Insurance for Seniors: What You Really Need After 60 Turning 60 is a major milestone — and it’s also the perfect time to review your insurance coverage. As you move into retirement and beyond, your needs change. Here's what insurance you should focus on after age 60 in 2025. 1. Medicare + Supplement Plans Enroll in Medicare at 65 (Parts A and B) Consider a Medigap policy or Medicare Advantage (Part C) to cover out-of-pocket costs Don’t forget prescription coverage (Part D) 2. Long-Term Care Insurance This type of policy covers services like assisted living, nursing home care, or in-home assistance — things Medicare does not pay for. Premiums are lower when purchased in your 60s. 3. Final Expense Insurance Also called “burial insurance,” this small policy (typically $5,000–$25,000) helps pay for funeral costs and small debts — reducing the financial burden on your family. 4. Life Insurance (If Needed) If you still have dependents, a mortgage, or want to leave a legacy o...