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Topic: Medigap

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	FAQ - Medigap (Medicare Supplemental Insurance) (Copyright Center for Medicare Advocacy, Inc.)
		If such a beneficiary does enroll in a Part D prescription drug plan, his or her Medigap plan’s coverage will be modified to eliminate prescription drug coverage as of the effective date of the Part D plan.
		Medigap insurance issuers were required to send notice to their enrollees between September 15, 2005 and November 15, 2005 advising them if the Medigap insurance they have is creditable.
		Most Medigap plans will not be considered creditable coverage because their coverage is not as good as the standard Part D benefit.
	www.medicareadvocacy.org /FAQ_Medigap.htm (3217 words)

	Things to Know About Medigap Insurance
		A Medigap policy provides reimbursement for the out-of-pocket costs that are not covered by Medicare and which are the beneficiary's share of health care costs.
		If you purchase a Medigap policy at an older age, you may have a six-month period of non-coverage for a particular pre-existing condition, after which your coverage will be total.
		A Medigap insurance company is required to send you an Explanation of Benefits to prove that it paid its portion of your claims for your health benefits.
	hiicap.state.ny.us /mgap/mgap02.htm (824 words)

	Medigap / Medicare Supplemental Insurance (Site not responding. Last check: 2007-11-06)
		Medigap plans are designed to provide coverage AFTER Medicare and may not necessarily pay all your out of pocket costs.
		Medigap plans premium costs is dependent upon which level you choose of A through J, sometimes your age, and where you live.
		This is probably the major reason you need a Medigap plan based on the Part A initial deductible and co-pay days in Part A you could possibly have $7446.00 in out of pocket expense without Medigap coverage.
	www.iasn.net /Medigap.html (781 words)

	Medigap Insurance
		Medigap insurance is specifically designed to supplement Medicare's benefits and is regulated by federal and state law.
		Although the benefits are identical for all Medigap plans of the same type, the premiums may vary greatly from one company to another and from area to area.
		On the other hand, older Medigap policies, which cannot be sold to new applicants, may experience greater premium increases than newer standardized policies which can enroll new applicants (younger, healthier policyholders whose better claims experience will help moderate premiums).
	www.mcclaren.com /medigap.htm (1527 words)

	WPS Medicare Part B - Medigap Overview
		Medigap policies are private, individual health insurance policies that specifically supplement Medicare benefits.
		Medigap policies cover the gaps due primarily to Medicare's deductible and coinsurance liabilities.
		Medigap policies are required to meet the statutory definition of a "Medicare supplemental policy" per section 4081 of Omnibus Budget Reconciliation Act of 1987.
	www.wpsic.com /medicare/xover/mgap_over.shtml (861 words)

	Health Services Research: Medigap premiums and Medicare HMO enrollment - Access to Care
		Although the Medigap price is just one factor affecting the future growth of Medicare HMO enrollment, it is nonetheless an important driver and one that should be considered when creating policy related to Medicare beneficiaries' supplemental coverage.
		In this case we would expect the coefficient on the Medigap premium to be sensitive to the inclusion of market-level variables and those measuring HMO traits.
		Yet, we find that the Medigap coefficient is not very sensitive to the inclusion of several market factors, such as the number of hospital beds per capita and the presence of a $0 premium Medicare HMO.
	www.findarticles.com /p/articles/mi_m4149/is_6_37/ai_97177041/pg_4 (1370 words)

	Medigap \| ElderWeb
		Medigap Insurance - (or Medicare Supplement) Private insurance which covers some of the gaps in Medicare coverage, such as the deductibles and coinsurance.
		For example, half the representatives they contacted incorrectly answered that their company could not provide MediGap coverage to a 75 year old with cancer who had been dropped by her Medicare plan.
		Actually, federal law states that beneficiaries who are dropped by their managed care plan cannot be refused a Medigap policy on the basis of their health.
	www.elderweb.com /home/taxonomy/term/6360 (706 words)

	Open Enrollment & Guaranteed Issue Periods for Medigap: CalMedicare.org
		If you purchase a Medigap policy after the six-month open enrollment period, you could be denied the Medigap policy of your choice, or any Medigap policy, because of pre-existing health conditions.
		They can 1) choose to keep their Medigap policy with drug coverage and not sign up for Part D; or 2) buy a new Medigap without drug benefits and sign up for a Medicare Part D prescription drug plan with one of the private companies offering one of those plans in 2006.
		Medigap companies will begin notifying people of their options in September 2005 if they have a Medigap with a drug benefit.
	www.calmedicare.org /medigap/open.html (1613 words)

	NIB Health Funds - Private Health Cover - MediGap Doctor Search
		NIB's MediGap scheme aims to eliminate the 'gap' payments for members by establishing a network of doctors who agree to accept the NIB benefit as full settlement of their account.
		MediGap is an option available to all doctors who treat eligible NIB privately insured patients in public or private hospitals and registered day hospital facilities.
		The NIB MediGap scheme is a “no gap” scheme therefore if your doctor bills you using this scheme there should be no out of pocket expenses for this treatment.
	www.nib.com.au /services/medigap.asp (1116 words)

	NCPA - BA #226 - Fix Medicare, Not Medigap
		While the medigap market is not perfect, reforms passed by Congress in 1990 which became effective in 1992 have gone a long way toward solving any problems.
		One survey found that 94 percent of medigap policy holders are satisfied with their plan.
		Some reformers argue that while making medigap insurance more portable by making it guaranteed issue would increase its cost, seniors should be willing to pay this price for the privilege of being able to drop their medigap policies when they move into Medicare HMOs and regain them if they return to traditional Medicare.
	www.ncpa.org /~ncpa/ba/ba226.html (1177 words)

	Medicare.gov - Medigap (Supplemental Insurance) Policies (Site not responding. Last check: 2007-11-06)
		A Medigap policy is health insurance sold by private insurance companies to fill the “gaps” in Original Medicare Plan coverage.
		If you are in the Original Medicare Plan and have a Medigap policy, then Medicare and your Medigap policy will pay both their shares of covered health care costs.
		A Medigap policy must be clearly identified on the cover as “Medicare Supplement Insurance.” Each plan, A through L, has a different set of basic and extra benefits.
	www.medicare.gov /medigap (332 words)

	Complimentary Crossover & Medigap \| EDI \| Medicare Part B Carrier \| The Regence Group (Site not responding. Last check: 2007-11-06)
		MEDIGAP is a health insurance policy or other health benefit plan offered by a private entity to those persons entitled to Medicare benefits, and is specifically designed to supplement Medicare benefits.
		MEDIGAP is not coverage from an employer or union, a Medicare managed care plan [e.g., a Health Maintenance Organization (HMO)], a private fee-for-service plan, Medicare Part B, or Medicaid.
		If a correct MEDIGAP identifier is not given, processing of the claim will be delayed and the claim may not be forwarded to the MEDIGAP Insurer.
	medicare.regence.com /partB/edi/crossover (893 words)

	Medicare Supplement Insurance Rate Guide (Site not responding. Last check: 2007-11-06)
		Medigap policies are sold by private insurance companies that are licensed and regulated by the Texas Department of Insurance.
		Medigap rates are set by insurance companies, and are subject to approval by the Texas Department of Insurance.
		People who were eligible to purchase a Medigap plan but did not do so because they had Medicaid coverage have the opportunity to purchase a Medigap plan if they lose Medicaid because of a change in their financial status.
	www.tdi.state.tx.us /consumer/medsup.html (5611 words)

	Insure.com Car Insurance - Official site. Compare auto insurance quotes, 200 companies, instant term life insurance ...
		Medigap policies, however, are regulated by both the state and the federal government.
		The federal government has authorized 10 standardized Medigap policies: Plans A through J. Depending on where you live, all 10 of these standard policies — or only a few — may be offered.
		Medigap plans are in no way a substitute for long term care insurance.
	info.insure.com /medigap/medigap.html (513 words)

	The Medigap Helpline
		This is a state-wide toll-free number provided by the Wisconsin Board on Aging and Long Term Care.
		A Medigap counselor has answers to these questions and more: 1-800-242-1060.
		The Medigap Helpline also has useful booklets on Medicare supplement and long-term care insurance.
	www.dhfs.state.wi.us /aging/BOALTC/MEDIGAP.HTM (297 words)

	Kiplinger's Personal Finance Magazine: Medigap: one size doesn't fit all - disparity in prices charged for bundled ...
		In the years since Congress ordered the demystification of medigap insurance, one thing has not changed a bit: the astonishingly wide range in prices for policies that offer precisely the same benefits.
		Since 1992, policies that pay the medical bills that medicare doesn't have had to provide one of ten specific benefit packages, labeled A through J. The government dictates what the policies cover, but not their price tags.
		Any company that sells medigap coverage must offer policy A, a package of core benefits that is also the starting point for policies B through J. Core benefits include:
	www.findarticles.com /p/articles/mi_m1318/is_n1_v52/ai_20097743 (1581 words)

	West Virginia SHIP - Medigap (Site not responding. Last check: 2007-11-06)
		People often refer to all of these types of private health insurance as "supplemental." However, "Medicare Supplemental" or "Medigap" insurance is a specific type of private insurance that is subject to federal and state laws.
		Medigap insurance is specifically designed to fill "gaps" in Original Medicare.
		Medigap can only be sold in ten standardized plans, labeled A-J. By going to the "Medigap Compare" link at www.medicare.gov, you can view the benefits of the different plans.
	www.state.wv.us /seniorservices/Shine/medigap.cfm (297 words)

	Tips On Medicare and Medigap Insurance (Site not responding. Last check: 2007-11-06)
		"Medigap" insurance may be purchased to fill some of these "gaps." Medicare supplement or "Medigap" insurance is private health insurance designed specifically to supplement Medicare's benefits by filling in some of the gaps in Medicare coverage.
		As of July 1992, all new Medigap policies offered by insurers must be one of ten "standardized" plans, according to federal law.
		After the purchase, if you decide not to keep the policy, insurance companies are required to give you a "free look" period during which you may return the policy and receive a refund of all premiums paid.
	www.newyork.bbb.org /Library/publications/subrep202.html (2911 words)

	Medicare Rights Center-Medigap Report
		All older adults have the right to buy the Medigap plan of their choice during the first six months after they first join Medicare Part B, as long as they are age 65 or older.
		Fifty percent (50%) of the Medigap customer service representatives incorrectly answered the question "Will you sell my 75-year-old grandmother a Medigap policy and cover her pre-existing condition?" Forty-four percent (44%) of the customer service representatives still incorrectly answered the question when the caller was identified as an MRC representative.
		Medigap companies were slightly more likely to give wrong information to consumers (wrong 44% of the time) than to MRC representatives (wrong 41% of the time).
	www.medicarerights.org /maincontentpolicymgrights.html (4332 words)

	Supplemental Plans (Medigap)
		AARP explains types of coverage that are available to supplement Medicare and gives five steps to choosing a plan that’s right for you.
		Compare Medigap plans with this list of coverage offered by the A-L Medigap plans.
		Background information on Medigap insurance plans that supplement Medicare and the benefits those plans cover.
	www.aarp.org /health/medicare/supplemental (207 words)

	Standard Medicare Supplement Insurance (Site not responding. Last check: 2007-11-06)
		A Medigap policy is a health insurance policy sold by private insurance companies.
		During the first 6 months you are age 65 and enrolled in Part B, you can buy the Medigap policy of your choice regardless of whether you had enrolled in Part B before you were age 65.
		You will not have to switch to one of the 10 standard plans if you have an older policy that is guaranteed renewable, but some companies may automatically roll your policy into one of the newer standardized plans.
	www.doi.state.id.us /shiba/medigap.aspx (610 words)

	SeniorCitizens.Com : Insurance : Medigap (Site not responding. Last check: 2007-11-06)
		A Medigap plan is a health insurance plan that fills the gaps in Original Medicare plan coverage.
		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.
	www.seniorcitizens.com /k/medigap.html (516 words)

	PalmettoGBA.com-Providers/Part B Carrier/South Carolina/Advisories/1996 - 1997 (Medigap Claims)
		A Medigap policy is a health insurance policy or other health benefit plan offered by a private entity to people entitled to Medicare benefits.
		Instead of reporting the Medigap insurer’s street address, city, state and zip in item 9c and the insurance company’s name in item 9d of the HCFA 1500 (12/90) claim form, you can enter the OCNA number in item 9d and leave item 9c blank.
		The beneficiary must assign his or her Medigap benefits to you by completing Item 13 of the HCFA 1500 (12-90) claim form.
	www.palmettogba.com /palmetto/providers_A.nsf/(Docs)/0C256D570078F5268525662B00636127?OpenDocument (2079 words)

	Medicare \| Medigap Premium Rate Increases Slowed to 2.4% This Year, Study Finds - Kaisernetwork.org
		The report concluded that the slower growth rate could be attributed to three factors: some insurers stopped offering Medigap policies, some eliminated certain high-priced Medigap plans and some lowered or maintained their Medigap premiums because of legislative changes that reduced claim costs (Weiss release, 8/7).
		Nationwide, 146 companies currently offer Medigap policies, compared to 167 companies last year and 181 companies in 2000.
		Weiss Chair Martin Weiss said, "With the exception of certain regions, consumers are finally getting some relief from the large [Medigap] rate increases they've suffered during the past few years, especially in the plans that cover prescription drugs.
	www.kaisernetwork.org /daily_reports/rep_index.cfm?DR_ID=12915 (245 words)

	MRC - Medigap Chart
		There are 12 Medigaps plans designed to help fill the gaps in Medicare coverage.
		The most popular Medigap plans are C and F. Note: The numbers listed below are for 2006.
		Medigap plans are standardized but each company sells the exact same plan for different prices.
	www.medicarerights.org /medigap_a-j.html (357 words)

	Revised Medigap Policies Helped Consumers Purchase Insurance
		It found that consumers reported better understanding of which Medigap policies offer the most value for their money and appear to be spending more on Medigap policies after standardization because they are purchasing coverage with more benefits.
		Nearly three-fourths of Medigap consumers purchase plans that provide coverage for hospital care, skilled nursing home care, and physician services, and are less likely to purchase coverage for preventive care, at-home recovery, or prescription drugs.
		Consumers appear to be spending more on Medigap policies after standardization, partly because they are seeking out and purchasing coverage with more benefits (e.g., coverage of non-assigned physician charges).
	www.rwjf.org /reports/grr/pc258.htm (525 words)

	Medigap Insurance (Site not responding. Last check: 2007-11-06)
		Medigap insurance also is known as Medicare supplement insurance.
		Medigap Insurers and Benefit Plans identifies New York State Medigap insurers and the selection of benefit plans they offer.
		Making Your Medigap Decision can help you to consider several factors when choosing among the different Medigap benefit plans and the different Medigap insurers.
	hiicap.state.ny.us /mgap (343 words)

	Seattle Washington Senior Insurance Services Medicare Medigap Supplemental Long Term Care and Seattle Washington Final ... (Site not responding. Last check: 2007-11-06)
		You may need some of the benefits that you can get with a Seattle Washington Medicare (or Medigap) supplement, like having to go to a skilled nursing facility for more than 20 days after a hospital stay.
		In this instance, you have to pay the Medicare Part A deductible each benefit period, and if you just have Medicare Part B, each year you must pay the Medicare Part B deductible before Medicare starts to pay their share.
		You should know some of the extra benefits you can receive with a Seattle Washington Medigap plan: There is Medicare Part B Excess Charge, which is the difference between your doctor's actual charge and Medicare's approved amount.
	www.knoxassociates.net /Seattle/seattle_senior_insurance_quote.htm (849 words)

	MSN Money - How to win the medigap pricing game
		Now, medigap plans generally come in 10 variations: Plans A thorough J (although three states -- Massachusetts, Minnesota and Wisconsin -- have their own versions).
		A 2001 General Accounting Office study found, for example, that Illinois insurers were charging 65-year-olds from $467 to $1,202 for Plan A medigap policies.
		Other insurers require the doctor to submit the medigap claim, but "it's all invisible to the patient," says Margo Illobre, the billing supervisor for an 18-provider family-practice group in Wilmington, N.C. Only a few companies require patients to submit paperwork themselves.
	moneycentral.msn.com /content/Insurance/P45537.asp (1763 words)

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