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Results from search: http://www.aarp.org/hcchoices/medicare/supplement/home.html

AARP Webplace | Educated Health Care Choices search  jump to  - select one & press go - ........................ Member Services About AARP Computers & Technology Health & Wellness Learning Legislation & Elections Life Answers Money & Work Research Travel & Leisure Volunteering This information is designed for people who have Original Medicare and want to learn more and make educated decisions about how to cover their health care costs. Medigap (Medicare Supplemental) insurance covers some of the costs not paid by Original Medicare, like the coinsurance payments for doctors' and hospital services. Contents Medicare and Medigap Medigap Basics Medigap Extra Benefits Medigap Coverage By Benefit Medigap Coverage By Plan How to Choose a Medigap Insurance Company Enrollment Waiting Periods and Switching Things You Need to Know If... Your Rights Resources Glossary | Educated Health Care Choices | AARP home   |   advanced search   |   join/renew AARP   |   contact AARP   |   online community   |   what's new Copyright 1995-2002, AARP. All rights reserved. AARP Privacy Policy .

Results from search: http://www.medicare.gov/mgcompare/home.asp

Medicare.gov - Medigap Compare Home d   Screen Reader Version   |   Español   |     | Home   |  Glossary   |  Help   | Frequently Asked Questions   |  The Official U.S. Government Site for People with Medicare    Search Help   |   Site Map   |   Index   |   Site Tips   | Medicare Eligibility, Enrollment, and Premiums Nursing Homes Medicare Plan Choices Medicare Claims, Appeals Information, and Medicare Summary Notices Information to Help You Stay Healthy Frequently Asked Questions Have a question? Your answer could be here. Search Tools Medicare Personal Plan Finder Nursing Home Compare Prescription Drug Assistance Programs Dialysis Facility Compare Participating Physician Directory Supplier Directory Helpful Contacts Publications Your Medicare Coverage (coming soon) Local Medicare Events Medicare Health Plan Compare Medigap Compare Medigap Compare Home New Search Medigap Compare Welcome to Medigap Compare. This is an interactive tool for Medicare beneficiaries and people who assist them with their care. It is designed to help you find the insurance companies in your state that sell Medigap (Medicare supplemental insurance) plans, and it gives you information on how to contact the insurance companies. Medigap Compare also provides general information about Medigap insurance to help you with your health care choices. Begin Medigap Plan Search Some data included on the site was provided directly from the insurance companies selling Medigap plans. Medigap Compare currently contains some basic information about each reporting insurance company, such as: which plans they offer, if the plans are offered to persons at or over age 65, under 65 with disabilities and/or ESRD, how they price their plans based on what rating method they use, and if you need to be a member of a certain organization to buy one of their plans. Select a Geographic Area (Step 1 of 2) Please choose one of the following ways to search for a Medigap plan. ZIP Code Search Enter a ZIP code in the box below and click on the "Search by ZIP Code" button.     State Search Select a state/terrirory and click on the "Search by State" button.     Select a State Alabama Alaska American Samoa Arizona Arkansas California - Northern & Central California - Southern Colorado Connecticut Delaware District of Columbia Federated States of Micronesia Florida - Northern Florida - Southern Georgia Guam Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Marshall Islands Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York - New York City Vicinity New York - Upstate North Carolina North Dakota Northern Mariana Islands Ohio - Eastern Ohio - Western & Southern Oklahoma Oregon Palau Pennsylvania Puerto Rico Rhode Island South Carolina South Dakota Tennessee Texas - Eastern & Southern Texas - Northern & Western U.S. Minor Outlying Islands Utah Vermont Virgin Islands of the U.S. Virginia Washington West Virginia Wisconsin Wyoming CA, FL, NY, OH, TX have a large number of Medigap plans. To make your search easier, we split these states in half geographically (e.g., Northern California & Southern California). If you are not sure which area you need to search, you can view a list of counties belonging to each area in these states. Important Note: If you search for plans by state or county, not all of the plans listed may be available in your area. For the most reliable information, please search by ZIP code. Help with Medigap Compare search A Medigap plan is a health insurance plan that fills the gaps in Original Medicare plan coverage. In all states, there are basic standardized Medigap plans . Each plan has a different set of benefits. Any standardized plan may also be sold as a Medicare Select plan. Medicare Select plans usually cost less because you must use certain doctors and hospitals, except in an emergency. Before you begin your search, there are some important things you should know. Shopping for health insurance is a complicated matter. To help you start looking for a Medigap plan, we are providing you with steps to buying a Medigap Policy . The rating method that insurance companies use to price their plans can be complex. So, please read the information and examples on rating methods to help you realize why it is important for you to understand the rating method the insurance company uses. Finally, as a Medicare beneficiary, you have certain rights and protections related to Medigap plans. Please be aware of what these rights and protections are as you shop for Medigap plans. For detailed information on Medigap, you may want to read the Guide to Health Insurance for People with Medicare . If you are in a Medicare managed care plan, or private fee-for-service plan, or if you are covered by Medicaid, you do not need a Medigap plan. Generally, it is not legal for anyone to sell you a Medigap plan in these cases. Special Note to Medigap Insurers: We have made every effort to contact all insurers who sell Medicare Medigap insurance and to include their information in this database. If you sell Medicare Medigap insurance and are not included in this database, please contact us and we will provide you with information to enter your data. Thank you. Important Information on Medigap Compare Medicare Plan Choices Publications Subscribe to our Mailing List Download Medigap Compare Database Data Last Updated: April 8, 2002 Medigap Compare Home New Search   Home   |   Privacy Policy   |   Awards   |   Comments   |   Mailing List   |   Website Accessibility   | Centers for Medicare & Medicaid Services Department of Health and Human Services 144

Results from search: http://www.medicare.gov/

Medicare.gov - The Official U.S. Government Site for People with Medicare d   Screen Reader Version   |   Español   |     | Home   |  Glossary   |  Help   | Frequently Asked Questions   |  The Official U.S. Government Site for People with Medicare    Search Help   |   Site Map   |   Index   |   Site Tips   | Medicare Eligibility, Enrollment, and Premiums Nursing Homes Medicare Plan Choices Medicare Claims, Appeals Information, and Medicare Summary Notices Information to Help You Stay Healthy Frequently Asked Questions Have a question? Your answer could be here. Search Tools Medicare Personal Plan Finder Nursing Home Compare Prescription Drug Assistance Programs Dialysis Facility Compare Participating Physician Directory Supplier Directory Helpful Contacts Publications Your Medicare Coverage (coming soon) Local Medicare Events Medicare Health Plan Compare Medigap Compare News and Updates Frequently Asked Questions More News and Updates Search Tools Medicare Personal Plan Finder Helping you compare health plans in your area. Nursing Home Compare Compare nursing homes in your area. Prescription Drug Assistance Programs Programs that offer discounted or free medications. Dialysis Facility Compare Compare dialysis facilities in your area. Participating Physician Directory Locate Medicare participating physicians in your area. Supplier Directory Locate Medicare participating suppliers in your area. Helpful Contacts Find phone numbers and websites. Publications View, order, or download Medicare publications. Your Medicare Coverage (coming soon) Your health care coverage in the Original Medicare Plan. Local Medicare Events Includes events on Medicare related topics. Medicare Health Plan Compare Compare health plans in your area. Medigap Compare Locate supplemental insurance policies to cover expenses not paid by Medicare.   Home   |   Privacy Policy   |   Awards   |   Comments   |   Mailing List   |   Website Accessibility   | Centers for Medicare & Medicaid Services Department of Health and Human Services 77

Results from search: http://www.hhs.state.ne.us/ags/medsupp.htm

Nebraska HHS System: Aging Services: Medicare Supplemental Insurance Medicare Supplemental Insurance Medicare pays a large part of health care expenses. It doesn't pay them all. Older people should consider purchasing a private health insurance policy to offset the cost remaining after Medicare. But, most supplemental policies won't pay for certain kinds of medical expenses. All Medicare supplemental plans sold in Nebraska must comply with one of ten plans approved by federal law. The plans are labeled "A" through "J". Plan "A" is considered a basic plan. However, it doesn't pay deductibles. Plans "B" through "J" provide additional benefits. Before considering any policy, it's important to understand what the Medicare benefits are, then decide on the amount of extra coverage needed. People who are eligible for Medicaid don't need additional insurance. Medicaid pays almost all health care costs, including long-term care in a nursing facility. Some people may be able to carry over the health insurance policy they had before age 65. Anyone having group coverage should talk to his or her employer about converting it to a Medicare supplement plan. You should purchase only one Medicare supplement plan. Compare these policies with those being sold by other companies to see which provides the best coverage. Before purchasing a policy, it's wise to consult someone who understands insurance, as well as your individual financial situation, and who can help you explore policy options. It's important to remember that slight differences in wording can greatly change meanings/coverage. Local insurance agents can often be of help. You may also want to contact your local Area Agency on Aging to see if they offer insurance counseling. If the agent says the policy covers a stay in the local nursing home, go ask the administrator. It may be that your stay will only be covered if you receive a higher level of care than is available at the home, so the policy would be a poor buy. If an agent says the policy pays everything Medicare doesn't, be sure there's no reasonable and customary limitation. The amount approved by Medicare is determined solely by Medicare and is the fee most frequently charged in a geographic area for the specific services that have been received. Nebraska Medicare supplemental insurance law allows a company to exclude existing illnesses for only six months. Other types of policies may have longer or permanent exclusions, so read them carefully. Look for a renewal clause. Check to see if the policy can be renewed for the lifetime of the policyholder. Agents selling supplemental insurance must be licensed by the state and carry proof of such licensing. Don't be misled into thinking that the agent is representing Medicare or any government agency. Complete the application carefully. The insurance company can deny a claim if necessary information is omitted. Never pay the agent in cash. Make the check or money order payable to the insurance company. Aging Services Page HHS System Home | Search the Site | Site Map About HHS System | What's New | Programs & Services | Research & Statistics Job Opportunities | Office Locations | Administrative Contacts | Useful Links Nebraska Department of Health and Human Services P.O. Box 95044 Lincoln, NE 68509-5044 (402) 471-2306 Nebraska Department of HHS Regulation and Licensure P.O. Box 95007 Lincoln, NE 68509-5007 (402) 471-2133 Nebraska Department of HHS Finance and Support P.O. Box 95026 Lincoln, NE 68509-5026 (402) 471-3121 Disclaimer | Questions about HHS System: hhsinfo@www.hhs.state.ne.us | Site Feedback: webmaster@www.hhs.state.ne.us

Results from search: http://www.acordia.com/Acordia_Products/Personal_Lines/Auto_Insuranceaa.html

Medicare Supplemental Insurance Quotes   Administrative Services COBRA Administration Cost-Containment Programs Health Care Plan Administration HMO, PPO, and PHO Administration Loss Control - Property Preservation and Safety Managed Care Consulting Personal Insurance/Payroll Deduction Prestige Claims Service Property and Casualty Adjusting, Claims Administration, and Management Risk Management Services Self-Insured Program Management Third Party Claims Administration Worker's Compensation Management Commercial Lines Boiler and Machinery/Equipment Warranty Commercial Property and Casualty Insurance Equipment Maintenance Flood Insurance Mergers and Acquisitions Ocean and Inland Marine Insurance Professional and Product Liability Workers' Compensation Wrap-Ups Employee Benefits 401(k) and Other Retirement Programs Employee Benefits Life Insurance Financial Services Programs Health Insurance Quotes Medical and Dental Programs International World At A Glance Personal Lines Auto Insurance Exotic/Classic & Collector Auto Insurance Flood Insurance Homeowners' Insurance Individual & Family Health Insurance Quotes Individual Life Insurance Quotes Marine Insurance Medicare Supplemental Insurance Quotes Other Personal Coverages Personal Risk Management Medicare Supplemental Insurance Quotes Though Medicare covers many health care costs, there are many medical services that Medicare does not cover. Supplemental insurance policies fill the gaps in your Medicare coverage. Before Medicare will pay for any of the medical services you want or need, you must first pay the Medicare deductibles. Acordia has partnered with eHealthInsurance, the leading destination seniors to learn about, compare and buy health insurance. Offering the largest selection of health plans from leading insurance companies nationwide, our web site features online instant quotes, side-by-side plan price and benefit comparisons and online physician directories to help our customers select the health plan that best meets their needs. Our Customer Care Center is staffed with knowledgeable representatives available, once online, to answer questions via email, online chat and phone. All of these features and services combined with our online applications make finding and buying the right plan easier than ever before. Visit us today by selecting the product that meets your needs! Individual & Family Plans Medicare Supplemental Plans Back . Copyright Notice . Terms of Use

Results from search: http://www.advocatehealth.com/sites/specialty/senioradv/medicare.html

Senior Advocate - Medicare Supplemental Insurance Plans         General Information Senior Advocate Benefits by Site Bethany Hospital Christ Medical Center Good Samaritan Hospital Good Shepherd Hospital Lutheran General Hospital Ravenswood Medical Center South Suburban Hospital Trinity Hospital Medicare Supplemental Insurance Plans Medigap Plan Choices Printable Application Form On-line Application Form Caregiver's Discussion Forum       Medicare Supplemental Insurance Plans If you are interested in a Medicare supplement policy, contact the insurance company that you are interested in and they will be happy to mail information to you. Listed below is a partial list of some popular Medicare supplemental plans: Insurance Company Name   Telephone Number American Assn. For Retired People (AARP) 1.800.523.5800 American Family Insurance 1.800.374.0008 ext.33100 Blue Cross/Blue Shield 1.800.624.1723 Banker's Life 1.312.396.6000 1.800.621.3724 Golden Rule Insurance Company 1.618.943.8000 1.800.444.8990 Mutual of Omaha 1.800.775.6000 Provident Life 1.800.228.9100 Physicians Mutual 1.800.228.9100 Insurance Contact Local Agent Union Fidelity Insurance 1.800.523.5758 United American Insurance Co. 1.800.331.2512 1.972.529.5085 Medicare Disability Supplemental Plans Bankers Fidelity Life   1.800.241.1439 GE Life and Annuity 1.800.253.0856 United American Insurance 1.800.331.2512 CHIP program (limited enrollment, call for details) 1.866.851.2751 If you would like to speak with a Senior Advocate representative to discuss your insurance options, call the Senior Advocate office nearest you. Advocate Bethany Hospital, Chicago (west)   1.773.265.3500 Advocate Christ Medical Center, Oak Lawn 1.708.346.4150 Advocate Good Samaritan Hospital, Downers Grove 1.630.275.5800 Advocate Good Shepherd Hospital, Barrington 1.847.382.7277 x 5441 Advocate Lutheran General Hospital, Park Ridge 1.847.723.7277 Advocate Ravenswood Medical Center, Chicago (north) 1.773.907.7888 Advocate South Suburban Hospital, Hazel Crest 1.708.346.4150 Advocate Trinity Hospital, Chicago (south) 1.773.967.3900     [ search  | search help  | home  | site guide  | contact us  ] [ advocate  | health & fitness  | classes & screenings  ] [ hospitals  | physicians  | careers & education  ] [ advocate services  | make a gift  ] Use of our site constitutes acceptance of our Terms of Use . Advocate Health Care respects your privacy. We invite you to view our Privacy Policy . Copyright © 2002 Advocate Health Care, Oak Brook, Illinois, USA

Results from search: http://www.actorsfund.org/ahirc/medicare/medicare-sup.html

AHIRC                       MEDICARE SUPPLEMENTAL INSURANCE CONTACT INFORMATION WHAT IS MEDICARE SUPPLEMENTAL INSURANCE? MEDIGAP EXTRAS The Medicare hospital deductible The skilled nursing facility co-insurance The Part B annual deductible The Part B excess charge benefit Coverage for emergency care outside the U.S. At-home recovery benefit Preventive medical care benefit Prescription drug benefits ENROLLMENT If you are 65 or older If you have a disability and are under 65 WHAT ARE YOUR RIGHTS? WAITING PERIODS MEDICAID RECIPIENTS MEDICARE SELECT STATE INSURANCE COUNSELING AND ASSISTANCE CENTERS MEDICARE SUPPLEMENTAL INSURANCE Please note the Medicare information has been provided by the Medicare Rights Center. The Medicare Rights Center is the only national, not-for-profit organization exclusively devoted to ensuring that seniors and people with disabilities on Medicare have access to quality, affordable care. CONTACT INFORMATION You can view the Medicare Rights Center's website at: http://www.medicarerights.org . You can also contact the center at: Medicare Rights Center 1460 Broadway, 11th Floor New York, New York 10036 (212) 869 - 3850 There is also a Medicare Hotline number at 1 (800) 638-6833. We advise that you call this number to order a copy of "The Guide to Health Insurance for People with Medicare" which provides comprehensive information regarding Medigap and other supplemental health insurance. Hours are between 8 a.m. and 8 p.m., from Monday through Friday. OR Much of the same information is available on the Health Care Financing Administration website at http://www.hcfa.gov and http:/ /www.medicare.gov The Health Care Financing Administration administers the Medicare and Medicaid programs. What is Medicare Supplemental Insurance? If you have traditional Medicare, you will probably want to purchase a Medicare Supplemental ("Medigap") policy to fill gaps in your Medicare coverage, such as Medicare deductibles and your 20% co-insurance payment for doctors' services. If you are in a Medicare HMO, you do not need a Medigap policy. Federal law allows Medigap insurers to offer only 10 standardized Medigap plans to individuals on Medicare. These 10 standard Medigap plans are labeled Plan A through Plan J, and each of them offers a different set of benefits, fills different "gaps" in Medicare coverage, and costs different amounts. Each Medigap plan provides the exact same benefits no matter which insurance company offers the plan. Plan A, for example, always provides the same benefits. In 1997, federal law was amended to authorize the sale of two additional Medigap plans that offer the same benefit package in Plan F or Plan J, with A $1500 deductible (in 1999). Deciding which plan best meets your needs can be a confusing task. Each plan provides a variety of different benefits. Some plans include coverage for the Medicare deductibles and co-insurance for skilled nursing facilities, while other plans provide limited home care and prescription drug coverage. None of the Medigap plans cover long-term custodial care at home or in a nursing facility, vision and dental care, hearing aids, private duty nursing, or unlimited prescription drugs. The following Basic Benefits are included in all 10 standardized plans: Hospitalization : Part A co-insurance, plus coverage for 365 additional days after Medicare benefits end. Medicare pays for the first 60 days of hospitalization in full, except for the initial deductible of $768 (1999) per benefit period. After 60 days, the coinsurance is $192 (1999) a day for days 61-90 and $384 (1999) a day for lifetime reserve days 91-150. Medical Expenses : Part B co-insurance (generally 20% of Medicare-approved expenses) Medicare generally pays 80% of physician services and 50% of mental health services. Medigap picks up the remaining 20% of the Medicare-approved amount for physician services and 50% for mental health services. The first three pints of blood you need each year : Medicare will cover your blood needs in full afterwards. Medigap Plan A covers these basic benefits ONLY . For some people, Plan A offers enough coverage. Other people would rather receive the additional benefits offered by Plans B through J. Plans B through J all cover the basic benefits listed above, as well as different combinations of the extra benefits. Medigap Extras Medicare hospital deductible (Plans B, C, D, E, F, G, H, I, J) When considering this benefit, keep in mind that the additional premium for this extra benefit is generally far less than the cost of paying the hospital deductible even once a year. And you may need to pay the deductible more than once in a year, if you are hospitalized more than once. The skilled nursing facility co-insurance (Plans C, D, E, F, G, H, I, J) Few people use this benefit because Medicare so rarely covers skilled nursing facility care. When Medicare does pay for skilled nursing facility care, it covers the first 20 days of care in full. However, if you are one of the few who receive Medicare-covered skilled nursing care and spend more than 20 days in the skilled nursing facility, coinsurance for days 21 through 100 is covered at $96 (1999) a day. This benefit could save you as much as $7,680 in out-of-pocket costs based on 1999 estimates. Part B annual deductible (Plans C, F, J) Even if you see a doctor only twice in the year, you are likely to use this benefit. The real question is whether the extra premium cost for this benefit is worth the extra $100 in coverage. Part B excess charge benefit (Plans F, I, J, and G) Pays the difference between your doctor's charge and Medicare's approved amount. Plans F, I, and J pay the excess charge in full, and Plan G pays 80% of this excess charge. Under federal law, doctors who do not agree to accept Medicare's approved amount as payment in full (also referred to as assignment) may charge 15% more than Medicare's approved amount. Some states have lower limits. For example, under federal law, if Medicare only agrees to pay $100, your doctor may charge as much as $115. Plans F, I or J would cover the $15 difference between what Medicare approves and what the doctor may charge. Plan G would pay you $12 (80% of $15). If your doctors accept assignment, you may not want to pay the additional cost for this benefit. However, you may want to consider the benefit, if your doctors do not accept assignment. You may also want to ensure excess charge coverage in the event that you are hospitalized and do not have control over whether the doctors who treat you accept assignment . Coverage for emergency care outside the United States (Plans C, D, E, F, G, H, I, J) After you meet the $250 deductible, it pays 80% of the cost of your care for up to $50,000 in lifetime benefits. If you do not plan to travel outside the United States, you will not need this benefit. But if you do travel abroad, it could save you thousands of dollars in expenses for emergency care. At-home recovery benefit (Plans D, G, I, J) It covers additional custodial care, if you qualify for the Medicare home health benefit. It pays no more than $40 per visit and $1600 per year. In order to receive the benefit, you must be receiving Medicare-covered home health services already. If you are receiving Medicare-covered home health services, you may find that Medicare provides you with ample coverage for the same services that this benefit covers. This benefit tends to be quite expensive and may not be worth the additional premiums you pay for it. Preventive medical care benefit (Plans E and J) It is limited to $120 each year. Since Medicare does not cover most preventive medical services, some people like having a Medigap policy that covers these services. It may not be worthwhile, because you are likely to pay as much in additional premiums for this benefit as the $120 you will receive in covered services. Prescription drug benefits (Plans H, I, J) The benefit has a $250 deductible, pays only 50% of drug costs, and is limited to a maximum of $1250 a year under Plans H and I and a maximum of $3000 a year under Plan J. This benefit may only be worthwhile if you have costly prescription drug needs. To get $1250 in benefits under Plans H and I, you must have at least $2750 in drug costs in a year. To get $3000 under Plan J, you must have at least $6250 in drug costs in a year. Enrollment If you are 65 or older , you can enroll in any Medigap plan of your choice during the six months following your enrollment in Medicare Part B. The insurance company cannot deny you Medigap coverage during this six-month open-enrollment period. After these six months are over, under federal law, insurance companies have the right to refuse you a new Medigap policy, in most circumstances. However, effective July 1998, insurance companies are required to offer Plans A, B, C and F on an "open enrollment" basis outside of the initial six-month period for people who want to buy one of these plans after having been terminated from an employer-sponsored retiree plan. Also, effective July 1998, if you drop Medigap coverage to enroll in a Medicare HMO or other Medicare + Choice health plan for the first time and then disenroll from one of these plans within the first 12 months, the insurer must offer you the same Medigap plan you dropped. Or, if that plan is no longer available from the same insurer, you can purchase Plans A,B, C or F. In addition, if you enroll in a Medicare HMO or other Medicare + Choice plan when you are first eligible for Medicare at age 65, and then disenroll within the first 12 months, insurers must offer you all of the Medigap plans on an open enrollment basis. If you live in New York, Virginia or Connecticut, you can have an unlimited open enrollment period. In these states, insurers are required to sell you the Medigap plan of your choice, whenever you want it. Some other states also require insurers to offer certain Medigap plans on a continuous open enrollment basis. Check with your state insurance department. If you have a disability and are under 65 , you are not entitled to open enrollment under federal law, and you may not be able to buy a Medigap policy until you turn 65. However, some states require insurers to sell Medigap policies to people with disabilities under 65. You should contact your state insurance department for more information. What are your rights ? Once you have enrolled, your Medigap insurer must renew your policy for life, as long as you pay your premiums. You have the right to review your new Medigap policy for 30 days and to cancel it within that time for a full refund, if it does not meet your needs. You have the right to cancel your policy at any time. You may replace it with another Medigap plan, but the insurance company may refuse to approve your application based on your age or your health status (except in New York State). You have the right to renew your Medigap policy for life. Your policy cannot be canceled because of your health or age. Waiting periods Companies selling Medigap insurance can impose a waiting period of up to six months for coverage of pre-existing health conditions. Any condition which was diagnosed or for which you received treatment in the six months before your Medigap coverage began can be counted as a pre-existing condition. Your Medigap policy will not cover treatment for it during the first six months of coverage. Effective July 1998, however, if you purchase a Medigap plan within 63 days of the termination of previous health insurance coverage (for example, insurance received from a former employer), the time you spent on the first health plan must be credited toward the Medigap plan's pre-existing condition period. For example, if you purchase a Medigap plan when you retire and lose employer coverage that you have had for two years, you will have no pre-existing condition period. You can switch Medigap insurance companies, change Medigap plans at the same insurance company, or both without having to go through a new waiting period for pre-existing conditions as long as: 1) you have had a Medigap policy for at least six months; and 2) you are purchasing the same or lesser level of coverage. If you are purchasing additional benefits under your new Medigap plan, you might have a waiting period before you are covered for the additional benefits. For example, you can switch from Plan F to Plan C (which differ only by the excess charge benefit) without a waiting period, because you are changing to a lesser level of coverage. However, you might have a waiting period before you can begin receiving the excess charge benefit when switching from Plan C to Plan F. Note: Some states (such as New York) do not allow insurers to impose a pre-existing condition period, even when you switch to a policy with a greater level of coverage. If you are disenrolling from a Medicare HMO or other Medicare + Choice health plan in the situations described in the "enrollment" section above, there may be no need to go through a new pre-existing condition period. Medicaid Recipients Medicaid recipients may decide to suspend their Medigap coverage within 90 days of becoming eligible for Medicaid. Suspension may last 24 months. If you lose Medicaid coverage during this time, Medigap coverage will be automatically reinstated, provided that you notify the insurance company within 90 days of losing Medicaid coverage and that you pay the Medigap premiums. Medigap coverage applies to pre-existing conditions. Medicare SELECT Medicare SELECT is a Medigap policy which restricts the providers you are allowed to see. Costs can be lower than standard Medigap policies, because Medicare SELECT policyholders are insured for care only at specific hospitals and may be limited to the services of specific physicians. Medicare SELECT plans are not as widely available as Medigap plans. Ask your state insurance department about Medicare SELECT plans available in your state. Contact the following Insurance Counseling and Assistance Centers in your state for Medicare information. The Counseling and Assistance Centers have highly-skilled and trained volunteers to provide counseling, information and assistance to Medicare consumers. Consumers may talk with counselors by telephone or meet face to face. The specific goals of the centers are to educate people on Medicare about health insurance coverage and benefits, consumer rights, insurance industry performance and consumer safeguards; provide " hands on" advice and service to consumers in understanding their health insurance coverage and benefits; protect consumers from fraud, collection agencies and unlawful or overzealous providers; and empower consumers to make informed choices about health insurance options, affirm their rights and bring about system changes. State Insurance Counseling and Assistance Centers STATE PHONE NUMBER ALABAMA 1 (800) 243-5463 ALASKA 1 (800) 478-6065/ 1 (907) 562-7249 ARIZONA 1 (800) 432-4040/ 1 (602) 542-6595 ARKANSAS 1 (800) 852-5494/ 1 (501) 686-2940 CALIFORNIA 1 (800) 434-0222/ 1 (916) 323-7315 COLORADO 1 (800) 544-9181/ 1 (303) 894-7499 EXT. 356 CONNECTICUT 1 (800) 994-9422 DELAWARE 1 (800) 336-9500 DISTRICT OF COLUMBIA 1 (202) 676-3900 FLORIDA 1 (800) 963-5337 GEORGIA 1 (800) 669-8387 HAWAII 1 (808) 586-0100 IDAHO 1 (800) 247-442 (S.W.) / 1 (800) 488-5725 ILLINOIS 1 (800) 548-9034 INDIANA 1 (800) 452-4800 IOWA 1 (800) 351-4664 KANSAS 1 (800) 432-3535 KENTUCKY 1 (800) 372-2973/1 (502) 564-7372 LOUISIANA 1 (800) 259-5301/1 (504) 341-0828 MAINE 1 (800) 750-5353 MARYLAND 1 (800) 243-3425/1 (410) 225-1074 MASSACHUSETTS 1 (800) 882-2003/ 1 (617) 727-7750 MICHIGAN 1 (800) 803-7174 MINNESOTA 1 (800) 882-6262 MISSISSIPPI 1 (800) 948-3090 MISSOURI 1 (800) 390-3330 MONTANA 1 (800) 332-2272 NEBRASKA 1 (402) 471-2201 NEVADA 1 (800) 307- 4444/ 1 (702) 367-1218 NEW HAMPSHIRE 1 (800) 852-3388/ 1 (603) 271-4642 NEW JERSEY 1 (800) 792-8820 NEW MEXICO 1 (800) 432-2080 NEW YORK 1 (800) 333-4114/ NYC 1 (212) 869-3850 NORTH CAROLINA 1 (800) 443-9354 NORTH DAKOTA 1 (800) 247-0560 OHIO 1 (800) 686-1578 OKLAHOMA 1 (800) 763-2828/1 (405) 521-6628 OREGON 1 (800) 722-4134 PENNSYLVANIA 1 (800) 783-7067 RHODE ISLAND 1 (800) 322-2880 SOUTH CAROLINA 1 (800) 822-8804/ 1 (803) 737-7500 SOUTH DAKOTA 1 (800) 822-8804/ 1 (605) 773-3656 TENNESSEE 1 (800) 525-2816 TEXAS 1 (800) 252-3439 UTAH 1 (800) 439-3805/ 1 (801) 538-3910 VERMONT 1 (802) 828-3302 VIRGINIA 1 (800) 552-3402 WASHINGTON 1 (800) 397-4422 WEST VIRGINIA 1 (800) 642-9004/1 (304) 558-3317 WISCONSIN 1 (800) 242-1060 WYOMING 1 (800) 856-4398 Health Insurance Resources | About AHIRC | How to Reach Us Our Survey | Glossary | Our Sponsors | Comments & Feedback | Disclaimer

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.state.sd.us/social/ASA/SHIINE/

SHIINE   | DSS Home | Local DSS Offices | Site Index | Contact Us | Search |        Optional Survey      Department of    Social Services    SHIINE Program    700 Governors Drive    Pierre, SD 57501    1-800-822-8804       Email SHIINE (Insurance Counseling) Senior Health Information and Insurance Education (SHIINE) has trained volunteer counselors across South Dakota to assist senior citizens who have problems or questions with Medicare or private Medicare supplemental insurance. This federally-funded program is free to the citizens of South Dakota. SHIINE's goals are to: Educate older Americans about their health insurance coverage and benefits, consumer rights, insurance industry performance, and consumer safeguards. Provide hands-on advice and service to the consumer in understanding their health insurance coverage and eligibility for programs. Protect consumers from fraud, misdirected collection agencies, and unlawful or overzealous providers. Empower consumers to make informed decisions concerning health insurance options, exercising appeal and grievance rights, and recommending system reforms. Services SHIINE provides the following c ounseling services on a one-on-one basis, and the information is kept strictly confidential. For more information about SHIINE or to obtain SHIINE services call 1-800-822-8804. Medicare+Choice Program: Providing answers and information to frequently asked consumer questions about health plans offered in the Medicare+Choice program such as Health Maintenance Organizations (HMO's); Preferred Provider Organizations (PPO's); Provider Sponsored Organizations (PSO's); Private Fee-For-Service (PFFS); and a Medicare Savings Account (MSA) demonstration project. Information on Medicare+Choice terminology such as coordinated election periods, enrollment, disenrollment, benefits, access, consumer protections and premiums. Information on the relationship between Medicare+Choice plans and original Medicare. Medicare Counseling, Part A: Helping someone to understand what Medicare Part A does and does not pay for, eligibility questions, or understanding intermediary action. Medicare Counseling Part B: Helping someone to understand what Medicare Part B does and does not pay for, eligibility questions, or understanding carrier action. Medicare Billing and Claims: Problems of easy correction related to Medicare Summary Notices; Helping a person sort their bills to determine what medical providers have or have not been paid, and to determine the liability of the Medicare beneficiary; Teaching a Medicare beneficiary to organize and understand Medicare billings and claims. Medicare Supplemental Insurance Claims: Claims submittal to an issuer of Medicare supplemental insurance of a Medicare beneficiary, advocacy to get a Medicare supplemental insurance carrier to meet policy obligations such as payment of provider bills, eligibility issues, coding errors, etc. Medicare Appeals: Review, reconsideration, or formal appeal regarding Medicare's Summary Notices--including referral and involvement of an attorney when required for appeals. Medicare Supplemental Insurance Counseling: Medicare supplemental insurance policy analysis and comparison, eligibility for insurance, Medicare supplemental insurance rate comparison, explanation of Medicare supplemental insurance standardized plans. Medicaid, QMB or SLMB referral: Outreach to Medicare beneficiaries for recommendation to apply to the Department of Social Services for determination of eligibility for the Medicaid, Qualified Medicare Beneficiary or Special Low Income Medicare Beneficiary program. SHARECARE referral: Outreach to Medicare beneficiaries for recommendation to apply to the South Dakota State Medical Association for a SHARECARE card. The SHARECARE program allows for mandatory assignment of South Dakota physician claims for Medicare beneficiaries with incomes between 100% and 150% of the federal poverty level. Long Term Care Insurance Counseling: Long Term Care Insurance policy analysis and comparison, eligibility, explanation of policy benefits, etc. Additional Information   How do I get help understanding my i nsurance coverage and benefits?   What clients had to say about the SHIINE program   SD Consumer's Guide to Long-Term Care Insurance     2001 SD Consumer's Guide to Insurance to Supplement Medicare   Medicare Fact Sheets   Order SHIINE publications   Optional SHIINE Survey   How do I become a SHIINE volunteer?   SHIINE Links and Resources   SHIINE Administrative Forms (staff only)   S tate Health Insurance Assistance Programs | DSS Home | SD Home |  

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

Supplemental Insurance for a Disabled Person on Medicare Click Here! Click Here! you are here iVillage ivillagehealth experts health insurance message boards  .  chats  .  magazine sites  .  quizzes  .  free stuff  .  find  on iVillage astrology babies beauty books diet & fitness food health home & garden lamaze.com money parenting pets relationships women.com work --MAGAZINES-- Cosmopolitan Country Living Good Housekeeping House Beautiful Marie Claire Redbook Town & Country Victoria Click Here! Click Here! 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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? ARTICLE:   Qualifying for Disability Created: 05/15/2000   Reviewed: 06/13/2001 more Expert Archives Disability Support Board Health Board Central   send to a friend     printer friendly version Please Note: This iVillage/iVillageHealth service area is designed for educational purposes only. You should not rely on this information as a substitute for personal medical attention, diagnosis or hands-on treatment. If you are concerned about your health or that of a child, please consult your family's health provider immediately and do not wait for a response from our professionals. iVillage, Inc. Legal Disclaimer . 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