Medigap Insurance: Strengthening Federal Standards : Hearing Before the Subcommittee on Medicare and Long-Term Care of the Committee on Finance, United States Senate, One Hundred First Congress, Second Session, on S. 2050, S. 2189, S. 2640, S. 2641, and S. 3020, September 14, 1990 |
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AARP Agency on Aging agent commissions Area Agency average number believe bill Blue Cross Chairman client commercial carriers CONGRE CONGRESS THE LIBRARY Consumers Union contacts per month cost counseling programs counseling sites County developed distributed among community elderly enforcement Federal Foster Higgins group policies health insurance counseling HICAP project hours per volunteer hours to HICAP Insurance Commissioners issue Kern County legal services legislation LIBRA LIBRARY OF CONGRESS loss ratio standards MAX BAUCUS Medi Medicaid Medicare beneficiaries Medicare Select Medicare supplement insurance Medicare supplement policy Medigap insurance Medigap market Medigap policies minimum loss ratios minimum standards NAIC model number of hours number of volunteers options percent planned activity level premium rates PRO-TECH problems proposal RARY regulatory require RESS Santa Senator DASCHLE Senator Pryor Senator ROCKEFELLER senior citizens simplification sumer Terri Kennedy Thank tion types U.S. SENATOR volunteer per month volunteers contributed Volunteers For FY WILENSKY
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Page 161 - President of the National Council of Senior Citizens (NCSC) . NCSC represents over five million older Americans nationwide through our 5,000 affiliated clubs and State Councils.
Page 171 - ... ratio should be. For many people, insurance policies and the language associated with insurance coverage are confusing. Private insurance is not unique in this regard; unfortunately the same is true for the Medicare program. It is complex and baffling to many seniors. Until we develop more streamlined systems, we have a responsibility to fund insurance counseling programs to assist seniors through the system. Some states have excellent programs that can be used as models. A small percentage of...
Page 69 - Medicare supplement insurance in helping the elderly meet the substantial health care expenses that Medicare does not reimburse. We share your interest in seeing that supplemental policies continue to offer fairly priced, ethically marketed protection, and that our policyholders are satisfied with their coverage. In that regard...
Page 70 - Unfair Method of Competition and Unfair and Deceptive Acts and Practices in the Business of Insurance statute.
Page 65 - Insurance departments have other sanction authority such as their agent licensing laws which also enable the state to issue fines, revoke licenses and publicize the results of disciplinary actions. We can well understand that in the wake of the repeal of the Medicare Catastrophic Health Insurance Act, the Congress is especially interested in Medicare supplement insurance and is considering legislation aimed at correcting marketing abuses and assuring that seniors receive fair value for their insurance...
Page 41 - Bold Stroke." Mr. SISK. Dr. Rowe, then, to make it as clear as possible, as I understand you, and I do not want to put words in your mouth, but you...
Page 64 - Thank you for the opportunity to testify. I will be pleased to answer any questions now or at any other time.
Page 142 - HICAP project saved the client $1 ,947 which would have been paid if HICAP had not intervened and an additional $1.542 which would have been paid if the second error had not been discovered. During March 1988, a lady with emphysema came into the HICAP project with a stack of Explanation of Medicare Benefits (BOMB) forms. On a few forms, Medicare had approved payment for oxygen and durable equipment; however, on others, both had been denied. The total amount denied was $1 ,177.
Page 143 - Hearing Officer. Early in May 1988, the participant received $949.60 (80%) from Medicare, and the HICAP Counselor assisted the client with the submission of a supplemental insurance claim. By the end of May, the client had received $227.40 from her insurance company. She was reimbursed a total of $1,177. • A HICAP client's husband had died of cancer. In addition to grieving her loss, the client had to contend with bills from 33 different providers. The local Counselor assisted the client by organizing...
Page 161 - ... represents over five million older Americans nationwide through our 5,000 affiliated clubs. The National Council was founded in 1961 to advocate for the passage of Medicare.