance would be greatly appreciated.
  • Don't qualify for AHCCCS,to young for medicare, if there is a catastrophic health issue I do not want all my savings wiped out so where can this money be put where the debtors can not touch it. Trusts?Where can my money be protected?Financial help/applications will want to know all about your accounts and will take every dime you have. I have paid my bills in the past. This is just a hypothetical question in case of a major illness. I simply cannot afford health insurance beginning in 2019
  • how old you have to be before elegibility for medicare
  • What age can you start getting senior help with the des programs?
  • The provider that diagnosed my son with autism is withholding records due to non payment. The law says she cannot do this. What is my next step?
  • I have an adult handicapped daughter who lives alone and has been put in hospital for emergency care several times for severely neglecting herself;refusing to eat or receive help or care from family. She is paralyzed with Spina Bifida, mentally ill, and suicidal. Presently in hospital for her neglect.I am her mother.She needs long term care but refuses/How can I do it legally?
  • Do I need long-term care insurance?
  • if i lost my gun rights (due to going to prison) but waited 12 years after getting out and started buying guns , and then got charged with misconduct with weapons. Because i did not know i had to file something, but after my arrest i have filed and got my civil and gun rights back, but am facing a class 4 felony and 4.5 years in prison. Is this beatable in trial due to to the fact i have my rights back now, after my new arrest though. Please help ASAP
  • My Mom is an 80-year old senior with legal status, diable, no income, arrived in the US November 2007. She was just recently approved for AHCCCS Federal Emergency Services. I made an appeal to AHCCCS that she be granted a regular full coverage because of her current medical condition. What are the rights of the seniors in Arizona with the same case of my Mom in terms of health care. She has heart disease, severe arthritis, acute glaucoma that needs to be followed-up by specialists. She has been due for medical check up and needs continuous medication for the above illnesses. Your thoughts would be greatly appreciated.
  • Can I request "in-home" assistance thru AHCCCS? We are in need of assistance for someone with mild Alheimer's as reminders for taking medicine and for personal health & safety a few hours a day. Is this possible thru AHCCCS?

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FIND LEGAL HELP

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OTHER LEGAL RESOURCES

  • State Bar of Arizona
    www.azbar.org
  • Maricopa County Bar
    www.maricopabar.org
    Referral number 602-257-4434
  • Pima County Bar
    www.pimacountybar.org
    Referral number 520-623-4625
  • National Domestic Violence Hotline
    800-799-7233
  • Bankruptcy Court Self Help Center
    866-553-0893
  • Certified Legal Document Preparer Program
    Link

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