Medicare part D insurance plan supplements Medicare Part A or Part B to cover medications that are not included in their coverage. An individual’s place of residence, age, the contents of their medical prescription and preferred pharmacy are factors that generally decide which Medicare Part D plan is chosen. The first detail that is considered is the insurance carrier operating in your area of residence.

During times of transition, when there are gaps in the existing health insurance policy, it is short-term health insurance that comes to the rescue. A temporary coverage that helps right when you need it the most, STHP as it is also called, is the most sought after for transitioning times like:

“The quality, not the longevity, of one’s life, is what is important,” said Martin Luther King, Jr. But when it comes to health care, you might agree that both quality and longevity are important! That is why the United Healthcare Insurance Company (UHIC) introduced the United Health Premium Program. Established in the year 2005, this program has been in existence for 13 years now and is one of the longest running of its kind in the insurance industry.

Full-time employees are provided group disability insurance by their employer that generally covers 60% of the gross income earned by the employee before the occurrence of disability, or to a specific maximum amount like $10,000 per month, or any pre-determined amount that is agreed upon. The Group Disability Insurance is tax deductible for the employer and is offered by more employers in recent times, by taking the help of third-party disability insurers.

Medicare supplement plans are sold by private insurance companies to supplement the cost of those medical expenses not covered by Original Medicare like copayments, coinsurance, and deductibles. Medicare Supplement Plans like the ones offered by Humana, one of the leading health insurers in the United States, offer high coverage health insurance plans at low premiums to seniors at whom these are targeted.

There are 7 different UnitedHealth Medicare Supplemental Plans, each offering full coverage of the basic benefits in addition to certain extra coverage. The availability of these depends on the senior insured person’s place of residence. UnitedHealthcare Medicare Supplement Plan A : Includes hospitalization coinsurance, hospital costs up to an additional 365 days after Original Medicare benefits are exhausted, Part A and Part B coinsurance and/or copayments, Part A hospice coinsurance or copayment, first three pints of blood.