1. Policy presentation
Student’s Name
Affiliation
Professor’s name
Date

2. Introduction
I interviewed a senior woman approaching her sixty-eight birthday
I will refer to her as Nicole to protect her privacy
Ageing is associated with pains and dreaded aches
Nicole suffers from infrequent heart attacks
To understand how older populations deals with health issues and insurance covers, I interviewed a women approaching her sixty-eight birthday who I will refer to as Nicole for the protection of her privacy. According to Nicole, ageing is associated with pains and dreaded aches but she still considers this a natural progression that is according to God’s wishes. Notably, Nicole suffers from infrequent heart attacks, a chronic condition that worsens due to her lifestyle.

3. Payment for Health Insurance
Nicole is enrolled with Medicare plan C.
The Medicare advantage plan requires monthly premium payments
Additional coverage provided by a private insurance company
Notably, Nicole is enrolled on Medicare pan C, the Medicare advantage plan that requires monthly premium payments. The additional costs are incurred by her two daughters to ensure that she can get additional coverage from a private company such as the provision of medications.

4. Monthly Premiums An average of $175 per month This includes both the:
Prescription Drugs
Over the counter medications
Considerably, the Medicare advantage plan provides additional coverage but it is more costly compared to both plan A and B. while the latter has an average cost of $75 monthly, the Medicare advantage pan has a monthly premium of approximately $175 per month. Significantly, this features both over the counter medications and prescription drugs.

5. Prescription Medications
Medications prevent
heart attack and stroke
Slow the progression of
coronary heart disease
Prescriptions covered by
the insurance plan
Notably, the medications provided are important for her well-being as they prevent heart attack and stroke. The prescription drugs have been covered by the Medicare advantage plus insurance coverage. However, due to the high monthly premiums, her daughters, who are currently working, supplement the additional costs.

6. Different Health Insurance Coverage
Medicaid insurance
coverage
Low-income adults
Before enrolling for the Medicare insurance pan, Nicole had a different health insurance coverage with Medicaid which is designed for the low income adults. Despite this, she managed to enroll on the Medicare advantage plan after support from both her daughters who both work currently.

7. Medicaid Insurance Plan
Worse compared to Medicare advantage plan insurance
Provided hospital care, both outpatient and inpatient
Physician Services
Federal funds would reimburse prescription medications
Compared to the current insurance plan, Medicaid was worse in that it provided different services some of which would take lengthy period. Despite the fact that hospital care, physician services and prescriptions medications were provided, it varied with states and highly depended on federal funding thus low quality service provision was often encountered.

8. Problems in the Healthcare System
High insurance costs
for the elderly
Lack of insurance for
low-income earners
High cost of healthcare
services
Racial discrimination in health care
According to Nicole, the notable problem in the healthcare system include high insurance costs for the elderly which is five time to that of the younger generation, lack of insurance for the low-income earners due to the high cost of health care services and racial discrimination in healthcare as whites tend to receive different health procedures compared to that of African Americans.

9. Recommendations
Alternative insurance cover plans for the elderly population
Provision of better insurance covers to the lower income earners.
Subsidizing the cost of healthcare services
Implementing anti-discriminatory policies
Based on the highlighted challenges, Nicole highlights the need to provide alternative insurance cover plans for the elderly population above 65 years and provision of better insurance plans for the low income earners. Significantly, healthcare services should be subsidized by the federal government to enhance accessibility and anti-discriminatory policies should be implemented.

10. Medical Emergency Nicole suffered a heart attack
The recovery period was approximately 2 months
Total charges were approximately $71,900
Charges covered by the Medicare advantage plan
Notably, Nicole suffered a heart attack that had a lengthy recovery period of two months. This incurred significant costs that amounted to $71,900s but was covered by insurance adjustments. The balance due was approximately $1,200 that she paid with her savings.

11. Conclusion Medicare for the elderly Medicare advantage plan
High insurance costs
for the elderly
The interview with Nicole highlights how the elderly deal with health issues and issues associated with insurance coverage plan. While the Medicare advantage plan has provided her insurance cover for her condition, the high insurance costs incurred by the elderly is a major concern.