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Results from search: http://hiicap.state.ny.us/
Health Insurance Information, Counseling and Assistance Program
(HIICAP) Web Site
Health Insurance Information,
Counseling & Assistance Program
New York State World Trade
Center Relief Fund
HEADLINES
Governor
Pataki Signs New Legislation to Help Medicare Beneficiaries - Under new legislation
effective April 1, 2002, assets (such as savings) will not be counted when
determining eligibility for Qualified Individual 1 and Qualified Individual 2
benefits.
Aging
News Online - The latest edition of the
Aging News , the
New York State Office for the Aging's quarterly newsletter, is online. Find a
variety of articles and news items on new State initiatives, and more for older
New Yorkers.
A Vaccine
for Pneumonia? - Yes! If you haven't had the
pneumococcal shot, it's available now and year-round.
The
Pneumonia Review answers your questions about the pneumococcal vaccine and
the protections it offers!
New
Medicare Benefits - Medicare now provides
two new benefits -- medical nutrition
therapy and glaucoma screening for Medicare beneficiaries considered to be at
risk. Medicare also covers other Preventive
Services and Screening Benefits .
Benefit
Facts Updated - Since January 1, 2002, several
public benefit programs (such as HEAP and Medicaid) have new income eligibility
requirements. Check HIICAP's updated Benefit
Facts for details.
Future of Long Term Care
- What does the future hold for long term care as Baby Boomers expand the
senior citizen population? Read
Long
Term Care , an article from
Project 2015:
The Future of Aging in New York State .
Rules for
Changing Medicare Health Plans - Different rules for
when and how often you can switch your Medicare health maintenance organization
were put in place in January. If you are in a Medicare health plan, or are
considering joining one, you will want to know
how the rules affect you .
See
NEWS & UPDATES for
full stories.
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Web Sites of the New York State Office for the
Aging
NYSOFA Home
HIICAP Health
Insurance
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Housing
Aging Well
Village
Copyright © New York State Office for the Aging 2001-2002.
An Equal Opportunity Employer
Results from search: http://hiicap.state.ny.us/ltc/
Long Term Care Planning and Insurance
Long Term
Care
Insurance for LTC Services in New York
State
LTC Insurance Knowledge Center
T he greatest
threat facing older people and their families today may be the financial,
social, psychological and familial consequences of needing long term care.
Insurance for Long
Term Care Services in New York State -- Learn about consumer protections
and long term care insurance policies in New York State.
Long Term Care
Insurance Knowledge Center -- Find consumer basics and insurance
terminology.
Read the below introductory information, consumer note
and additional help links .
Long Term Care Insurance
Long term care insurance can help you:
protect your family from the
catastrophic costs of long term care;
remain in control of your assets;
and,
maintain your own independence and
dignity.
Private long term care insurance is a way to
avoid spending all of your assets when long term care is needed.
Long term care in a New York State nursing home costs about
$71,000 per year (more in the New York City area). The cost of long term care
insurance depends on your age, the benefits you choose, the length of coverage
and other factors.
Long term care insurance policies vary widely in the coverage
they provide, and consumers are wise to do some research before purchasing any
long term care insurance policy.
Insurance for Long Term Care Services in New York
State
A variety of policies is available to cover long term care
services. Insurance for Long Term Care Services in New York
State describes the types of policies offered in New York State, covered
services, State and federal tax benefits and the New York State Partnership for
Long Term Care. It introduces insurance requirements and consumer protections
and includes a directory of long term care insurers.
Long Term Care Insurance Knowledge Center
Become a knowledgeable consumer. The Long Term Care Insurance Knowledge Center is designed
to help you understand long term care insurance itself, including terms and
concepts. It will help you learn about long term care services and costs, the
benefits and features of long term care insurance policies and more.
A Note to Consumers
There is NO ONE RULE for everyone to use
to determine whether long term care insurance is right for them in terms of
either coverage or affordability.
As is the case with any options for health insurance,
consumers have choices. As usual, they should make their own decisions based on
their own goals, needs and circumstances AND with full awareness of the
consequences of their decisions and the consumer protections available to
them.
Long term care insurance is not for everyone. Some people
will not qualify. Some people do not need it. Some people do not have enough
assets to protect. Some people simply do not have enough income to afford
it.
Don't be afraid to take your time in making your long term
care insurance decision. Choosing a long term care plan and insurer is a major
decision. You need to understand your choices, your responsibilities and the
consequences of your decisions. Don't be afraid to call an insurance
representative more than once as you obtain more information and need
clarifications of former questions or answers to new questions.
NO MAJOR LIFE DECISION should be made without a FULL
understanding of the benefits, costs, and consequences from a variety of
perspectives. Making long term care planning and insurance decisions can be a
team effort for the consumer, including the HIICAP counselor or other local
Office for the Aging staff. Other members of the consumer's "team"
might include family members, a financial planner, an attorney, an insurance
agent, an accountant and a tax specialist. These professionals can help you to
decide whether long term care insurance makes sound financial sense for
achieving your goals -- usually protecting the life style of your spouse and/or
family and protecting your assets for your heirs.
If You Would Like Help
HIICAP Home
Page
HIICAP -- the New York State Health Insurance Information,
Counseling, and Assistance Program -- can help you with your long term care
insurance choices. The HIICAP Home Page leads you to a range of health
insurance information.
HIICAP
Assistance
HIICAP provides free, confidential, accurate and unbiased
health insurance information, counseling and assistance. Trained volunteer
counselors and staff explain the coverage, costs, comparisons and options of
Medicare, Medicaid and private insurance, including Medigap and long term care
insurance. How to Contact
HIICAP for Assistance has information about how you can get personalized
help with your health insurance questions including long term care insurance
questions.
HIICAP Helplinks
The HIICAP Helplinks
includes descriptive information, toll-free hotline numbers, addresses and
links to agencies and organizations of importance to older people and their
families on the topics of Medicare, Medicaid, managed care, private health
insurance (including Medigap insurance and long term care insurance) and
more.
New York State
Office for the Aging Home Page
HIICAP is administered by the New York State Office for the
Aging. Visit the New York State Office for
the Aging Home Page for information about programs and services for the
elderly in New York State, the telephone numbers or addresses of your
local office for the
aging and a variety of other helpful information. Go to the Office's
WWW Resource Links for
many links of interest to older people, their families and professionals in the
field of gerontology and for several search engines.
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Aging
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HIICAP Health
Insurance
Your Guide to Senior
Housing
Aging Well
Village
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Results from search: http://www.health.state.ny.us/
New York State Department of Health - http://www.health.state.ny.us
http://www.health.state.ny.us
Results from search: http://www.health.state.ny.us/nysdoh/epic/faq.htm
Elderly Pharmaceutical Insurance Coverage (EPIC) Program
d
Return to Information for Consumers
A Prescription Plan for Senior Citizens Sponsored by New York State
The EPIC application form is available as an Adobe Portable Document Format (PDF) file. A special reader software is needed and can be downloaded free. Click here for help with PDF files. Ayuda con archivos PDF
Click here to download and print the EPIC Application form in English (file size 693 KB)
Pulse aquí para descargar e imprimir la aplicación de EPIC en español (tamaño de archivo es 630 KB)
Click here for an on-line Application Request Form
Click here for a copy of the program's most recent Annual Report (PDF format - 233KB)
Or call 1-800-332-3742 for more information or an application.
What is EPIC?
EPIC is a New York State sponsored prescription plan for senior citizens who need help paying for their prescriptions. Over 270,000 seniors already belong and are saving over half the cost of their medicines.
Last year, legislation was passed that significantly enhanced the EPIC program. Income limits were increased, copayments for prescriptions were lowered, quarterly fees were reduced for low and moderate income seniors, and a new deductible plan was added for higher income seniors. These changes began January 1, 2001.
Who can join?
New York State residents can join EPIC if they are 65 or older, and have an annual income of $35,000 or less if single, or $50,000 or less if married.
Seniors who receive full Medicaid benefits or have other prescription coverage that is better than EPIC are not eligible for EPIC benefits.
How does EPIC work?
EPIC is a cost sharing program. Seniors with moderate incomes pay a low quarterly fee, and participate in the Fee Plan . Seniors with higher incomes meet an annual deductible , and participate in the Deductible Plan . Those who pay a fee or meet their deductible make a copayment at the pharmacy when purchasing prescriptions.
Fee Plan
Single seniors with income up to $20,000 and married seniors with income up to $26,000 are eligible for the Fee Plan; the cost to join this plan is based on annual income. Seniors may pay their annual fee in quarterly installments.
Click here to see the new fees
Deductible Plan
The Deductible plan is available to single seniors with income between $20,001 and $35,000, and married seniors with income between $26,001 and $50,000. This plan is designed to help seniors with high drug costs. There is no fee to join the Deductible Plan. Those enrolled pay full price for their prescriptions until they meet an annual deductible which is also based on income. There is no need to send in receipts; EPIC automatically keeps track of how much deductible enrollees have spent at the pharmacy. After the deductible is met, these enrollees save more than half of their prescription costs for the rest of the year.
Click here to see the new deductibles
Copayments
At the pharmacy, those enrolled in the Fee Plan and those enrolled in the Deductible Plan who have met their annual deductible show their EPIC cards, and.
For Each Prescription Costing:
Enrollees Pay:
Up to $ 15
$ 3
$ 15.01 to $ 35
$ 7
$ 35.01 to $ 55
$ 15
Over $ 55
$ 20
What drugs are covered?
Almost all prescription medicines are covered, as well as insulin, and insulin syringes and needles. Both brand name and less expensive generic drugs are included. Enrollees can buy up to 100 tablets, or a 30-day supply at a time.
How can I find out more about EPIC?
EPIC operates a toll-free Helpline which is available from 8:30AM to 5:00PM, Monday through Friday. Call 1-800-332-3742 for more information or an application .
Click here for an EPIC application
Adobe PDF format - 694 KB Click Here with help with PDF files.
Send questions or comments to: epic@health.state.ny.us
Revised: December 2001
Results from search: http://aging.state.ny.us/
New York State Office for the Aging Web Site
Serving
Older New Yorkers
& Their Families
New York State World Trade Center Relief Fund
HEADLINES
State
To Address Impact of 'Boomers' - Governor George E.
Pataki has directed 37 State agencies to examine the impact of the Baby Boom
generation on State services. "Changing demographics will have an
impact on what we do in government and how we do it," Governor Pataki
said.
May is Older Americans
Month! - This year's theme, "America: A
Community for All Ages," pays tribute to our elders and recognizes the
strength they give our nation. Find out more about
Older Americans Month and help someone
you know celebrate.
New
Aging-Prepared Community Project - The John A.
Hartford Foundation has awarded the Albany University an
innovation grant to develop and
implement a plan to create an exemplary aging-prepared community. The New York
State Office for the Aging and the School of Social Welfare at the University
are working together in this nationally significant work.
Aging
News Online - The latest edition of the
Aging News , the New York State Office for
the Aging's quarterly newsletter, is online. Find a variety of articles and
news items on new State initiatives, and more for older New Yorkers.
Aging Well Village - The
Aging Well Village is the place to
go to find healthy
recipes , exercises and more to
help you keep safe, healthy and active. Did you know that
Mammography
Screening Recommendations say women aged 40 and older should have a
mammogram every 1-to-2 years?
Your
Guide to Senior Housing - Choosing where to live is
a major decision for anyone, and our searchable, on-line
Guide to Senior
Housing can help. The more you know, the better your decision can be. Do
you know everything you should know about
Age Eligibility
for Senior Housing ?
Transportation Today & Tomorrow - Transportation is critical for seniors to have
access to community functions and resources including health care and basic
goods and services. Read The Transportation Mobility of
New York State's Aging Baby Boomers , an article from
Project 2015: The Future of Aging in
New York State .
Also see News &
Events .
- EPIC -
If you are a New York State resident and are 65 or older, you
may be eligible for the
Elderly Pharmaceutical Insurance Coverage
(EPIC) program.
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FEEDBACK DISCLAIMER
This Web site, including all information and graphics presented, is
Copyright © New York State Office for the Aging 2001-2002. It may not be
copied or republished in any form without the explicit permission of the New
York State Office for the Aging.
An Equal Opportunity Employer
Results from search: http://www.hanys.org/
The Healthcare Association of New York State
DOH, JCAHO, NYSACHO Meet With HANYS' Emergency Preparedness Task Force
HANYS Works to Address Proposed Medicare Inpatient Reductions
New York Republicans Affirm Their Support for Health Care Providers
2001 ICR Software Available
Federal Grants Announced for Ground Zero Studies
Visit the archives...
HANYS' Web Site for Auxiliaries
HANYS News -- May 10, 2002
Form for Hospital Certification for Health Recruitment and Retention Funds
CMS Releases "The CMS Quarterly Provider Update - A Source For National Medicare Provider Information"
HANYS Releases Insurance Survey Highlights
HANYS' Executive Orientation
- May 23, 2002
HBS Symposium - June 13-14, 2002
The Seventh Annual
Emergency Medical Preparedness Educational Symposium -
September 24-26th
HANYS' Managed Care SWAT Training - 2002 Program Schedule
The Healthcare Educational and Research
Fund (HERF) 2002 Programs
More Upcoming Events...
Information listed throughout the HANYS web site that is designated for "members only"
is denoted with the following symbol.
To enter our "members only" section you must be
employed at one of our member institutions and have a login
and password account. To obtain an account, please
complete a "members
only"
account form and e-mail it back to HANYS.
home / members only / news & views / resource locator / tools of the trade / career opportunities / about HANYS This page, and all contents, are Copyright © 2001 by the Healthcare Association of New York State,
One Empire Drive, Rensselaer, New York, 12144, Phone (518) 431-7600, FAX (518) 431-7915
Results from search: http://www.cs.state.ny.us/
New York State Department of Civil Service
d
George E. Pataki
Governor
New York
State World Trade Center Relief Fund
George C. Sinnott
Commissioner
New York
State is an Equal Opportunity/Affirmative Action Employer
© 2001 New York State Department of Civil Service
Comments or problems with this web site? e-mail webmaster: pio@cs.state.ny.us
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Results from search: http://www.agingwell.state.ny.us/
Aging Well Village
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HEADLINES
NEW! Tantalize Your Tastebuds! - Try these new recipes for
Red Grapefruit Salad, Chicken Salad and Spicy Baked Cod. You'll enjoy their
taste and their health benefits.
NEW!
Bicycling for Good Health - Bicycling can help
seniors and baby boomers remain healthy and active.
Bicycling Promotes Good Health
and enjoyment of the great outdoors. For
Bicycle Safety and to fully enjoy
your cycling experience, it is important to take the proper safety
precautions.
Stretching
Exercises - Stretching exercises can enhance
your lifestyle by giving you more freedom of movement and flexibilty. Our
series on stretching exercises continues with stretches for
Ankles ,
Triceps ,
Wrists and
Quadriceps .
A
Vaccine for Pneumonia? - Yes! If you haven't had the
pneumococcal shot, it's available now and year-round.
The Pneumonia Review answers your
questions about the pneumococcal vaccine and the protections it offers!
Colorectal Cancer: Preventable,
Treatable, Beatable! - Colorectal cancer is the
second leading cause of cancer-related deaths in the United States, and early
detection has the potential to reduce mortality from colorectal cancer by 30
percent. Colorectal cancer is Preventable, Treatable,
Beatable !
Updated Mammography Screening
Recommendation - Women aged 40 and older are
encouraged to undergo mammography screening every one to two years under
a new recommendation from the
U.S. Preventive Services Task Force. Earlier recommendations had endorsed
mammography for women aged 50 and older.
Baby Boomers & Informal Caregiving - Baby Boomers play a vital role as caregivers for parents and aging
relatives, yet most will become seniors themselves over the next decade. Read
Informal
Caregiving , an article from
Project 2015:
The Future of Aging in New York State .
Also see the News Stand for links to
online news sources!
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