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Results from search: http://www.ivillagehealth.com/experts/insurance/qas/0,11816,165389_174848,00.html

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Pat David Lack David Lack, a Colorado-based corporate consultant, has worked for 15 years with the life and health insurance industry and with public policy makers on insurance concerns. The Medicare program covers two classes of people in the United States -- those age 65 or older and those with certain disabilities, including people on kidney dialysis and kidney transplant patients. Your age indicates that you fall into the second category, meaning that you also receive Social Security disability benefits.  PAGE 1 OF 5   NEXT related links   ARTICLE:   Health Insurance ARTICLE:   Maintaining Long-Term Disability ARTICLE:   Pick the Health Plan for You ARTICLE:   Do you need long-term care (LTC) insurance? 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Results from search: http://www.jameshoyer.com/problem_medicare.html

Medicare Gap Coverage Scams - James Hoyer Newcomer & Smiljanich - Attorneys At Law Text Only   St. Petersburg Times - Suit accuses auto dealers of warranty trickery The Wall Street Journal - Defending the Nest Egg MarketPlace Radio - Credit records used to determine insurance premiums   Medicare Gap Coverage We have filed suit to stop a disturbing new scam targeted at senior citizens. Insurance agents are visiting seniors at their homes and telling them that unless they provide additional premium payments on the spot, they will lose their Medicare gap coverage. These policies, also known as Medigap coverage, Medicare supplement insurance, or Medicare supplemental insurance, handle expenses not paid by Medicare. The policies reduce out-of-pocket costs, and are essential to the health and peace of mind of countless seniors. What our clients learned later was that they had been tricked into paying thousands of dollars for small-value whole life insurance policies they didn't need. In November 2001 we filed a suit in Naples, Florida against the Pioneer Life Insurance Company, a subsidiary of Conseco Inc., alleging that our clients, senior citizens, fell prey to these empty threats. Names of salesmen involved in these questionable transactions are Jay Steven Goldman, Mark Mittleman, Gregory John O'Connor, Brad Howard Shechtman, Brian Lee Shechtman, and Dean Allen Shechtman (who also goes by the last name Schechtman or Schectman). If you have a problem that relates to any of these specifics, please contact us right away by clicking here . For more information, read the Guide to Health Insurance for People With Medicare by the Health Care Financing Administration. Concerned that you may be a victim? Our Consumer Check List will help you find out, click here . (this link launches a new window) James Hoyer Contact Form Your Name:* E-Mail Address:* Phone Number: - Address Line 1 Address Line 2 City State Zip Preferred Contact: Email By US Mail By Telephone Please don't contact me Please tell us your problem:* To submit your message, press submit or press reset to clear all information: * indicates required field We will try to get back to you as soon as possible regarding your inquiry. We greatly appreciate any information you are able to provide to us because it will assist us in investigating consumer frauds. You should be aware that contacting us via e-mail, telephone or other means does not mean you have automatically become our client. Nor does contacting us mean you have automatically become a member of a class-action, whether the class has been certified or not. Medicare Gap Coverage Consumer Check List Consumer Check List To the Consumer: Answering yes to some or all of the questions in a section might mean that you've been taken advantage of. For more information about your situation, contact James, Hoyer, Newcomer & Smiljanich. All inquiries are confidential. Click here to print this page. Medicare Gap Coverage Do you have health insurance coverage with Pioneer Life Insurance or another insurer? Did an agent tell you that unless you paid additional premiums to him or her immediately, you risked losing your coverage? Did the agent visit you at home to convey this message? Did you subsequently find that your health coverage had been stopped and reinstated? Did you ever receive a notice about a life insurance policy you didn't know you had purchased? Did you ever find a life insurance policy stapled to the bottom of your health insurance policy? e-mail: info@jameshoyer.com Home - What We Do - Our Attorneys - Our Investigators - Our Consumer Cases - News & Events The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free information about our qualifications and experience. You should be aware that contacting us via e-mail, telephone or other means does not mean you have automatically become our client. Nor does contacting us mean you have automatically become a member of a class-action, whether the class has been certified or not. 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Results from search: http://www.insurance-chart.net/medicare_gap_insurance.html

Insurance-Chart.net - for medicare gap insurance information, research and free quotes What are your Insurance needs ? Welcome to Insurance-Chart.net . This site is dedicate to providing you with valuable insurance inforamtion. The more information you have - the easier it will be to make the right desicion about your insurance needs. Today more than ever - consumers need to be more informed and involved in their financial lives. Insurance is a very important and initigral part of every families financial fitness. We're here to help ! Save Money on Your medicare gap insurance Needs We have put together a number of pages designed to help you save money on your insurance. Its fast, free and user friendly. Each category has a few ideas that are self-administered by you and can potentially save you thousands of dollars in premiums. By utilizing these methods you can even learn more about your medicare gap insurance needs and potentially identify a medicare gap insurance need or excess medicare gap insurance coverage. Please take your time and read the simple step that can save you time and money! The links are in the box to the imediate right ! We are here to provide you with medicare gap insurance information and medicare gap insurance help so you can get the best medicare gap insurance for you and your family. Your medicare gap insurance search is important to us - and we want to provide you with the best medicare gap insurance information we can. Use our free quote system for medicare gap insurance quotes and quotes on other types of insurance policies. Our staff Is dedicated to your medicare gap insurance research needs. This site has the medicare gap insurance information you need. Use our knowledge to find the best medicare gap insurance for you. Save money on these other types of Insurance: Auto Life Home Health Select one to learn how !   Thank you for useing Insucance-Chart.net for all your medicare gap insurance needs. We are please you have chosen us in your medicare gap insurance search. We look forward to prviding you medicare gap insurance services in the future. Please feel free to reccomend us to your friends and family. Would you like to link to us ? Here is a nice gif image to use: Free Insurance Quotes: Auto | Life | Home | Health | medicare gap insurance help Your #1 medicare gap insurance resource for free information! more products © 2002 All Rights Reserved

Results from search: http://www.janssen-eldercare.com/consumer/insurance.html

Janssen ElderCare: Health insurance   The importance of having the right coverage Medicare/Medicaid/ Medi-Gap Insurance Health Maintenance Organization (HMO) Preferred Provider Organization (PPO) Pros and Cons of Long-Term Care Insurance The importance of having the right coverage With the rising cost of eldercare, it is critical to make sure that you or an elder has the right level of insurance. Without enough insurance, serious financial problems can occur. That's why it is important to take a close look at insurance policies to determine your level and extent of coverage. Also, look closely at current insurance needs because things may have changed since you or an elder first purchased the original policy. If so, you may need to update the policy. Medicare/Medicaid/Medi-Gap Insurance Medicare Medicare is a federally operated insurance program. Most elders are eligible as long as they are US citizens, have a Social Security number and are 65 years of age or older. Medicare has two parts-Part A and Part B. Part A covers hospital care for up to 90 days. It also covers care in a nursing home, home healthcare services, and hospice. Part B covers a percentage of care and services provided by a doctor and other healthcare providers, durable medical equipment, outpatient care, and home health services not covered by Part A. Even if you are covered by Medicare, consider buying a Medi-Gap policy or another type of insurance to cover what Medicare does not. Medi-Gap insurance covers the gap in Medicare insurance. Medicaid Medicaid is a federally funded insurance program for many poor and disabled US citizens. To qualify for Medicaid, you must prove that you have few or no assets, and meet the government's criteria for eligibility. However, once you show that you are eligible, Medicaid coverage is far more comprehensive than Medicare. All eligible expenses are covered with a co-payment and many services are included. Medi-Gap Private health insurance (Medi-Gap) is designed to cover just what the name suggests - the gaps in Medicare coverage. Private insurance companies offer this additional insurance to provide the coverage where Medicare falls short. The cost and extent of coverage of Medi-Gap insurance varies considerably according to age, place of care, type of policy and other factors. Traditional managed care organizations (such as HMOs and PPOs) cover different services and expenses, so you should read the fine print in any policy to make sure it is right for you. Some insurers offer special policies that cover long-term care or nursing home costs. Ways to find private coverage include: asking your employer whether it offers Medi-Gap or long-term care insurance coverage as part of an employee group benefit plan, contacting any professional association or union you may be a member of to see what they offer, and contacting an insurance agency on your own. Health Maintenance Organization (HMO) Some HMOs provide all medical services under one roof, while others have a directory of doctors and facilities from which to choose. Medicare-approved HMOs take management responsibility for Medicare from the government. They usually pay for some services in addition to those already covered by Medicare-but may not cover all expenses, such as complete prescription costs. Preferred Provider Organization (PPO) In this form of managed care, plan members choose pre-selected healthcare providers within a network, and pay a co-payment (a set fee for certain services). These organizations have arrangements with healthcare providers who have agreed to accept lower fees from the insurance company for their services. PPOs can limit the number of situations in which the PPO will be held liable for payment, which may affect coverage on services such as home care, durable medical equipment, and rehabilitation. Pros and Cons of Long-Term Care Insurance Long-Term Care (LTC) insurance is an option to help finance extended care. The need for it can be determined by calculating how much present-day premiums protect against future out-of-pocket costs. It covers mid- to long-term care rather than short-term care. It also covers what Medicare and many private health plans do not. That includes non-medical, day-to-day care at home, and long-term care at nursing homes and other facilities. LTC insurance is expensive but it may be a good value if your particular situation warrants extended coverage. Click on these Web sites to learn more. www.medicare.gov - Medicare www.hiaa.org - Health Insurance Association of America www.hcfa.gov - Health Care Financing Administration www.iii.org - Insurance Information Institute   Back to Top   Privacy Policy | Legal Notice Janssen Site © Janssen 2001-2002. This site is intended for U.S. visitors only.

Results from search: http://www.americaninsurancedepot.com/medicare.htm

Medicare Insurance Providers Medi-Gap Insurance Section Let's talk turkey here . The web has made it easy to compare instant health insurance quotes at the click of a button.  But only one quote provider I know of will back up its instant quotes with real service AFTER it finds the best protection value for you.  Click HERE for the best service, LONG AFTER you get the best Quote!   Instant Medicare Supplement Quotes   Quick quotes for ages 65 & up from the best quotes in the business. AFLAC (American Family Life Assurance Company) Ehealthinsurance Homepage Links   Check out this new way of getting affordable Medicare Health Insurance Online AARP by state Conseco Very large, very good, usually.   American Income Life Insurance Company What is Supplemental Insurance?  How many different kinds are there?  Do you need it?  Which one is best for you?  Check out ElderCare . 16 Ways to Improve Your Health   Fun For Kids Depot   *   Please read what others thought of this site. And let me know what I could have done better, or how I could have helped you more Click HERE to SAFELY compare prices and values from as many as 300 companies at one time on as many different types of insurance as you need INSTANT QUOTES on.  You will also find a SATURATION of valuable information designed to protect your interests. Health Insurance Life Insurance Home Insurance Auto Insurance Group Insurance Instant Quotes State Commissioners Insurance News Insurance Help Annuities   International Drugstores Healthcare Education Insurance Agents International Insurance   Orthotics, diabetes   Accident Insurance Dental Insurance Health Issues Improve your talents Vacation Spots Protecting Your World Click HERE for Travel Insurance to anywhere in the world because this kind of travel insurance is like having a good friend at your side.  Imagine this friend speaks virtually every language and is experienced enough to understand any particular urgent situation you find yourself in. Imagine this friend being available 24 hours a day, 7 days a week, AND toll free. Imagine this friend being on call to assist you with emergency travel arrangements, passports, credit cards, airline tickets, lost luggage, and embassy or consulate referrals.    Click HERE for help if you have an insurance policy but the insurance company has lost you, or for help finding the policy of a friend or family member. Owner of this web site is Marleen Roberts .  address:  930 Highway 375 East in Mena, AR. 71953, USA.  Phone 479 243 0153  email address is: Marleen@americaninsurancedepot.com    

Results from search: http://www.leaguefinancial.com/medi-gap.html

Medi-Gap Insurance "MEDI-GAP COVERAGE'S" Web Site: www. L eague F inancial . com | E-mail: Info@ L eague F inancial . com          Phone: 1.800.482.5347 | Hours: 10 - 6 PM, M - F, PST Medicare Supplemental Insurance is designed to pick up gaps in Medicare benefits ("Medi-Gap") and is available in 10, now standardized plans, "A-J".  Required disclosure charts provide consumers a very clear picture of the differences between each of these plans. Private Insurers are not required to sell each of these model plans but can pick the ones they wish to market. Prices vary greatly from one company to the next depending on their own pricing/marketing considerations. Between the ages of 64 ½ to 65 ½ Medicare Supplement Plans are available on a guarantee issue basis (no health questions & no pre-existing condition limitations).  For those who delay going onto to Medicare Part B, after turning Age 65, their right to guarantee issue starts with their Part B effective date and ends 6 months after (referred to as "open enrollment").  For all others the plans are medically underwritten.  Once you have a Medi-Gap Plan in California, Law SB 2043 permits a change in plans, also on a guarantee issue basis, but only to a plan of equal or lesser benefits, and only within 30 days of any age change. The question becomes which of these standardized plans is best suited to your needs?  The answer to this question is often a personal one but many times centers on ones need, or lack thereof, for Prescription benefits. Only plans H, I & J offer Rx benefits, and these are limited.  If one doesn't have or foresee any need for Rx then most will consider only plans A-G.  Of these many feel that Plan C is the most cost effective overall due to the limiting fee charge Law that requires those Doctors who do accept Medicare assignments (and most do today) to not charge in excess of the Medicare allowable fees; therefore, plans that charge higher premiums due to offering coverage for excess charges, as in Standardized plans F&G/I&J, become less appealing.  For many, saving premium dollars and paying for their own Rx is a better buy based on the theory that its cheaper to pay the Rx costs yourself and save the premium than to trade dollars with an Insurer!  If prescription coverage is critical to you another option would be to simply buy a supplemental Rx Discount Card from a private vendor and/or to set up an investment "side fund" to pick up any additional gaps (like Rx) should unforeseen needs arise.  After awhile the "side fund" may grow bigger than is ever needed and could then be drawn down as desired for other income or lifestyle needs although the "side fund" approach may not work as well for those 75+ due to shortened life expectancy.  We provide investment services through our Broker/Dealer & Registered Investment Advisory Firm to assist in "side fund" development. To evaluate any offering consumers must be provided a Brochure; Outline of Coverage; Guide to Health Insurance for People with Medicare; Replacement Form.  One company we work with offers a unique feature with its "issue age pricing" -Vs- attained age pricing.  They do not levy rate increases due solely to ones aging.  Most other companies are "attained age" priced which causes premiums to automatically go up each year as one ages, or as one moves into older age brackets (i.e.  65-69; 70-74; 75-79; 80-84; 85+).  This company markets only the Standardized Plan versions A, C, F, G, and I. The "HMO" forms of Medi-Gap plans are different in that they typically require no premiums (due to their accepting medicare assignment from the Government in exchange for a hefty monthly government paid dollar allocation).  Managed care HMO plans additionally require a sacrifice on freedom of doctor choice since you must receive all benefits only through their contracted providers. Some of the various State "Blue's" (Blue Cross & Blue Shield), for example, offer their own versions of some of the Standardized Medicare Supplement Plans.  These are referred to in law as "Medicare SELECT" plans and the major difference is that these plans require the use of specific doctors & hospitals.  The rules are that a carrier must meet the standards of any "Medicare Standardized Plan" but may exceed it as a means of "customizing" their own offering. Seniors have another very serious need to protect against Long Term Care ("LTC") Nursing Home and/or Home Care confinements and the costs that accompany them.  For many seniors the annual cost for such care (now averaging - 2001- in California about $45,000 to $50,000 per year, or $125 to $140 per day) could cause them to either completely loose or seriously deplete assets that would otherwise be used and depended upon for retirement income.  What most do not understand is that Medicare does NOT cover Long Term Nursing & Home Care and it is not at all likely that Government will ever be able to provide the resources to cover it.  We have Tax Qualified and Non-Tax Qualified LTC plans, both Private and State Sponsored, that can help you to effectively address this problem.  We strongly recommend that persons get this type of coverage as soon as possible. Remember that while it's true that money pays for these coverage's only good health actually buys them; therefore, don't delay your decision to obtain these types of highly valuable coverage's.   [This is a summary overview only and is NOT intended as an offer of coverage.  Coverage becomes effective only upon written verification by the Insurer.  Insurers Brochures and required plan materials and disclosures prevail over any written or verbal statements made herein]. || Affiliations || Articles || Contact Us ||   Financial Tools || Helpful Links || Home || Hot $ Deals || Principal || Quotes || Reward $ || Search || Services || Site Map || Terms Of Use || [Copyright © LFIS. All Rights Reserved]

Results from search: http://www.state.sd.us/social/ASA/SHIINE/SupplementalGuide/

South Dakota Medicare Supplement Insurance Rates South Dakota Consumer's Guide  to Insurance  to Supplement Medicare 2001 A publication of the SD Department of Social Services Office of Adult Services and Aging. You will need Acrobat Reader 4.0 to access this document.  If you need assistance installing this free software, click here .) Sections Medicare Medicare Enrollment, Medicare Basics, Can't Afford Medicare Expenses?, Part B & Assignment, Billing & Payment Examples, Employer's Retirement Health Plan, Medicare Choices Medicare Gap Filler Choices Gap Filler Choices, Gaps at a Glance, Filling the Drug Gap, Medicare HMO, Private Fee-for-Service Plan Understanding Medigap Insurance Standard Plans, Medigap Basic Benefits: Plan A, Medigap Shopping List, Medicare Select, Policy  Features, Open Enrollment, Underwriting, Disabled & Under 65, Questions & Answers, Shopping Tips, Replacing Old Medigap Policies Key to Medigap Comparisons Prices from 23 companies. Disabled Persons Under Age 65 During Open Enrollment   Annual Premiums for Plans A-J Disabled Persons Under Age 65 After Open Enrollment   Annual Premiums for Plans A-G Premiums for Plans A-G (No prescription drugs.) Premiums for Plans H-J (Includes drug coverage.) Sample Premiums for Smokers Price Finder Annual premiums ranked from low to high at purchase age 65 for each plan. Company Directory Directory of all companies that provided information to SHIINE about their Medigap policies.  Company Plans Tables of annual premiums for each insurance company. Appendix Medicare Terms, Medicare Publications, Check Company's Financial Ratings, Directory of SHIP Programs, Directory of Medicare Carriers, Handy Phone Numbers, SHIINE Plan Chart Chart that shows which plans companies are allowed to sell in South Dakota.      View Entire Guide Caution: This consumer guide includes information about Medicare and insurance to fill the gaps in Medicare coverage. It does not include your specific situation or give legal advice about insurance or Medicare. Although we have tried to assure that information is accurate, you should verify all policy information and not assume that it will be identical to the information in this book. We recommend that you discuss Medicare insurance with an insurance agent and/or a SHIINE counselor before you decide to buy a policy. Return to SHIINE Home

Results from search: http://www.asa.org.au/publications/public_relations/media_releases/medicare_gap_warning.htm

ASA Media Release - Anaesthetists Warn of Growing Medicare Gap Sitemap | Useful Links | Feedback | Search the ASA Website Media Release Anaesthetists Warn of Growing Medicare Gap Attention: Chiefs of staff, medical/health writers 24 November 1999 Anaesthetists have warned the Medicare gap for their services will widen, following a doubling in Victoria of insurance costs. Australian Society of Anaesthetists President, Dr Rod Westhorpe, said organisations indemnifying Victorian medical practitioners against malpractice had introduced a new levy to offset projected underfunding of anticipated liabilities. The $12000 levy doubles the $12000 cost of insurance for 1999-2000. Dr Westhorpe cautioned there was no certainty a similar levy would not be applied in other States and Territories. He said without urgent action on the part of the Health Insurance Commission patients would see these costs reflected in the growing gap between Medicare rebates and actual fees. "We will be making representation to the Federal Health Minister, Michael Wooldridge, insisting on his intervention", said Dr Westhorpe. In the last decade, the average Medicare rebate for an anaesthetic has risen from $61 to $77. "But in the same period, the insurance cost per anaesthetic treatment has risen from $1.50 to more than $20. As well, there has been a raft of other increases in the cost of running a specialist practice", said Dr Westhorpe. He gave assurance that Australia's anaesthetists provided the safest levels of care in the world, a record that had helped peg insurance costs. "Patients can rest assured that anaesthetists will continue to provide the high level of care for which they are renowned, but it's inevitable fees will rise to adequately cover costs", he said. Dr Westhorpe urged patients to understand the situation and take issue with the shortcomings of Medicare. "The figures show the degree to which we and our patients are subsidising Medicare. While we're reluctant to add fuel to the growing crisis in Australia's health system, the situation is that anaesthetists are less and less willing to continue to subsidise Medicare", he said. ENDS Further information: Dr Rod Westhorpe, President, Australian Society of Anaesthetists, Phone: 0412 162 833 Dr Greg Wotherspoon, Chairman, Public Relations Committee, Phone: 0412 625 401 Sitemap | Useful Links | Feedback | Search the ASA Website Copyright © 2002: Australian Society of Anaesthetists Ltd  

Results from search: http://www.dhhs.state.nc.us/dma/medicareaidquestions.htm

North Carolina Division of Medical Assistance Provider Links Consumer Links County Links Programs Publications DMA Home Frequently Asked Questions Medicare-Aid What is Medicare-Aid? Medicare-Aid is a special Medicaid program for people who have Medicare and also have limited income and resources. It is a free program that helps pay your Medicare premiums, co-payments and deductibles. There are several Medicare-Aid programs which are also known as Medicare Savings Programs: MQB-Q, MQB-B, MQB-E and MQB-QI. MQB-Q (Comprehensive Medicare-Aid) covers the Medicare Part B premium, the Part B deductible for doctor bills, the Part A hospital deductible, 20% co-payment of Part B approved costs and co-payment for Medicare approved skilled nursing home care. MQB-B (Limited Medicare-Aid) covers only the Medicare Part B premium. MQB-E (Limited Medicare-Aid Capped Enrollment) also covers only the Medicare Part B premium for those people whose income is too high to qualify for MQB-B. MQB-QI (Medicare-Aid Partial Reimbursement) only pays a portion of the Medicare Part B premium attributed to Medicare Home Health. You only get a check once a year.   What are the monthly income limits for these programs? (Effective 04/2002)   Program Number in Family  1  2 MQB-Q $739 $995 MQB-B $886 $1,194 MQB-E $997 $1,344 MQB-QI $1,293 $1,742 To be eligible for these programs, you must have Medicare and meet income and resource limits. You may apply for the Medicare Aid programs at your county Department of Social Services (DSS). You will find them in the phone book under government agencies. If you are unable to go to Social Services, you may request a home visit. If you cannot locate the phone number for your local DSS or if you have further questions regarding Medicaid eligibility after contacting the local department, call the Office of Citizen Services CARE-LINE Information and Referral Service toll-free at 1-800-662-7030 (Voice and Spanish) and someone will assist you. For local calls or calls from outside of North Carolina, dial (919) 733-4261. The Office of Citizen Services also has a dedicated TTY line at 1-877-452-2514 or for local TTY or TTY calls from outside of North Carolina, dial (919) 733-4851 for deaf and hearing impaired. The Office of Citizen Services can also provide you with information and referrals on other Department of Health and Human Services programs along with other government and non-profit agencies that may be helpful, as well as tell you about prescription assistance programs available through drug manufacturers. (Office of Citizen Services - 1-800-662-7030 (Voice and Spanish); (919) 733-4261 (local or out of state calls); 1-877-452-2514 (TTY Dedicated) and (919) 733-4851 (TTY Dedicated for local or out of state calls). ( Link to Office of Citizen Services )   How long can I receive benefits after I qualify? Once an application is approved, you receive benefits for 12 months. Then you must complete a review of your eligibility each 12 months to continue receiving Medicare-Aid. A worker at the department of social services will contact you when it is time for your review. You must continue to meet the income and resource guidelines.   Can I have Medicare Aid if I have private Medi-gap insurance? Yes, you can apply for Medicare Aid if you have private Medi-gap insurance. However, you cannot receive both benefits at the same time. If you are approved for Medicare Aid, your Medi-gap insurance will be suspended for up to 24 months. This means you can resume your Medi-gap insurance policy during that 24 months if your Medicare Aid benefits stop. After 24 months if your Medicare-Aid benefits stop, you must reapply for Medi-gap insurance. You are not guaranteed to be approved.   Will Medicare Aid pay for my prescriptions? No. Medicare Aid only pays your Medicare premiums, co-payments and deductibles.   What happens if I have to go into a nursing home? If you need help with the cost of care in a nursing home, you must apply at your local DSS. MQB-Q covers only the Medicare co-payment for Medicare approved skilled nursing home care. After the first 20 days, nursing home care is not covered by Medicare Aid. Last Updated March 11, 2002

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