Choosing a Medigap Policy


Book Description

Medicare, a Federal health insurance program for people 65 years of age or older, & certain people with disabilities, pays for much of your health care, but not all of it. There are some costs that you will have to pay yourself, called your out-of-pocket costs. There are other kinds of health insurance, like Medigap Policies (MP), that may help pay the costs that Medicare doesn't. This Guide is about MP,Ó which are also called Medicare Supplement InsuranceÓ A MP is a health insurance policy sold by private insurance companies to fill the gapsÓ in the Original Medicare Plan coverage. This Guide helps you understand: What MP are; how MP can help you; & what do to before you buy a MP.







Guide to Health Insurance for People with Medicare


Book Description

What Medicare pays and doesn1t pay (Medicare benefit charts); types of private health insurance; tips on shopping for private health insurance; insurance counseling telephone numbers; state insurance departments, and Medigap policy checklist.













Care Without Coverage


Book Description

Many Americans believe that people who lack health insurance somehow get the care they really need. Care Without Coverage examines the real consequences for adults who lack health insurance. The study presents findings in the areas of prevention and screening, cancer, chronic illness, hospital-based care, and general health status. The committee looked at the consequences of being uninsured for people suffering from cancer, diabetes, HIV infection and AIDS, heart and kidney disease, mental illness, traumatic injuries, and heart attacks. It focused on the roughly 30 million-one in seven-working-age Americans without health insurance. This group does not include the population over 65 that is covered by Medicare or the nearly 10 million children who are uninsured in this country. The main findings of the report are that working-age Americans without health insurance are more likely to receive too little medical care and receive it too late; be sicker and die sooner; and receive poorer care when they are in the hospital, even for acute situations like a motor vehicle crash.