Senior citizens have many special needs when it comes to health insurance and long term care insurance. As we get older, affordable health insurance becomes more difficult to find, and more of our cost-of-living expenses become healthcare related. For example, a pre-existing condition can make affordable insurance hard to find (for example, health insurance for diabetics). Fortunately, when it comes to obtaining health insurance, seniors have rights, as well as a number of different types of plans to choose from, through both government programs and private companies. You need information to help you make the right choices.

All seniors have access to the federally-subsidized Medicare program. In addition, they have the option of purchasing a Medicare supplement, also known as medigap insurance (note: not connected with or endorsed by the U.S. government or the federal Medicare program.). For low income seniors or those living on a fixed income, there are some special programs like Medicaid that can help provide essential health insurance coverage. Finally, there are many types of coverage, such as long term care, that go beyond traditional health insurance and can help guarantee freedom and financial stability for seniors as they get older.