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Local Business

Three things to know about insurance options for seniors



Medicare, prescription plans and Long-Term Care Insurance. There is a lot to consider as you age!

Advances in medical science allow us to live longer, and it is important to understand your options as you age.

Here are 3 insurance tips you should know about:

1.  Consider a Long-Term Care insurance policy

Long-Term Care Insurance will safeguard savings while providing resources for quality care.

Long-Term Care Insurance premiums are based on your application age, health and the amount of benefits you want to have. Plans are custom designed to fit your needs. The older you are, however, the more challenging it will be able to obtain coverage.

Medicare will cover a short stay in a nursing home or limited at-home care. Some people choose to buy long-term care insurance to help cover long-term care expenses – including the cost of senior living communities like Heritage Woods of Yorkville.

Some Long-Term Care insurance policies will cover the level of care offered at Heritage Woods of Yorkville.  

2. Understand the basics of Medicare

Medicare doesn’t cover living expenses in a retirement community, hearing aids or dental work.

Plans change from year to year, and it is important to consider your health care needs and preferences to ensure you select the plan that’s right for you. Open enrollment begins on Oct. 15.

3. Save money on prescription drugs

Reports indicate that seniors over the age of 65 spend an average of over 3 percent of their income on prescription drugs. If your insurance plan does not include a prescription plan, look into coupons, drug discount cards or switching to a generic brand.

Most individuals can lower their out-of-pocket costs by 25 to 75 percent by using generic instead of a brand name drug.


Heritage Woods of Yorkville, an Assisted Lifestyle Community for the Older Adult, 242 Greenbriar Road, Yorkville, IL 60560, 630-882-6502,