TAILIEUCHUNG - Consumer’s Guide to Medicare Supplement Insurance

While much of this recent literature has focused on how the amount of insurance varies across different worker and employer groups, the role of collective bargaining has received somewhat less attention. 2 The scant evidence on collective bargaining is particularly surprising as the role of trade unions as an insurance device has long been emphasised by researchers. The general argument here is that union may mitigate the enforcement problems that arise within risk-sharing agreements between workers and their employers (., Horn and Svensson 1986, Malcolmson 1983). Clearly, examining the trade unions’ role in providing wage insurance is crucial to an understanding of how labour market institutions affect wage dynamics | Consumer s Guide to Medicare Supplement Insurance Helping Montana seniors and their families make informed decisions about Medicare Dear Montana Senior I am pleased to provide you with a copy of the Montana Consumer s Guide to Medicare Supplement Insurance. This guide includes tips on choosing a Medicare Supplement the current coverage provided by Medicare and a chart comparing many of the Medicare Supplement policies sold in Montana. Please be aware that Medicare Supplement plans One of my goals as Commissioner of Securities Insurance is to help you be an informed buyer. recently underwent several important changes. The total number of plans has been reduced to 11 from the 14 that were previously offered. Plans E H I J and high deductible J have been eliminated. Medicare Part D and Medicare Part C the Medicare Advantage Plans are still available. Recent changes also include the creation of Plans M and N which have higher beneficiary cost-sharing. Plan N has benefits similar to Plan D but with a 20 co-pay for doctor visits and a 50 co-pay for emergency room visits. Plan M is similar to Plan D but only covers half of the Part A deductible. As you use this guide please keep in mind that it is just that a guide to assist you with your purchasing decision. Shop carefully take your time and contact our office if you have questions. Knowledgeable staff is dedicated to assisting you with a wide range of insurance questions or problems. The toll-free number is 1-800332-6148. Helena residents may reach us at 444-2040. You will also find more useful information on the agency website at . Sincerely Commissioner of Securities Insurance Montana State Auditor Consumer s Guide to Medicare Supplement Insurance Contents What is Medicare 1 Frequently Asked Questions 2 Medicare Savings Programs 3 Preventive Health Benefits 3 Open Enrollment 4 Medicare Coverage 5-8 Medicare Charts 9-10 Medicare Supplement Insurance 11-12 Medicare Supplement Plans A-N Comparison Chart 13

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