TAILIEUCHUNG - Medicare Supplement Insurance Handbook & Rate Guide

The Government plays an important role in ensuring that insurance services can generate benefits. In developed countries, the Government’s key role is to act as a regulator to ensure security and stability in the sector. In developing countries, it also has the role of providing insurance services as a public good. Developing countries seek to establish efficient domestic regulatory frameworks as a prerequisite for insurance service privatization and liberalization. By making the regulatory environment transparent, effective, flexible and simplified, and by pursuing national policy objectives, Governments can help maximize the contribution of insurance services to development. The benefits of. | Medicare Supplement Insurance Handbook Rate Guide Published by the Texas Department of Insurance October 2012 Getting Help from TDI If you believe an insurance company has treated you unfairly first contact your company and try to resolve the problem. Most companies operating in Texas are required to have a toll-free telephone line to provide customer assistance. The number should be listed in your policy. If you are unable to resolve the problem yourself you can file a complaint with TDI. There are several ways to file a complaint on our website at consumer by email at ConsumerProtection@ by fax at 512-475-1771 by mail at Texas Department of Insurance Consumer Protection 111-1A . Box 149091 Austin TX 78714-9091 This publication has been created or produced by Texas with financial assistance in whole or part through a grant from the Centers for Medicare Medicaid Services the Federal Medicare agency. LOCAL HELP FOR PEOPLE WITH MEDICARE Medicare is a federal health insurance program that pays most of the health care costs for people who are 65 or older. It will also pay for health care for people who are eligible because of a disability or qualifying health condition. You can buy Medicare supplement insurance to help pay some of your out-of-pocket costs that Medicare won t pay. Because it helps cover some of the gaps in Medicare coverage Medicare supplement insurance is often called Medigap insurance. Not everyone needs a Medicare supplement policy. If you have other health coverage the gaps might already be covered. You probably don t need Medicare supplement insurance if You have group health insurance through an employer or former employer including government or military retiree plans. You have a Medicare Advantage plan. Medicaid or the Qualified Medicare Beneficiary QMB Program pays your Medicare premiums and other out-of-pocket costs. QMB is one of several Medicare Savings Programs that help pay Medicare .

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