Financial experts consider purchasing an insurance policy as a foundation for a secure future. Especially in times like COVID-19, you don’t want to risk your health by not getting one. We know the importance of getting an insurance plan, yet we tend to ignore it. It is not until a severe need strikes that we realize the gravity of it.
Besides, medical emergencies arise when you least expect them and put you in a difficult situation. Since the cost of medical care is rising, dealing with healthcare emergencies without an insurance plan may put you under massive debt.
Therefore in these challenging times, a health insurance policy feels like a huge blessing as it spares you from the stress of expenses. Moreover, especially if you are a veteran, then it’s highly crucial that you hunt for the most suitable and affordable health policy for yourself. Since you no longer serve for your country and lead a retired life, you may require some medical help to adjust to regular life.
Moreover, veterans become old and feeble, which makes them prone to many diseases, and some also start losing sight, sense of hearing, or taste. Therefore, they need medical services comparatively more than other people, and health insurances give them immense relief. Healthcare plans are vital for veterans, and they cannot live without a secure health plan to cover their medical expenses.
Following are the seven affordable health insurance plans for veterans:
- Veteran Administration of Health Benefits
Veteran Administration offers a wide variety of healthcare benefits. The administration has integrated the most significant number of healthcare systems in the country. The healthcare systems are of diverse types, which include community living centers, hospitals, domiciliaries, and community clinics. The eligibility criterion states that a person who has served in the naval air or military service is eligible to apply. The requirements include minimum service for twenty-four months. As soon as they apply for enrollment, they enter the VA healthcare system. Moreover, the VA gives privacy to the veterans and assigns the applicant to a priority right after they enroll.
- US Health Group
US health group offers different health insurance plans, and its unique selling proposition is that its health insurance programs are generally affordable. These plans give you the freedom to choose a doctor of your choice and offer a further reduction if you select the doctors from the list that they provide. US health groups also offer health coverage plans specifically for veterans, covering most of the illnesses that are common in veterans.
- E-Health Medicare
E-health medicare provides its services 24/7 and facilitates its customers online. Medicare approves their plans, and gives the veterans with additional programs, such as drug rehabilitation, routine vision, or dental benefits.
They offer PPO, HMO, home maintenance organization, and PFFS, private fee for service plans. E-health medicare promises to find the right Medicare coverage for you. With the variety of insurance plans they offer, veterans can easily find a plan suitable to their condition and budget.
Aetna does not only offer health insurance plans but also helps its customers with solutions for their medical problems. They help in finding a doctor, give other medical services, and you can contact them virtually. Additionally, their health insurance plans cover any type of disability, provide personal care, and psychiatric services. Although their policies have limitations, overall, their packages include basic medical needs that any veteran may encounter. The benefit of opting with Aetna plans is that since it is a health company, its insurance plans are holistic, and they answer healthcare questions with expertise.
- UnitedHealth Care
UnitedHealth care has unique plans for veterans, but they also have a proposal for individuals who are 65 years plus and may not be veterans. They offer different policies according to the medical condition of the individual. Some offers include primary healthcare in the supplement insurance plans, and some suggestions cater to a specific area, such as ENT or preventive care. UnitedHealth care notifies veterans about their routine checkups and screening of their vitals. They monitor the veteran policyholders’ health closely. They are often able to warn them when their condition is on the verge of worsening.
Cigna has been in the business for more than a century. Health insurance is not their only service; instead, their company is expansive and encompasses many healthcare services. Their health insurance plans for veterans are simple, predictable, and affordable. They cater to the wellbeing of veterans through various policies; one exceptional is Cigna International health insurance. It is an ideal choice for veterans who are always on the move and travel a lot. Understanding the procedure and policies of the insurance plan is a difficult task on its own, and Cigna makes the health policies easy to understand.
- Blue Cross Blue Shield
Blue Cross and Blue Shield’s companies serve veterans all the year round through various community programs. They offer a free program that teaches caregivers of veterans strategies and equip them with tools and knowledge about the general health of older people. They believe that people who have been through war are different from regular people and have unique medical needs. Hence they also offer PTSD and other mental health counseling for veterans.
Veterans sacrifice a lot during their active service years. Studies have proved that veterans have exceptional healthcare needs. Many suffer from physical impacts of wars like amputations or hazardous material exposure or mental health issues, such as substance abuse, higher rates of suicide, or most common PTSD.
Since their medical needs are generally different from regular people’s, most health insurance policies do not suit them. Usually, most policies don’t provide a broader range of coverage for various illnesses. Hopefully, the policies mentioned above will guide you well to pick the most suitable insurance plan for yourself and be stress-free. Since in these challenging times as the current pandemic getting an affordable health care plan is very crucial.