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Results from search: http://www.medsuppinfo.com/

Medicare, Medicare Supplement Insurance and your health care coverage options. MedSuppInfo.com provides Medicare, Medicaid, and Medicare Supplement information for our current insureds. Whether you are just entering into Medicare, are preparing for your future or exploring your health care coverage options, our website was designed to help. We invite you to take a look around - Learn more About Medicare and use the Test Yourself quiz to test your knowledge. Check the Q & A for answers to frequently asked questions. We have included a Site Map to help you find your way. Since we know you are concerned about the information you share on the Internet, we've included a section on Your Privacy .     Click here for a free Guide   Home | About Medicare | Frequently Asked Questions Special Articles | Latest News | Test Yourself | Contact Us Site Map | About Us | Your Privacy | Copyright and Legal Information Insurance benefits are underwritten by members of the AEGON Insurance Group including: Life Investors Insurance Company of America, Bankers United Life Assurance Company, Monumental Life Insurance Company, AUSA Life Insurance Company, Inc. and Transamerica Life Insurance Company More information on Members of the AEGON Insurance Group This information is brought to you by: AEGON Special Markets Group, Inc. Copyright © 1999

Results from search: http://www.medsuppinfo.com/medicare.asp

Medicare, Medicare Supplement Insurance and your health care coverage options. Medicare at a glance . Medicare was started in 1966 to help with medical expenses.  It's a national health insurance program designed to help people age 65 and over with medical expenses. It also assists certain younger disabled people and people who have kidney failure. There are two parts of Medicare, Hospital Insurance (referred to as Part A) and Medical Insurance (referred to as Part B).  Part A helps to pay for your in-hospital expenses, care in a skilled nursing facility, and provides limited benefits for home health care and hospice care. Part B helps to pay doctor bills, outpatient hospital care and other medical services not covered by Part A. Medicare Supplement insurance plans were developed to help fill the gaps in Medicare.   Medicare Supplement can only be sold in 10 standardized plans.  The ten standard plans, labeled A - J are outlined in the chart below. CLICK ON THE PLAN LETTER FOR MORE DETAILS ON THE BENEFITS IN THIS CHART... Medical Supplement Benefits By Plan Plan Letter Basic Benefits Part A Deductible Skilled Nursing Coinsurance Part B Deductible Part B Excess Foreign Travel Emergency At Home Recovery Drug Benefit Preventive Care A                 B               C         D         E           F * 100%       G   80%     H       $1,250   I   100% $1,250   J * 100% $3,000 Notes States may allow only some of the ten standard benefit plans. States may approve innovative additional benefit plans under certain circumstances. These standard benefit plans do not apply to policies sold in MA, MN and WI. Availability of plans varies from company to company. Beneficiaries must keep good records of prescription drug expenses as they must file the claims themselves. *Plans F and J also have an option called a high deductible Plan F and a high deductible Plan J.  These high deductible plans pay the same benefits as Plans F and J after you pay a calendar year $1,620 deductible.  Benefits from high deductible Plans F and J will not begin until out-of-pocket expenses total $1,620.  Out-of-pocket expenses for this deductible are expenses that would normally be paid by the policy.   These expenses include the Medicare deductibles for Part A and Part B.  These expenses do not include the prescription drug deductible of $250 in Plan J.  They also do not include the $250 foreign travel emergency deductible in Plan F and Plan J.     Click here for a free Guide   Home | About Medicare | Frequently Asked Questions Special Articles | Latest News | Test Yourself | Contact Us Site Map | About Us | Your Privacy | Copyright and Legal Information Insurance benefits are underwritten by members of the AEGON Insurance Group including: Life Investors Insurance Company of America, Bankers United Life Assurance Company, Monumental Life Insurance Company, AUSA Life Insurance Company, Inc. and Transamerica Life Insurance Company More information on Members of the AEGON Insurance Group This information is brought to you by: AEGON Special Markets Group, Inc. Copyright © 1999  

Results from search: http://www.tdi.state.tx.us/consumer/medsup.html

Texas Department of Insurance - Medicare Supplement Insurance Rate Guide            Popular Links ----------------- Agenda Agent Query Agent Renewals Agent Continuing Ed Agent License Changes Agent License Forms Agent License Information Agent License Processing Agent License Renewal Agent Testing Annual Reports Attorney for Service Audio - Internet Broadcasts Auto Insurance - Brochure Auto MAP Auto Rate Guide Brochures Bulletins Bulletins - Catastrophe Calendars Children's Insurance Commissioner's Bio Commissioner Orders Company Filings Company Information Company Profiles Complaint Data Complaint Forms Complaint Help Consumer Columns Corrections Procedure Customer Service Data Calls Dental Plan Insurers Disciplinary Actions Driver Training E-mail List E-mail Registration En Español Engineers Appointed Filing Smart Fire Industry Licensing Fire Marshal Licensing Fire Marshal Notices Fire Prevention/Outreach Fire Safety Inspections Fraud Report Fraud Unit Glossary - Insurance Terms Gramm-Leach-Bliley Privacy Health Care Information Council Health Coverage - Brochure Health Risk Pool Hearings Agenda HMO Application Status HMO Financial Reports HMO Information HMO Profiles Home MAP Homeowners Homeowners Brochure Homeowners Rate Guide Insurance Code (TIC) Insurance Terms Individual Health Provisions Insurance Rules (TAC) Internet Broadcasts Job Postings Jobs at TDI JUA Resources Legislation Summary 2001 Legislation Implementation Legislation Index Life & Health Long-Term Care Rate Guide Market Assistance Medicare HMOs Medsup Rate Guide Mold Resource News Media Page News Releases Open Records Payors Resource Page Physician/Provider Resource PPO Health Insurers Privacy Resource Page Professional Liability Prompt Payment Workshop Property & Casualty Public Information Office Public Insurance Counsel Publications Rate Guides Renew Agent License Report Arson Report Fraud Required Reports Reports Roofing List Rules - Informal Drafts Rules - Proposed/Adopted School District Resources Search Tips Senior Issues Site Index Site Map Small Business Resource Speakers Bureau Speakers Bureau Calendar State Planning Grant StormLink Strategic Plan Subscription Renewals TDI Bid Opportunities TDI Employee Contacts TDI Employment TDI History TDI Mission Statement TDI Organization List TDI Employee Phone List TDI Works for You Texas Administrative Code Texas Insurance Code Texas Register TexCare Partnership TIN Renewal TIN Subscription Title Title Manual Title Rates Top 40 Insurers Tort Reform TPAs/Premium Finance URA/IRO Viatical Settlement Providers Web Site FAQs What's New Windstorm Building Code Windstorm Inspections Windstorm Products Workers' Compensation Workers' Comp Rate Guide Forms/Databases/Lists ----------------- Agent CE Courses Agent CE Providers Agent Forms Agent Lists Agent Database Company Filings Company Filing Smart Company Lists Company Profiles Dental Plan Insurers Download Help Fire Marshal Forms Hail/Roofing Certification HMO Financial Reports HMO Forms Individual Health Provisions Life/Health Forms Life/Health Insurance Lists Life & Health Resources NAIC/State Filing Checklists Online Applications PPO Health Insurers Premium Finance Forms Property/Casualty Forms State Planning Grant TDI Reports TDI Subscriptions Texas Supplemental Forms Title Forms TPA Forms URA/IRO Forms/Information Viatical Forms Viatical/Settlement Providers Windstorm Forms Uniform C of A Workers' Comp Forms Workers' Comp Refunds Help . Index . Site Map     Print Friendly Version       Compact with Texans . Complaint . Contact Us . Look Up Agent or Insurer     Administrative Code . Insurance Code . News . Rate Guides . What's New     Home . About TDI . Consumer Help . Agent . Company . Enforcement . Fire Marshal Medicare Supplement Insurance Handbook & Rate Guide (Revised September 2001) Table of Contents Medicare and Medicare Supplement Insurance Medicare Basics Your Rights as a Medicare Supplement Consumer Shopping Wisely for Medicare Supplement Insurance How to Use the Guide Appendix - Summary of Medicare supplement benefits Click on the letter to view rates for that particular plan. A B C D E F G H I J Disability Under Age 65 Medicare and Medicare Supplement Insurance Medicare is a federal health insurance program for people 65 or older, some people under 65 with disabilities, and people with end-stage renal disease. If you are on Medicare, it will pay for much - but not all - of your health care. Medicare supplement insurance can help you fill in some of the "gaps" that Medicare alone won´t pay for. Therefore, it´s often referred to as "Medigap" insurance. There are 10 standardized Medicare supplement insurance plans, labeled "A" through "J." Each plan offers a different level of benefits. Two plans, F and J, offer a high-deductible option. Not everyone needs a Medicare supplement policy. If you are enrolled in certain other types of health plans, the gaps in your Medicare coverage may already be covered. You may not need Medicare supplement insurance if you receive Medicaid you belong to a Medicare+Choice plan you are a Qualified Medicare Beneficiary (QMB) you have group health insurance through an employer or former employer. For More Information about Medicare, Medicare Supplement Insurance, and Medicaid Call the Texas Department on Aging´s State Health Insurance Assistance Program (SHIP) 1-800-252-9240 1-800-252-9108 (TDD) For information about your rights and public assistance benefits, call the Legal Hot Line for Older Texans 1-800-622-2520 1-877-526-9953 (TDD) Call the Centers for Medicare and Medicaid Services (CMS) Dallas regional office 214-767-6401 For information about Medicare+Choice plans available by county or ZIP code, visit the CMS Web site www.medicare.gov For information about Medicaid, call the Texas Department of Human Services 1-888-834-7406 1-888-425-6889 (TDD) For information about Medicare supplement insurance sold in Texas, call the Texas Department of Insurance (TDI) Consumer Help Line 1-800-252-3439 1-800-735-2989 (Relay Texas) Call TrailBlazer Health Enterprises or visit the TrailBlazer Web site. TrailBlazer is the Medicare carrier for Texas. 1-800-442-2620 www.the-medicare.com PART I - TEXAS MEDICARE SUPPLEMENT HANDBOOK Return to Table of Contents Medicare Basics Medicare Part A (hospital) pays for in-patient hospital services, skilled nursing facility care after a hospital stay, home health care, and hospice care. Medicare Part A also pays for all but the first three pints of blood in a calendar year. See the Centers for Medicare and Medicaid Service´s Medicare and You handbook for information on Medicare Part A deductibles and copayments. This handbook is mailed to Medicare beneficiaries each year. Medicare Part B (medical) pays for medical expenses, clinical laboratory services, and outpatient hospital treatment. In most cases, Medicare pays 80 percent of the cost of covered services. You must pay a $100 annual deductible and the remaining 20 percent of the cost of services. The portion you pay is called coinsurance. Covered medical expenses include physicians´ services and supplies. Some Medicare Part B services are paid as a fixed copayment under the new outpatient prospective payment system (PPS). Depending on which services you receive and where you get the service, your out-of-pocket costs may be higher or lower than they were previously for the same service. Medicare also pays for some preventive services. Ask your physician whether Medicare will pay for the preventive services you´re considering. Services Not Covered by Medicare Custodial care, such as help in walking, getting in and out of bed, dressing, bathing, toileting, shopping, eating, and taking medicine More than 100 days of skilled nursing facility care during a benefit period following a hospital stay (the Medicare Part A benefit period begins the first day you receive a Medicare-covered service and ends when you have been out of the hospital or a skilled nursing facility for 60 consecutive days) Private duty nursing care Most outpatient prescription drugs Homemakers´ services Most dental care and dentures Health care you receive while traveling outside the United States (except under limited circumstances) Cosmetic surgery and routine foot care Routine eye care, eyeglasses (except after cataract surgery), and hearing aids. Provider Fees and Assignment Health care providers who accept "assignment" receive the amount Medicare approves for a service or supply as payment in full. You are responsible for paying any deductibles, coinsurance, and copayments. Part B Medicare pays 80 percent of the approved charge after you´ve met your annual deductible; you or a Medicare supplement policy pay the coinsurance or copayment. Providers who do not accept assignment may charge 15 percent above the Medicare-approved amount when treating Medicare patients. You must pay the excess 15 percent. The amount you owe is shown on the Explanation of Medicare Benefits or Medicare Summary Notice, which you receive from Medicare. If you were charged more than the 15 percent and paid it, your provider must refund the excess charges to you within 30 days. If you believe a provider has overcharged you, question the bill before you pay it and contact TrailBlazer Health Enterprises, the Medicare carrier for Texas. TrailBlazer maintains the Medicare Participating Physician/Supplier Directory, which lists physicians and other providers who accept assignment on all Medicare claims. For a list of providers who accept assignment in your area, call TrailBlazer or visit the TrailBlazer Web site. Medicare Supplement Insurance Medicare supplement insurance fills the gaps between Medicare benefits and what you must pay out-of-pocket for deductibles, coinsurance, and copayments. A deductible is the amount you must pay each year for covered medical expenses before Medicare or Medigap insurance begins to pay benefits. Both Medicare Part A and Part B have deductibles. A copayment is a fixed charge for a medical service. Coinsurance is the percentage of the cost of a covered service that you or a Medigap policy pay after Medicare pays its portion of the cost. Medicare only pays for services that it deems are "medically necessary." Medigap policies only pay for Medicare-approved services, and payments are generally based on the Medicare-approved charge. Medigap Benefits There are 10 standardized plans of Medigap benefits. These plans are labeled "A" through "J." Each company must use these same identifying letters. All companies that sell Medigap insurance must offer Plan A, but do not have to offer the other nine plans. The benefits provided by these policies are described on the inside back cover of this handbook. If you bought a Medigap policy before the 10 standardized plans were first required in 1992, you may keep your existing policy. You do not have to switch to one of the 10 standardized plans. Medigap policies cover deductibles, copayments, and coinsurance for Medicare Part A and Part B. Some Medicare supplement policies offer benefits that Medicare doesn´t, such as prescription drug coverage, emergency care while in a foreign country, and preventive health care services. Medigap benefits are set by the federal government. Medicare Select Medicare Select is a type of Medigap policy that may give you a lower price in return for using only the providers on your insurance company´s "network providers" list. Medicare Select coverage can be issued by an insurance company or a Medicare health maintenance organization (HMO). If you leave a Medicare Select plan, the company must make available any non-Medicare Select policy it has on the market with comparable or lesser benefits. Alternatives to Medicare Supplement Insurance Before you buy a Medigap policy, consider these other options. If you are part of an employee group plan, a member of a Medicare+Choice plan, on Medicaid, or are a Qualified Medicare Beneficiary, you may not need Medicare supplement insurance. Employee Group Plans If you remain employed after your 65th birthday, you may continue your group health insurance where you work. If so, you may not need Medicare Part B or Medigap insurance. Likewise, if you are the spouse of a worker over 65 and you remain on your spouse´s policy at work, you may not need a Medigap policy. You also may not need Medigap coverage if you have health care coverage through a union or fraternal organization. Retirees who remain on their employers´ health plans also might not need Medigap coverage. Because health plans work differently, talk to your employer's benefits coordinator before making a decision about Medigap insurance. Additional information about delaying Part B enrollment is available in the Guide to Health Insurance for People with Medicare booklet. Medicare+Choice Plans If you are in a Medicare+Choice plan, you don´t need a Medigap policy. There are two different types of Medicare+Choice plans: managed care plans, which include HMOs, preferred provider organizations (PPOs), provider-sponsored organizations (PSOs), and religious fraternal benefit society pans (RFBs) private fee-for-service plans. Medicare pays a monthly premium to the Medicare+Choice plan to provide your health care. In addition, the plan may require you to pay an additional premium and may charge a copayment each time you use a covered service. To be a member of a Medicare+Choice plan, you must have both Medicare Part A and Part B and live in an area that has a plan. Not all plans are available in all areas of the state. Medicare HMOs require you, in most instances, to use only physicians and hospitals in the HMO's network. The Medicare HMO with a point-of-service option allows you the flexibility to choose your own doctors, but you must pay extra. You can generally go to any doctor or provider you want with a private fee-for-service plan, and may receive care anywhere in the United States, as long as the doctor and provider agree to treat you and accept the plan´s payment terms. If your Medicare+Choice plan terminates its contract in your service area, you are guaranteed the option to purchase any Medigap plan A, B, C, or F offered in Texas. Companies may not place any restrictions, such as pre-existing conditions exclusions, on these policies. This is called "guaranteed issue." However, to ensure your guaranteed issue rights, you must apply for a policy within 63 days after your Medicare+Choice plan´s coverage ends. Medicaid If your income and assets are below a certain level, you might be eligible for Medicaid. You do not need a Medigap policy if you receive Medicaid because Medicaid pays eligible expenses in full. For information about Medicaid, call the Texas Department of Human Services (DHS). Medical Savings Programs Medicaid-sponsored Medical Savings Programs may pay Medicare premiums, deductibles, and coinsurance amounts for eligible Medicare beneficiaries. These programs allow Medicare beneficiaries to better direct their savings to cover other expenses. The Qualified Medicare Beneficiary (QMB) program, the Specified Low-Income Medicare Beneficiary (SLMB) program, the Qualified Individuals (QI-1 and QI-2), and the Qualified Disabled Working Individuals (QDWI) are all Medical Savings Programs. The federal QMB program pays the Medicare Part B premium and covers all Medicare deductibles and copayments for people with incomes below a certain level. You do not need Medicare supplement insurance if you are in the QMB Program. QDWI pays Medicare Part A premiums. The other plans pay all or part of your Medicare Part B premium. For information on eligibility requirements for these programs, call the Texas Department of Health. You also may call your local Social Security office for assistance. Check your phone book for the office nearest you. Return to Table of Contents Your Rights as a Medicare Supplement Consumer Open Enrollment Seniors: Companies must sell you a Medigap policy - even if you have health problems - if you are at least 65 and apply within six months after enrolling in Medicare Part B. These six months are called your "open enrollment" period. During open enrollment, a company must allow you free choice among all the Medicare supplement policies it offers. You can use your open enrollment rights more than once during this six-month period. For instance, you may change your mind about a policy you bought, cancel it, and still have the right to buy any other Medigap policy, so long as the sale takes place during the six months after you enroll in Medicare Part B. Even though a company must sell you a policy during your open enrollment period, it may require a waiting period of up to six months before covering your pre-existing conditions. Pre-existing conditions are conditions for which you received treatment or medical advice or recommendations from a physician within the previous six months. Your right to open enrollment is absolute, even if you wait for several years after you become 65 to enroll in Medicare Part B because of continued employment or other reasons. Texans with disabilities: In Texas, people under age 65 who receive Medicare because of disabilities have a six-month open enrollment period beginning the day they enroll in Medicare Part B. This open enrollment right is only applicable to Medigap Plan A. Companies selling Medicare supplement insurance in Texas may not deny you a Plan A policy because you have pre-existing conditions. Companies are not required to offer Plans B-J to Texans with disabilities, but they may do so if they wish. If you need more than basic Medigap Plan A, you may be able to expand your coverage by contacting a company that offers more than Plan A for people with disabilities purchasing a Medicare supplement policy when you turn 65. Even if you are already receiving Medicare because of a disability, you have a six-month open enrollment period to purchase any Medigap plan a company offers when you turn 65. Special Enrollment You may have the right to buy a Medigap policy outside of your open enrollment period if you lose certain types of health care coverage. In general, your right to purchase Medigap coverage is limited to plans A, B, C, or F. Special enrollment periods are time sensitive and require proof of the loss of your health care coverage. Texans with disabilities also have special enrollment rights in Texas. 30-Day "Free Look" You can return your Medigap policy within 30 days after receiving it and get your money back - with no questions asked. Be sure to keep a record of the date you received the policy. Read the policy as soon as you get it. Don't wait until the last minute. If you return the policy to the company, use certified mail with a return receipt to ensure that it's returned within the 30-day time limit. Renewability All Medicare supplement policies are guaranteed renewable. A company cannot cancel your policy or refuse to renew it unless you made intentional material false statements on your application or failed to pay your premium. However, the amount of the premium is not guaranteed. An insurance company may raise your premium, but may do so only once each year. If you have an "attained-age policy," a company may also raise your premium on your birthday. Medicare Supplement Claims Your doctor and other health care providers must submit Medicare claims to TrailBlazer for you. In most cases, TrailBlazer will then send your Medigap claim directly to your insurance company. Medigap policies won´t pay for services that Medicare does not deem medically necessary. Therefore, if TrailBlazer denies your claim as medically unnecessary, your Medigap company won´t pay it. You have the right to appeal TrailBlazer´s decision to deny a claim. The appeal process is described in your Medicare Summary Notice. Call your local State Health Insurance Assistance Program office if you need help with an appeal. If your Medigap company refuses to pay a claim for a Medicare-approved charge or delays payment of your claims, call TDI. Group Medicare Supplement Insurance Your rights with a group Medicare supplement policy are essentially the same as with an individual policy. Because the group might make decisions that are out of your control, you have the following protections: If the group changes insurance companies, the new company must offer coverage to everyone previously covered. The new policy must cover pre-existing conditions that were covered by the old policy. If you leave the group, the insurance company must offer to provide unbroken Medicare supplement coverage with an individual policy or continuation of your group insurance. If the group cancels its coverage, the insurance company must offer you either an individual policy continuing the benefits you had before or a different policy meeting Texas requirements. Unfair Practices Agents and companies may not engage in any of the following illegal activities: Knowingly making any misleading statement that causes someone to drop a policy and buy a replacement from another company. This is called "twisting." Using high-pressure tactics, including the use of force, fright, or threat to pressure someone into buying a policy. Obtaining sales leads by using advertising that hides the fact that an agent or company may try to sell you insurance. This is called "cold lead advertising." Posing as a representative of Medicare or a government agency. Selling you a Medigap policy that duplicates Medicare benefits or health insurance coverage you already have. An agent is required to ask if you have other health policies. Suggesting that you falsify an application. Using misleading advertisements made to look like mail from a government agency by including eagles or similar graphics or official-sounding government bureaus on the return address. Return to Table of Contents Shopping Wisely for Medicare Supplement Insurance Key Points to Remember when Shopping Medicare coverage: You must have both Medicare Part A and Part B to buy a Medicare supplement policy. Open enrollment: Insurance companies must sell you a Medicare supplement policy - despite any health problems you have - during the first six months after you turn 65 and enroll in Medicare Part B. This is called "open enrollment." People under 65 with disabilities also are entitled to open enrollment for Medicare supplement Plan A for six months after enrolling in Medicare Part B. However, a company may impose a waiting period of up to six months before paying for health care related to a pre-existing medical condition. Special enrollment: If you lose health coverage that supplements Medicare, you may be eligible to buy certain Medigap policies outside of open enrollment. This protection extends to persons under age 65 on Medicare. Free look: You can return a policy within 30 days of the date you receive it for a full refund. Use this "free look" period to review the policy carefully. Switching policies: Before buying any new policy, read your existing policy and the new policy. Don't switch policies just to get a lower price. Premiums can increase. Group coverage: Group insurance through an employer or former employer often is cheaper and more comprehensive than Medicare supplement insurance. Ask before your retirement if you can keep your employee health insurance or convert it to suitable Medicare supplement coverage after you turn 65. Money-Saving Tips Shop around. Standardized benefit plans make price shopping easy. Use the rate guide section of this handbook to compare the prices of the plans that interest you. Consider other factors. Price should not be your only consideration. You can learn a company's complaint record and A.M. Best financial strength rating by calling TDI's Consumer Help Line . Both are important indicators of the service you can expect from a company. Your family and friends are other sources of information about a company´s customer service. Ask them if they have had any experiences with the companies you are considering. Consider your needs. Although it is illegal to sell you more than one Medigap policy, insurers may offer other policies with benefits that may overlap Medigap coverage. These include cancer, specified disease, hospital indemnity, and long-term care policies. Any duplication of benefits must be disclosed in writing. In general, duplicate coverage wastes money. Before buying, consider your budget and your health care needs. Find out whether your provider accepts assignment. Providers who accept assignment of Medicare claims agree to charge the amount approved by Medicare for a particular treatment or service. Some providers do not agree to assignment. These providers may charge up to 15 percent more than the Medicare-approved charge. You must pay this excess amount. If your provider does not accept assignment of Medicare benefits, discuss the provider's charges ahead of time. This could help you avoid charges that Medicare or your Medigap insurance will not pay. Protect Yourself Read what you are asked to sign before you sign it. Never sign a blank application form. If an agent tries to rush you, be suspicious! Buy from an agent you know and trust. If you buy insurance by mail, ask if the company has a local agent or a toll-free number that you can call for answers to questions or help in filing claims. Ask questions and take notes when you talk to an agent. These could help you later if there is a dispute over what you were told about a policy. Make sure the agent and company are licensed. You can verify company and agent licenses by calling TDI´s Consumer Help Line 1-800-252-3439 Don´t buy insurance on the agent´s first visit. Invite someone you trust to be present during the second visit. An agent shouldn´t object. Answer all questions on the application accurately. Don´t let the agent fill it out for you. If an agent helps you complete the application, make sure the information is correct and complete before you sign. Omitting or falsifying information could cause the company to deny your claims or cancel your policy. Do not pay cash or make a check out to an individual agent. Always pay by check or money order so you have a clear record of payment. Make checks payable only to the insurance company or insurance agency. Insist on a receipt signed by the agent on the company´s letterhead. Be sure you have the names and addresses of the agent and the insurance company. Know how to contact the agent and the company if you need help. PART II - TEXAS MEDICARE SUPPLEMENT RATE GUIDE Return to Table of Contents How to Use the Guide The companies listed are licensed to sell their plans throughout Texas. Companies selling Medicare Select will sell by specific areas of the state. For information about a company´s plans, call the company at the toll-free number listed in the guide or call one of the company´s agents. Check your phone book for the phone numbers of agents in your area. If a company has a Web site, the address is included in the guide. The premiums listed vary according to area, benefits, and other factors. To learn the exact premium you would pay, call your agent or the company. Appendix The Appendix describes the basic benefits offered in plans A through J and the additional benefits offered in plans B through J. Organization of the Rate Information All the companies that sell Plan A are listed together in alphabetical order. The company's rates for ages 65, 70, and 75 are shown. After the list of companies offering Plan A is an alphabetical list of companies that sell Plan B policies. Separate lists follow for companies that sell plans C through J. The number of companies selling each plan varies. All companies must offer Plan A, but they do not have to offer any of the other plans. The guide identifies companies that offer a high-deductible option for plans F and J. Following the tables for the 10 standardized plans is a table with information about Plan A rates for people under age 65 with disabilities. Group policies are listed at the end of each individual plan list. Key to the Rate Tables Benefits: The chart on the inside back cover summarizes the benefits provided in each of the 10 plans. An explanation of the standard benefit plans is provided in the appendix. Rates: The rates shown are the annual premiums you would pay in one lump sum for a year. Rates are given for the lowest annual premium the company charges and the highest annual premium. The exact premium you will pay is based on a variety of factors. Rates vary if you pay monthly or quarterly. If you have an issue-age policy, your premiums are based on your age at the time you buy. Companies may increase issue-age policy premiums once during your first year of coverage. After that, the company may not increase the premium for 12 months. If you have an attained-age policy, your premium will increase on your birthday, in addition to any rate increase during the first 12 months. Premiums usually change in January. Medigap rates are set by insurance companies, and are subject to approval by the Texas Department of Insurance. Age: Rates are shown for people buying at ages 65, 70, and 75. You should compare costs at different ages over time. For people under 65 with disabilities, one price is shown. Pre-existing conditions: If you move from one Medicare supplement policy to another, you get credit for the time you were covered under your prior policy. If you have had a policy for at least six months, your new policy will not have a waiting period for pre-existing medical conditions. If you are age 65 or over, have had a employer health insurance plan for at least six months, and if you purchase a Medicare supplement policy within 63 days of leaving your employer plan, you should not have a waiting period for pre-existing medical conditions. If you are not replacing a policy and a company accepts you, the company may impose a waiting period of up to six months before covering pre-existing medical conditions. The amount of time you must wait before pre-existing conditions are covered by a policy is shown in the column labeled "Pre-Ex-Wait" in the rate tables. Group policies: You must be a member of a particular group, association, or organization to get group insurance coverage. In general, rates for group coverage are lower than rates for individual policies. Group policies are listed by plan after the individual policies. Disability Under Age 65 - Other Plans: This table lists companies that offer additional plans to people under age 65 with disabilities. Since Texas law requires companies only to offer Plan A, people with disabilities must meet a company´s guidelines to be eligible for any of the additional plans the company offers. Notes: Rates and policies vary according to several factors. Each one is given a different symbol in the guide: AA Attained Age: The AA symbol means the price of this policy will automatically increase as you get older. This increase will be in addition to any general premium increase by the company. GI Guaranteed Issue: The GI symbol means you will not be required to answer health questions or take a medical exam to qualify for coverage. If you do not qualify for a policy because of your health history, and your open enrollment period has passed, you should be able to buy a guaranteed issue policy from one of these companies. MS Medicare Select: The MS symbol means the policy is a Medicare Select policy. Medicare Select is a cost-control program in which services are provided only through a specific list of network providers. Medicare Select policies are offered by area. AR Area: The AR symbol means the company has different rates for different areas of the state. Call the company or ask the agent to find out what premium is charged in your area. FM Female/Male: The FM symbol means the company charges different rates for females and males. NS Nonsmoker: The NS symbol means the company charges higher prices for smokers than for nonsmokers, except during the open enrollment period. Links to Rate Tables Return to Table of Contents APPENDIX - SUMMARY OF MEDICARE SUPPLEMENT BENEFITS Medicare supplement plans A-J all provide these basic benefits to cover gaps in Medicare: Your daily copayments for hospitalization expenses from the 61st through the 90th day of any Medicare benefit period. Medicare Part A copayments for any hospital confinement beyond the 90th day in a benefit period, up to an additional 60 days during your lifetime. (These are your inpatient "reserve days." You may use these days when you require more than 90 days in the hospital during a benefit period. When you use a reserve day, it is subtracted from your lifetime total and cannot be used again.) All Medicare-eligible hospital charges for a period of up to 365 additional days during your lifetime after you have exhausted all your Medicare hospital benefits. The reasonable cost of the first three pints of blood, or their equivalent, under Medicare Parts A and B, unless replaced. Your 20 percent Part B copayment for Medicare-eligible expenses for medical services - including doctor bills, hospital or home health care, and outpatient hospital treatment - after you have met your Part B deductible. Additional Benefits in Plans B through J Plans B through J offer the following additional benefits: Skilled nursing facility care: Covers actual billed charges up to your coinsurance amount from the 21st day through the 100th day in a benefit period for post-hospital skilled nursing facility care eligible under Medicare Part A. This is not custodial care. (Available on plans C through J.) Part A deductible: Pays the entire Medicare Part A deductible amount per benefit period. (Available on plans B through J.) Part B deductible: Pays the entire Medicare Part B deductible amount per calendar year, regardless of whether you were hospitalized. (Available on plans C, F, and J.) Medicare Part B excess doctor charges: Pays 80 percent or 100 percent of the excess fees, which are limited by law to 15 percent above the Medicare approved amount. If most of your doctors take Medicare assignment, you may not need this benefit. (100 percent coverage in plans F, I, and J; 80 percent coverage in plan G) Foreign travel emergency: Pays 80 percent of the billed charges for foreign emergency care that Medicare would have covered if provided in the United States. Care must begin during your first 60 days outside the United States. Calendar year deductible is $250. Lifetime maximum benefit is $50,000. (Available on plans C through J.) At-home recovery: Pays for doctor-approved, short-term, at-home assistance with activities of daily living while recovering from an illness, injury, or surgery. Limited to seven visits per week by a qualified care provider. Pays actual charges up to $40 per visit, with a maximum of $1,600 per year. (Available on plans D, G, I, and J.) Preventive medical care: Includes an annual physical examination, certain lab tests, and other preventive measures deemed appropriate by your physician. Maximum benefit is $120 per year. (Available on plans E and J.) Prescription drug benefits: Basic: Pays 50 percent of your outpatient prescription drug charges after you meet a deductible of $250 per calendar year. To receive the maximum benefit of $1,250 per calendar year, your prescriptions would have to cost $2,750. (Available on plans H and I.) Extended: Same as the basic prescription benefit but with a maximum benefit of $3,000 per calendar year. Your prescription costs must be at least $6,250 for you to get the maximum benefit. People with high prescription or medical costs will probably not be able to get this plan unless they apply during their six-month open enrollment period. (Available on Plan J.) High deductibles: Offers the same benefits, but you pay a lower premium in exchange for paying a higher deductible. A deductible is the amount you pay out of pocket before the policy pays. With a high-deductible option on a Medicare supplement policy, you must pay $1,580 out of pocket before the policy pays for covered services. The deductible amount can change each year. (Available on plans F and J.) The 10 Standard Medicare Supplement Insurance Plans There are 10 standardized Medicare supplement insurance plans, labeled "A" through "J." Each plan offers different levels of benefits. This chart summarizes the benefits offered with each plan. Every company must offer Plan A. These basic benefits are included in all 10 plans: Hospitalization: Part A coinsurance plus coverage for 365 additional days after Medicare benefits end. Medical expenses: Part B coinsurance (generally 20 percent of the Medicare-approved charge). Blood: First three pints of blood each year. Click on the letter to view rates for that particular plan. A B C D E Basic benefits Basic benefits Basic benefits Basic benefits Basic benefits     Skilled nursing coinsurance Skilled nursing coinsurance Skilled nursing coinsurance   Part A deductible Part A deductible Part A deductible Part A deductible     Part B deductible                   Foreign travel emergency Foreign travel emergency Foreign travel emergency       At home recovery                     Preventive care   F* G H I J* Basic benefits Basic benefits Basic benefits Basic benefits Basic benefits Skilled nursing coinsurance Skilled nursing coinsurance Skilled nursing coinsurance Skilled nursing coinsurance Skilled nursing coinsurance Part A deductible Part A deductible Part A deductible Part A deductible Part A deductible Part B deductible       Part B deductible Part B excess (100%) Part B excess (80%)   Part B excess (100%) Part B excess (100%) Foreign travel emergency Foreign travel emergency Foreign travel emergency Foreign travel emergency Foreign travel emergency   At home recovery   At home recovery At home recovery     Basic drug benefit ($1,250 limit) Basic drug benefit ($1,250 limit) Extended drug benefit ($3,000 limit)         Preventive care * Plans F and J also have a high-deductible option. Although your deductible is higher, you have a lower premium. The high-deductible plans have the same benefits as the regular plans F and J. Texas Department of Insurance Created/Updated 10-02-2001       Source: Dynamic Menu [ Top ]   Related Web Sites Legislature . Statewide Search . Texas Home Page . TexasOnline Federal Emergency Management Agency (FEMA) Life Guaranty Association . P&C Guaranty Association National Association of Insurance Commissioners (NAIC) Office of Public Insurance Counsel . State Insurance Departments Surplus Lines Stamping Office Texas Automobile Insurance Plan Association (TAIPA) Texas Health Care Information Council Texas Workers' Compensation Commission   Web Site Policy Links Accessibility . Compact with Texans . Corrections Procedure Required Reports . Disclaimer . Open Records . Privacy State Link Policy . Web Site Development Guideline

Results from search: http://www.ohioinsurance.gov/ConsumServ/OCS/MedGuide/MedicareShoppersGuide.htm

Ohio Dept of Insurance - Ohio Shopper's Guide to Medicare Supplement Insurance and Medicare HMO's      About ODI  News  Consumer  Agent  Company  Contact  Consumer Tip       Quick Links       Consumer   Publications       File a Consumer   Complaint       Online Agent   Application      Agent Locator      Fees Schedule        ODI Divisions      Legislative      Forms   Search         Search Tips                             Home >  Consumer Information >  Consumer Publications >  Ohio Shopper's Guide to Medicare Supplement Insurance & Medicare HMO's   View the complete Shopper's Guide to Medicare Supplement Insurance &  Medicare HMO's   (1.1M) *Complete Guides may take several minutes to download on 56K or slower modems. Click below to view individual chapters of this shopper's guide. Shopper's Guide Table of Contents Medicare Basics     When & How to Enroll     How Medicare Works      Preventive Care     Private Contracts     Options for Benefits MedSup     Open Enrollment     MedSup Q & A     Retirement Plans     Balance Billing Ban     Shopping for MedSup     Medicare Select Medicare+Choice Plans     Service Areas, Benefits, Costs MedSup Policies & Premiums     Age 65     Age 70     Age 75     Age 80     People with Disabilities Assistance for People with Medicare     Resources for Beneficiaries     Insurance Counseling Note: Adobe Acrobat Reader is required to view many documents, forms and applications in this section. Click the Adobe icon on the left menu to download Adobe Acrobat Reader for free.   Privacy Notice Disclaimer Feedback Bulletins Rules Ohio Administrative Code Ohio Revised Code

Results from search: http://www.lowinsure.com/Medicare_Supplements.htm

Medicare Supplemental Insurance for Oregon Medicare Supplements: Although the benefits are identical for all Medicare Supplemental Insurance Plans of the same type, the premiums may vary greatly from company to company and area to area. In Oregon there are 25 companies that sell Medicare Supplement Plans. We represent many of them. The U.S. Government Medicare site has a page of publications for further information on Medicare and Insurance, and you can also check out our chart of basic types of medicare supplements.   Medicare Supplemental Insurance Options: Medicare supplement coverage can be sold in only ten standard plans. We feel that the best care is received when you have your choice of Doctors, and you and your Doctor make your medical decisions. Medicare HMO plans (MCO) are also available. Medicare Supplements are available with no medical underwriting during your open enrollment period. This is the 6 months before and 6 months after your 65th birthday. The only other time for open enrollment is if you are disabled and put onto Medicare. Then the 6 months after going onto Medicare is an open enrollment period. You may however, apply to a company and fill out the medical underwriting questions after open enrollment. Medicare Supplemental Insurance (Medigap) is specifically designed to supplement Medicare's benefits and is regulated by federal and state law, It must be clearly identified as Medicare supplemental insurance and it must provide specific benefits that help fill the gaps in your Medicare coverage. Other kinds of insurance may help you with out-of-pocket health care costs but they do not qualify as Medigap plans. Standard Medigap Plans: To make it easier for you to compare Medigap insurance policies, all states (except Minnesota, Massachusetts and Wisconsin), U.S. territories and the District of Columbia limit the number of different Medigap policies that can be sold in any of those jurisdictions to no more than 10 standard Medigap plans. The plans were developed by the National Association of Insurance Commissioners and incorporated into state and federal law. They have letter designations ranging from "A" through "J," with Plan A being the "basic" benefit package. Each of the other 9 plans includes the basic package plus a different combination of additional benefits. Plan J provides the most coverage of all the plans. The plans cover specific expenses either not covered or not fully covered by Medicare. Insurance companies are not permitted to change the combination of benefits or the letter designations of any of the plans. What is Medicare? Medicare is a national health insurance program for people 65 years of age and older, certain younger disabled people and people with permanent kidney failure. Medicare is run by the Health Care Financing Administration. The Social Security Administration helps HCFA by enrolling people in Medicare and by collecting Medicare premiums. Medicare is divided into two parts: Hospital Insurance (Part A) and Medical Insurance (Part B). Part A helps pay for care in a hospital, skilled nursing facility, some home health care, and hospice care. Part B helps pay for doctor bills, outpatient hospital care and other medical services not covered by Part A. Your Medicare card shows the Medicare coverage you have--Hospital Insurance (Part A), Medical Insurance (Part B), or both--and the date your coverage started. Enrollment in Medicare is handled in two ways: either you are automatically enrolled or you must apply. If you are getting Social Security or Railroad Retirement Board benefits before you turn 65, you are automatically enrolled and your Medicare card will be mailed to you about three months before your 65th birthday. If you are not receiving retirement benefits, you must apply by contacting a Social Security Administration office or, if appropriate, the Railroad Retirement Board. You should apply three months before your 65th birthday to avoid a possible delay in the start of your coverage. If you have been a disabled beneficiary under Social Security or Railroad Retirement for 24 months, you will automatically get a Medicare card in the mail.   Copyright 2001 Lowinsure.com All rights reserved. Any problems or suggestions for the website, contact webmaster@lowinsure.com Loewenthal Insurance is located in Eugene, Oregon. See About Us for full contact information. Please feel free to contact us with any questions.   Home Health Plans MSA International Insurance Dental Disability Long Term Care Prescription Medicare Supplement Life Links About Us Glossary

Results from search: http://www.coverageglossary.com/pages/medcare1.htm

The Insurance and Planning Resource Center: {title}     MEDICARE SUPPLEMENT ("MEDIGAP") INSURANCE Medicare has two parts: Part A (Hospital Insurance) and Part B (Medical Insurance). However, Medicare does not pay for all hospital and medical bills you incur. There are strict limits regarding what is and isn't covered. Medicare Part A covers some costs related to hospital stays and is available for people who are 65 years old and over. Medicare Part B covers some costs related to doctor visits, tests, supplies, and outpatient services. Both Medicare Parts A and B cover only those services that are considered "medically necessary" and only those charges that are considered "reasonable." Given this information, it should come as no surprise that there are often major gaps between the hospital and medical bills you incur and what Medicare actually pays for. To cover these gaps, you can purchase Medicare supplement insurance -- also known as "Medigap" insurance. However, Medicare supplement insurance plans vary tremendously. Some may be benefit-rich, while others may provide only very basic benefits. Ultimately only you can decide if a plan fits your lifestyle and budget, but we strongly recommend that you consult a professional before making any decision. In addition, you should be aware of these pitfalls: Medicare supplement insurance does not fill all gaps, so still be prepared for some out-of-pocket expenses. You must be enrolled in Medicare Parts A and B to be eligible for Medicare supplement insurance. It is illegal for someone to sell you a duplicate policy -- do not purchase a duplicate! If you will be replacing an existing policy, be very careful and do so only with full awareness and complete understanding. Do not purchase Medicare supplement insurance if you are eligible for Medicaid. Contact your state welfare department instead. Related Topics: Potential Gaps In Medicare Coverage Long Term Care Insurance Home Page The Insurance and Planning Resource Center: MEDICARE SUPPLEMENT ("MEDIGAP") INSURANCE     Back To Insurance & Planning Resource Center   Copyright© 2000 the Hudson Internet, All graphics and navigation elements are trademarks of The Hudson Internet. All Rights Reserved.       Copyright © 1995, 1996, 1997, 1998, 1999, 2000 Lewis-Chester Associates, Inc. All rights reserved. We are pleased to participate in New-Jersey Communities Online®.

Results from search: http://www.pyramidlife.com/products/med_supp.asp

Medicare Supplement Insurance, M-40, 41, 42, 43, 45, 46 HEALTH INSURANCE Medicare Supplement Medicare Select Tax Qualified Long Term Care Tax Qualified Home Health Care Tax Qualified Nursing Home Care LIFE INSURANCE New Senior Combo Life Simplified Issue Life Guaranteed Issue Life Universal Life Old Fashioned Whole Life 10 Year Level Term OTHER PRODUCTS First Diagnosis Cancer Cancer Ultimate Annuities This site is best viewed with one of these products: | Copyright © Pyramid Life Insurance Company IDEAS AND SOLUTIONS FOR AN ACTIVE AND HEALTHY RETIREMENT Medicare Supplement Insurance, M-40, 41, 42, 43, 45, 46, 47, 49 A choice of eight plans -- A, B, C, D, F, G, and High Deductible F and J Excellent claims service Solid financial backing Local agent service Following closely on the enactment of Medicare in 1965, Pyramid issued its first Medicare Supplement policy in 1966. Product Availablity To determine available products in your state, click here. Disclaimer Not all of our products are available in all states where we are licensed. Further, some variability may occur between the same product in various states due to state laws and requirements. Neither Pyramid nor its agents are connected with Medicare or any government agency.   Need a Quote on a product? Fill out our Product Information Request   The nearest agent? Send email to webmaster@pyramidlife.com   Questions, comments, or suggestions? Send email to webmaster@pyramidlife.com

Results from search: http://www.state.tn.us/commerce/insurdiv.html

Department of Commerce and Insurance Department of Commerce and Insurance Insurance Division Everett Sinor Assistant Commissioner The Insurance Division is headed by Assistant Commissioner Everett Sinor and is responsible for enforcing the state's insurance laws and supervising more than 1,600 insurance companies authorized to do business in Tennessee. There are seven sections each committed to serving the public interest:   Life, Accident, & Health Actuarial Section Howard Magill, Director 1-800-861-1270 or (615) 741-2825 This office reviews life, health, and credit life insurance policy form changes annually, approves changes in those policies, and examines life insurance companies to make sure that the companies have enough money in reserve to pay claims.  Insurance Education & Outreach / Insurance Assistance Office for  Seniors  (615) 741-4955 or 1-800-525-2816  The Insurance Education & Outreach Section was established to develop and implement efficient and effective customer service and insurance education to the consumers of Tennessee. These objectives are met through educational seminars, workshops and group meetings. The Insurance Assistance Office for Seniors was created to lend and provide information to Tennessee consumers on matters concerning Medicare, Medicare supplement insurance, Long Term Care insurance and other health insurance related topics. This office reaches consumers through telephone inquires, information packets & brochures, personal visits, educational presentations and correspondence. Financial Services / Company Examination Section  Bill Hosea, Director - Don Spann, Chief Examiner  (615) 741-1633  This section regulates the formation, admission, operation, and examinations of the life companies, casualty companies, title companies, captives, heath maintenance organizations, governmental entity pools, and risk retention groups. The duties and responsibilities of this section encompass reviewing and analyzing financial statements, receiving required reports and premium taxes, and detailed examinations including financial status, market conduct activities, and compliance with insurance laws, rules, and regulations. Consumer Insurance Services Coit Holbrook, Director  (615) 741-2218 or 1-800-342-4029  This section investigates consumer complaints concerning claims, agents and companies. For example, if you feel an insurance company or agent has not been fair in settling your claim, call the Consumer Insurance Services Section.  Investigators will look into the matter and try to work out a solution to your problem. This Section also houses the Division's Fraud and Market Conduct Units.  Property & Casualty Rating Section  Coit Holbrook, Director  (615) 741-2333  Tennessee state law requires that rates changed by fire and casualty insurance companies must be "fair, reasonable, adequate, and not unfairly discriminatory." This section makes actuarial determinations resulting from rate filings and reports its findings to the commissioner.  Workers Compensation / Surplus Lines Section / Self-Insurance  Mark Brothers, Director  (615) 741-1756  This section approves individual and groups of employers to be self-insured on workers compensation. Automobile clubs and surplus lines insurors (companies that insure risks that standard insurance companies will not) are also approved. All licensees file financial statements annually with this section. The statements are reviewed to ensure compliance with applicable laws and solvency.  Agent Licensing Section  Brenda Sechler, Director  1-888-416-0868 or  (615) 741-2693  This office is responsible for the licensing and regulation of insurance agents. Approximately 48,800 agents are licensed to do business in Tennessee. This office also regulates approximately 325 approved education providers.    Wheland Foundry Bankruptcy Consumer Information Agent Information Company Information 2 001 Fee Increases Regional Offices Press Releases Tennessee Bulletins Tennessee Laws Tennessee Rules Version 1.0 was completed 12/10/96; Last updated 03/12/01;  

Results from search: http://www.ushealthquotes.com/medicare.asp

Individual & Family Health Insurance Quotes Health & Medical Insurance: Individual, Family & Group Quotes. 1st US Health Insurance Quotes Health, medical and medicare supplement insurance: individual, family & group quotes. We provide free health insurance quotes to individuals & businesses nationally. Read our Privacy Policy Free Health, Medical and Medicare Supplement Insurance Quotes for I ndividuals, families and Groups of all sizes. Home Get an Individual or Family Health Insurance Quote Get a Medicare Supplement Insurance Quote Get a Group Insurance Quote Simplified Plan Descriptions Insurance Company Information Contact Us Medicare Supplement (Medigap) Insurance - Quotation Please complete the following form and hit the "continue" button. Please enter your FIVE DIGIT home ZIP CODE: Required Outside the USA Click Here Please choose the year of your birth: 1920 1921 1922 1923 1924 1925 1926 1927 1928 1929 1930 1931 1932 1933 1934 1935 1936 1937 1938 1939 1940 1941 1942 1943 1944 1945 1946 1947 1948 1949 1950 1951 1952 1953 1954 1955 1956 1957 1958 1959 1960 1961 1962 1963 1964 1965 1966 1967 1968 1969 1970 1971 1972 1973 1974 1975 1976 1977 1978 1979 1980 1981 1982 1983 Required Are you Self employed? No Yes Who would this quote be for? Self Spouse (Check all that Apply) Looking for other insurance products? Find more than 25 types of insurance from homeowners to health, from annuities to autos. Click Here ! Copyright © 1999, 2000 All rights reserved Legal Info Always consult your tax advisor and attorney when considering the purchase of any insurance policy.  

Results from search: http://www.brsan.com/

Brsan Insurance - facts 815-725-8409 of medicare supplement, life, long term care and health insurance Insurance Quotes: In Illinois Non IL residents       " Building a Better Plan For the Way You Live " 815-725-8409 - Email Us Need a local insurance agent? Use the Independent Insurance Agents Directory ! Brsan Insurance Policy details facts medicare supplement life long term care health annuity financial planning tax deferred annuities disability income cancer burial Joliet IL Illinois Will Chicago Peoria agents . . . . . FAQ . . . . . . . .

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