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Dissecting the Health Insurance Question: Overview

Over the recent Christmas holiday I had time to talk with my mother about some questions she had about her health insurance options. She wanted my help figuring out which option would work best for her.

How to Make Sense of This

It took us a couple of days to talk through all the different issues and I realized that if she has all these questions, it is likely that others have the same questions. I am going to spend the next few posts outlining the details of this real world scenario. Your situation might be a little different but the overall ideas may help you understand all the different pieces of the insurance question.

The Scenario

Here is the scenario we will start with.

67 year old healthy female. Retired 1 year ago from corporate job with option to extend company-sponsored health insurance for 1 year. That plan is no longer available for extension. Recently started receiving Social Security benefits, which automatically enrolls her in Medicare Part A at no cost to her.

She visits her doctor about 3 or 4 times per year for normal checkups. Takes a blood pressure medication and hormone replacement therapy for osteoporosis prevention. Recently referred to cardiologist for continued high blood pressure.

Here is what we will cover in the coming weeks:

  • Supplemental Insurance
  • Prescription drug plans – Medicare Part D
  • Medicare Part B
  • Medicare Part A
  • Commercial Insurance
  • Insurance alternatives

I will share some of the real details we covered to make this more practical, not just theory. I deal with this stuff every day in my office so I have figured out how a lot of these things work and I want to take what I know and share it with others so they can make informed decisions.

What challenges do you face in making decisions about health insurance and your access to medical care?