One of the biggest issues a senior faces today is getting good health insurance coverage. Whether seniors are able to secure it themselves or need the help of a family member, they should not delay this important decision. Research shows that the lack of adequate health coverage is a major factor keeping seniors from seeking help with medical needs and potentially lifesaving exams. Getting quality health insurance coverage at an affordable price is possible by deciding what kind is needed and then asking for several health insurance quotes. By putting it off, a senior can find his life savings wiped out by one prolonged illness.

In the United States, we are fortunate to have the Medicare system as a foundation of health care coverage for those aged 65 and above. This is usually when people retire from the workforce and lose their employer-based health insurance.

Medicare will then kick in and help cover some of the basics but not until a deductible is met. The patient must also cover co-payments and anything that goes beyond Medicare's coverage limits. Medicare was never designed to fully cover a senior's medical bills, so for peace of mind the wise senior will look for supplemental insurance.

First of all, an overall health assessment should be made. If the senior is of relatively good health, selecting one of the four types of Medicare supplemental plans may be the right choice. If there are pre-existing conditions, be sure to check the stipulations of coverage for each insurance policy considered.

Another important type of insurance for seniors to think about is long term care insurance. This is coverage for care or residency in a nursing home. A senior should look at his asset situation and think about his future plans should he become unable to care for himself.

The four types of Medicare supplemental plans are: Point of Service Plans (POS); Preferred Provider Organization (PPO); Service by Fee Specialty Plans (FFS); and, Health Maintenance Organizations (HMO). Within those categories, there are many available options. There are distinct differences among Medicare supplemental policies and the choice depends entirely on the senior's situation. Health insurance quotes should be sought and then weighed with the pros and cons for each.

The most important thing is to start looking today, and get the right health plan in place before a sickness or accident occurs. Next, is to take advantage of the screening exams for cancer, high blood pressure, heart health and other easily detected problems while they are still small. Many lives can be saved if seniors and those who love and care for them will follow this guideline.