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Further, preexisting illnesses are frequently not covered, making insurance policies unviable for the elder. Indeed, seniors point out how they pay significantly more for insurance coverage than their utilisation justifies; which elders wind up subsidising the care of younger citizens, who from the bulk of health insurance coverage consumers. Government sponsored comprehensive pay for those living below poverty line, and elderly and destitute homes is important; as is family based insurance cover that addresses comprehensively, the unique health care needs on the elder..