Medicare & Other Health Insurance

  • Adding Long Term Care Services to Medigaps Isn’t a Good Option & Here’s Why

    By on July 19, 2019

    Below is California Health Advocate’s comment letter to the National Association of Insurance Commissioners (NAIC) about Medigap and long term care services and supports (LTSS). It is in response to Chairman Neal’s of the House Ways and Means Committee inquiry about the possibility of including these benefits in Medigap policies.   While we share Chairman...

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  • CHA Weighs in on Medigaps & Innovative Benefits

    By on June 4, 2019

    Bonnie Burns, our Training and Policy Specialist and also long-time consumer representative of the National Association of Insurance Commissioners (NAIC), submitted this letter to the Chair of the NAIC Senior Issues Task Force, Lori Wing-Heier. Burns addresses the conundrum of the introduction of “innovative benefits” in some standardized Medigap policies in various states and...

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  • Keep Medigap Plans Standardized ~ Support SB 407

    By on February 28, 2019

    Approximately 11 million Medicare beneficiaries have Medicare Supplement insurance, better known as Medigap. Medigap pays some or all of Medicare’s out-of-pocket costs, namely the coinsurance and deductibles. Medigap insurance is offered through 10 standardized, easily comparable benefit packages, plans A-N, mandated under federal law. (Note: plans E, H, I and J were previously removed...

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  • COBRA Warning for People Eligible for Medicare

    By on January 15, 2019

    If you are eligible for Medicare, regardless of whether you signed up for it, COBRA can bite you! COBRA – the Consolidated Omnibus Budget Reconciliation Act – gives you the legal right to continue group health benefits when they might otherwise end due to job loss, divorce or death. They are the same as...

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  • VA’s New Final Rule Affects Several of its Needs-Based Programs

    By on October 30, 2018

    Earlier this month, the Department of Veteran Affairs’ new final rule went into affect, which significantly impacts the VA Pension, the Aid & Attendance Benefit and some other needs-based benefit programs. Those who work with Veterans should be aware of these changes when advising clients. Many of the changes affect certain eligibility requirements, including:...

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  • Be Informed with the Medicare Fully Informed Project

    By on October 17, 2018

    Each year during Medicare’s Open Enrollment (Oct 15- Dec 7), beneficiaries are inundated with marketing materials from growing numbers of Medicare Advantage and Part D prescription drug plans, and materials from the Centers for Medicare and Medicaid Services (CMS). While these materials are supposed to help beneficiaries review current plan changes and make informed choices for...

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  • Administration Imposes Deep Cuts to Grants Helping Americans Buy ACA Plans…Again

    By on July 30, 2018

    Earlier this month the Trump Administration took more actions towards sabotaging the Affordable Care Act (ACA) and people’s access to quality health care suitable for their needs. The Administration is eliminating almost all the funding for “navigators”, the grass roots groups that help Americans “navigate” the health insurance marketplace to buy coverage, and, at...

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  • Newly Introduced Bill Would Strengthen Medigaps & Consumer Protections

    By on July 24, 2018

    Earlier this month, Representative Sandy Levin (D-MI), Ranking Member of the Ways and Means Health Subcommittee, introduced the Medigap Consumer Protection Act of 2018. This legislation would provide a long overdue overhaul on Medigap’s consumer protections, ensuring that all beneficiaries, regardless of their age, disability, or any other pre-existing condition, have ease in accessing...

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  • Report Exposes Major Shortcomings in Medicare Plan Finder

    By on May 16, 2018

    Medicare beneficiaries and those becoming newly eligible for Medicare are repeatedly told to turn to the federal government’s Medicare Plan Finder (MPF) for unbiased, accurate information on Medicare coverage options. They are advised to go to this comparison tool to find their best coverage choices regarding Medicare fee-for-service, Medicare Advantage plans (Part C) and...

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  • How Does Medicare Work with Federal & Military Benefits?

    By on April 5, 2018

    Medicare coverage works differently with other kinds of insurance. Below is an explanation on how Medicare works with federal and military benefits. Point 1: Understand how Medicare works with Federal Employee Health Benefits. Non-military federal employees are often eligible for health insurance from Federal Employee Health Benefits (FEHB). If you continue to work as...

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