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  1. #1
    Join Date
    Sep 2008
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    New York City
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    Health Insurance

    I'm looking to purchase health insurance for my grandmother, she is a very important person to me. It hurts me to know that shes uninsured, so if god forbid something happens, she can't get anything but emergency care. I don't have much experience in this field. What I'm looking to get her is coverage for long term care, and office visits. For example if she needs to visit the doctor, the health insurance would cover it. She has been self employed all her life so she does not have an option for employers insurance. I've taken a look at ehealthinsurance.com, but the prices are not within my budget. One plan is $151 but it does not cover office visits. It is called an "Indemnity" plan. The next plan is about $320 which I cannot afford. I don't make much money but I want my grandma to be healthy. I basically have no idea how the health care system works, so can someone recommend an option for me?

  2. #2
    Join Date
    Nov 2007
    Location
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    My first suggestion is to check Medicare / Medicaid coverage applicability. Is she eligible for either?

    -mike
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  3. #3
    Join Date
    Sep 2005
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    Albany, NY
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    Can't she be part of something like AARP? I believe there are special programs for the elderly. Otherwise, you'd be looking at exactly what you quoted.
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  4. #4
    Join Date
    Sep 2008
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    Quote Originally Posted by Mike - Limestone View Post
    My first suggestion is to check Medicare / Medicaid coverage applicability. Is she eligible for either?

    -mike
    I don't know if shes eligible. Where do I submit an application?

  5. #5
    Join Date
    Nov 2000
    Posts
    374
    Is she over 65? Does she have a spouse that had a regular job for at least 10 years?

  6. #6
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    Quote Originally Posted by JG View Post
    Is she over 65? Does she have a spouse that had a regular job for at least 10 years?
    Shes turning 64 in November and her spouse is jobless.

  7. #7
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    Nov 2007
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    Quote Originally Posted by Spunkyasp View Post
    I don't know if shes eligible. Where do I submit an application?
    Try checking http://www.medicare.gov/MedicareElig...nguage=English and http://www.cms.hhs.gov/medicaideligi...ueligible_.asp

    -mike
    Mike G. - Limestone Networks - Account Specialist
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  8. #8
    Join Date
    Nov 2000
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    Quote Originally Posted by Spunkyasp View Post
    Shes turning 64 in November and her spouse is jobless.
    Has he worked at least 10 years in his life (where he contributed to Medicare)? If so, she should be eligible for Medicare upon turning 65, at no cost.

  9. #9
    Join Date
    Sep 2009
    Location
    Colorado, USA
    Posts
    18
    I know in Colorado they have an indigent care program. I don't know where you are but you might do a search beginning with your state name and then add indigent health care and see what comes up. Even with all the health care debate now there has always been programs for the poor if you just look for them. My grandmother was put into a free nursing home because she was poor. My grandfather never got social security because he was self employed his whole life but still she got care. You just have to look around.

  10. #10
    Join Date
    Nov 2007
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    Quote Originally Posted by kenjpet View Post
    I know in Colorado they have an indigent care program. I don't know where you are but you might do a search beginning with your state name and then add indigent health care and see what comes up.
    Nice idea! I had forgotten about such programs, but I believe they can be really helpful depending on the state.

    -mike
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