Get to know and understand your health insurance plan - Thrifty Living Today
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Get to know and understand your health insurance plan

As I sit here, I am thinking of all the help and funds we have received from our health insurance plans for physician appointments, medical tests, surgeries and illness. 

Welcome to Thrifty Living Today, a special way of life for the Twenty-first Century.

My name is Lori Blatzheim and I am your host.

I became a retired nurse on Feb. 16, 2012. With that decision came a need for my husband and I to change our health insurance. (He had been on my plan until I retired).

I spoke with friends and family, asking which health insurance plan they had. I wanted to know what they thought of their plan and whether they were going to stick with it.

Once we decided on a plan, we called customer service and asked for information on prices, educational opportunities, and benefits.

We came to meetings, received lots of information and paperback books. Speakers did their best to present the plan and help us understand it.

My husband was considering surgery and in the months following my retirement, we had a number of phone conversations with the new health insurance team. By the time the surgery was performed, we felt we understood the payment process and were much more confident.


Why it is important to know and understand your health insurance plan

Some health insurance plans are looking at activities which help the insured. I recently learned that our new Senior health insurance plan supports activities which help the Senior before he/she becomes ill or injured.  These include dated physician appointments, special testing, and more education on diseases or conditions that the insured might have.


My favorite benefit from our health insurance program

My favorite benefit is “Silver Sneakers.” Have you ever heard of this? It is a plan that (as far as I can determine) is only available to those on Medicare.

I discovered, a few months ago, that our insurance plan allows us to go to certain fitness centers, at no additional cost. I was thrilled! I had gone to gyms and fitness centers before I retired, but now that I had a different income, I had thought this was no longer possible.

Our plan started on Jan. 1, 2013. I am now in the process of visiting the gym, checking out the treadmills, attending classes and participating in other opportunities. I feel better and I enjoy all the material I am reading about exercise and healthy living.

Not all insurance plans are presenting this opportunity to those they insure. If you want more information on Silver Sneakers, please read some of these posts:





I know not what the future will bring but I hope that the Silver Sneaker plan continues. I love the feeling of doing something that might help my mind, body, and spirit.


Lori Blatzheim is a wife, mother, grandmother, writer, thrift advocate, and retired nurse. She knows that use of Thrift can help people because she has experienced the benefits.

Are you a Senior? Do you have a friend or relative who is considering retirement or has already retired? Check out this web site: Retire and Renew:






Medicare Buz » Blog Archive » Health Insurance for Elderly: Apollo Munich Launches Optima Senior said:

Pingback from  Medicare Buz  » Blog Archive   » Health Insurance for Elderly: Apollo Munich Launches Optima Senior

March 11, 2013 11:10 PM

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About Lori Blatzheim

Created Retire and Renew, dedicated to those who are planing to or facing retirement or are living a Senior life: http:retireandrenew.com
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