TAILIEUCHUNG - Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare

Someone with a physical illness or disability often needs hands-on or stand-by assistance with activities of daily living (see page 19). People with cognitive impairments usually need supervision, protection or verbal reminders to do everyday activities. The way long-term care services are provided is changing. Skilled care and personal care are still the terms used most often to describe long-term care and the type or level of care you may need. People usually need skilled care for medical conditions that require care by medical personnel such as registered nurses or professional therapists. This care is usually needed 24 hours a day, a physician must order it, and it must. | CENTERS FOR MEDICARE MEDICAID SERVICES 2012 Choosing a Medigap Policy A Guide to Health Insurance for People with Medicare This official government guide has important information about the following What is a Medigap Medicare Supplement Insurance policy What Medigap policies cover Your rights to buy a Medigap policy How to buy a Medigap policy This guide can help if you re thinking about buying a Medigap policy or already have one. Developed jointly by the Centers for Medicare Medicaid Services CMS and the National Association of Insurance Commissioners NAIC How to use this guide There are two ways to find the information you need 1. The Table of Contents on pages 3-4 can help you find the sections you need. 2. The List of Topics on pages 53-56 lists topics in this guide and the page number of where to find them. Who should read this guide This guide helps people with Medicare understand Medigap also called Medicare Supplement Insurance policies. A Medigap policy is a type of private insurance that helps you pay for some of the costs that Original Medicare doesn t cover. Table of Contents 3 Section 1 Medicare Basics 5 A brief look at What is Medicare .6 The different parts of Medicare .6 Your Medicare coverage choices at a Section 2 Medigap Basics 9 What is a Medigap policy .9 What Medigap policies What Medigap policies don t Types of coverage that are NOT Medigap What types of Medigap policies can insurance companies sell .12 What do I need to know if I want to buy a Medigap policy .13 When is the best time to buy a Medigap policy .14 Why is it important to buy a Medigap policy when I m first eligible .16 How do insurance companies set prices for Medigap policies .17 What this pricing may mean for you . 18 Comparing Medigap costs .19 What is Medicare SELECT .20 How does Medigap help pay your Medicare Part B bills .20 Section 3 Your Right to Buy a Medigap Policy 21 What are guaranteed issue rights .21 When do I .

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