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Top 10 Health Insurance for Seniors Over 85 Quotes

Top 10 Health Insurance for Seniors Over 85 Quotes

Health insurance for seniors over 85 offers the peace of mind of having the financial means quickly and readily available to pay for funerals and other final expenses, usually amounts that most people will not have. not readily available in their savings.

Most policies pay a lump sum at the time of claim to the named beneficiary, such as your spouse, who can then disburse the funds for funeral expenses.

Health insurance for seniors over 85 is an important aspect of being able to provide a dignified funeral, especially when the money is needed quickly.

Health Insurance for Seniors Over 85 Quotes

Health insurance for seniors over 85 is a great option for those who don’t want to pay the sometimes excessive costs associated with traditional health insurance for elderly, but still want tax-free death benefits. to alleviate the financial burdens that could be passed on to their families. These benefits include:

  • Level premiums
  • At low price
  • Coverage amounts from $5,000 to $30,000
  • Eligibility of application up to age 90
  • Medical examination not required
  • People with health problems may still be eligible

Whole life insurance in general can be expensive, and guaranteed acceptance policies are even more so. But funeral insurance offers peace of mind knowing that your family will have money to pay for the funeral.

Health Insurance for Seniors Over 70

As a person over the age of 70, there are very few limitations on the types of health insurance policies that are available to you. The only restriction is that you usually won’t be able to find a term health insurance policy that lasts more than 20 years. Therefore, your decision on which policy to buy should depend primarily on your financial goals and the cost of coverage.

If you want coverage for a fixed period, like 10 or 15 years, term health insurance will be your cheapest option, and you can buy hundreds of thousands of dollars in coverage. Term health insurance is usually the best choice if you want coverage for a mortgage or to replace your income until retirement, as these financial obligations will be reduced or eliminated over time.

Health Insurance for Seniors Over 85 Quotes
Health Insurance for Seniors Over 85 Quotes

Just make sure the term policy will definitely cover the life of a financial obligation, as you’ll have a harder time finding coverage and will have to pay higher rates if you still need health insurance at 80 or 90. years.

If you are looking for coverage that lasts your entire life, you will want to consider some form of permanent health insurance. Some reasons why you might want permanent health insurance coverage would be:

Funeral and Final Expenses

The average cost of a funeral and burial is around $ 10,000, and costs will generally always exceed $ 2,000 for cremation. If you haven’t saved enough money to cover these costs, they will fall on your family regardless of when you die.

Medical Fees

Unless you die suddenly, you risk accumulating medical bills that can impact your family.

This can be especially difficult if you need full-time care or support in a retirement home.

Pension Replacement

If your spouse relies on your pension income to meet their expenses, you may need sufficient coverage to ensure that they can maintain their standard of living when you die.

Property Taxes

Whether your family needs help covering inheritance tax or inheritance tax depends on the value and types of assets being passed on. If you own an illiquid asset of significant value, such as real estate, that you want your family to keep, health insurance can cover inheritance taxes without your family having to sell.

Health Insurance for Seniors Over 80

Buying health insurance for people over the age of 80 can be difficult. People who want to buy insurance over the age of 80 should consider getting an online search for good health insurance. But to be eligible for a typical policy, you must be in good health and pass a medical exam. But since most policies don’t hit breakeven for seven to ten years, they may not be your best option.

Health Insurance for Seniors Over 85
Health Insurance for Seniors Over 85

A great alternative for over 80 insurance is final expense insurance. If you don’t have significant debt and want to make sure you leave enough funds for your funeral expenses, this type of policy might be right for you. Men over 80 can expect to pay around $195 for final expense insurance, and women over 80 will pay around $153.

Health Insurance for Seniors Over 90

Once you turn 90, most insurance companies will not issue you with a health insurance policy. You may be able to find a health insurance company that will insure you, but be prepared to pay a very high premium.

Cheap Health Insurance for Seniors

As you can see, cheap health insurance for the elderly can be confusing. Fortunately, insurance comparison sites for people over the age of 85 can help you get a clear idea of ​​what health insurance you need, as well as find that insurance at a reasonable price.

All you need to do is go to a cheap health insurance comparison site over 80 to 85 and fill out a simple form with information about you and your insurance needs. Once the form is submitted, you will soon receive quotes for affordable health insurance from several A-rated insurance companies.

And at the best senior health insurance comparison sites, insurance professionals are ready to talk to you and answer any health insurance question you have. See the below link……

Best Health Insurance companies

Here is the top health insurance companies name. See the table below

Sr NoCompanyRatingsCoverage AreaNumber Of Providers in Network
1Aetna5Offers plans in all 50 states and Washington, D.C.About 1.3 million
2Blue Cross Blue Shield5Offers plans in all 50 states and Washington, D.C.About 1.7 million
3Cigna5Offers plans in all 50 states and Washington, D.C.About 1.5 million
4United Healthcare3.5Offers plans in all 50 states and Washington, D.C.About 1.4 million
5Humana3Offers plans in all 50 states and Washington, D.C.More than 280,000
Best Health Insurance companies

Final Expense Insurance

Final expense insurance – also known as “funeral insurance” or “funeral insurance” – is a type of whole life insurance designed to help your loved ones cover funeral costs and other final expenses like medical bills. unpaid. Today, funerals can cost up to $10,000 or more according to the National Funeral Directors Association.

Final Expense Insurance
Final Expense Insurance

Final expense policies are popular with older people because you often don’t need to pass a medical exam to qualify – coverage is established based on answers to health questions on demand. Policy rates are generally more affordable than other types of health insurance because the policy amount is typically much smaller, typically $10,000 to $20,000.

Do You Need Health Insurance for Ages 85 and Over?

After your death, burial costs can cost an arm and a leg. Appendices that you cannot provide after your death and an invoice that will be submitted to your surviving family. Certainly, an expense of this magnitude is not something you hope for for your family after your death.

But the problem is compounded by your age, a health insurance for seniors over 85 policy costs a large investment and depending on others for a living makes this expense difficult to manage. So how can you put together the resources for final expenses, insurance premiums, and taxes? The only way to do this is to have affordable health insurance for seniors over 85.

Is Health Insurance Accessible to People in Poor Health?

Health insurance providers often take your general health into account when determining whether they will offer you a policy and how much you will pay for a policy. If you are not in good health, getting a policy can naturally be more difficult.

The following are examples of conditions that a health insurance company commonly looks at:
Heart disease
Arterial hypertension
High cholesterol
Smoking / COPD

If you have these or other pre-existing conditions, it can make it harder to get a health insurance policy. You may also have to pay a higher monthly premium for your policy.
It is essential to be as candid as possible about your pre-existing conditions with your insurance company.
You can also describe how you manage your health problems, such as how often you see a doctor, what medications you take, and other ways you take care of your health.

Can You Get Life Insurance After Age 85?

There is no term life insurance for people over 85, universal life insurance, or accidental death insurance. Don’t beat a dead horse more than necessary, but just know.

Only whole life insurance is available in this age group. The operation of a whole life insurance plan is incredibly simple.

Blue Cross Is Blue Shield Good Insurance?

The National Quality Assurance Committee (NCQA) gave Blue Cross’s commercial HMO / POS plan a maximum rating of 5 out of 5, making us one of only five out of 500 plans in the country to achieve this rating.


Health insurance quotes are completely free and optional if you request them. You need health insurance not only for financial protection, but it also gives you a lot of mental satisfaction. Remember that health insurance for seniors over 85 offers limited choices. But after a proper search in the right direction, you can find a decent one.

  • Top 10 Health Insurance for Seniors Over 85 Quotes.