Health insurance and Medicare
Protect your health and your family's with coverage that helps you get medical care when you need it. At Union Hispana, we explain the options in a simple way so you can understand which plan might work best for you.
What can health insurance cover?
Depending on the plan you choose, it can help you with:
- Medical consultations.
- Examinations and analyses.
- Prescription medications.
- Emergency care.
- Hospitalization.
- Visits with specialists.
- Preventive care.
- Some mental health services.
Each plan may have different costs, benefits, and conditions.
What is Medicare?
Medicare is a health program for people 65 years of age and older, and for some younger people who meet certain requirements.
It has different parts that can help with different types of care, for example:
- Hospitalization.
- Medical consultations.
- Outpatient care.
- Prescription medications.
- Other benefits, depending on the plan.
Our team can help you understand the differences between the available options.
What should you check before choosing?
It is important to compare some basic points, such as:
- How much do you pay each month?.
- How much you must pay before the insurance starts covering certain expenses.
- How much do you pay for consultations or medications?.
- Which doctors and hospitals can you use?.
- Which medications are included.
- What services does the plan cover?.
The cheapest plan isn't always the best one for you. The important thing is to review your needs and your budget.
What information might you need?
To find out your options, you can usually ask:
- Your age.
- Address and state where you live.
- Information on people who need coverage.
- Household income, where applicable.
- Current health insurance, if you have one.
- Medications you use.
- Doctors you prefer to visit.
- Medicare-related information, if applicable.
Review your coverage when your situation changes.
It's a good idea to review your options when:
- You change jobs.
- You lose a previous insurance policy.
- You're moving.
- Change the number of people in your household.
- You're turning 65.
- A new registration period begins.
This way you can check if you still have adequate coverage for you.
Take care of your health with greater peace of mind.
Understanding health insurance and Medicare can seem complicated, but you don't have to do it alone. Having clear guidance can help you make a better decision.
Contact Union Hispana Insurance & Services and learn about your health insurance and Medicare options.