INSURANCE POLICY CHECK-LIST

INSURANCE POLICY CHECK-LIST


After reading this guide, you may find this check-list
useful in assessing the benefits provided by a Medigap policy
or in comparing policies.

POLICY I POLICY 2 POLICY 3

Does the policy cover: YES NO YES NO YES NO

Medicare Part A hospital deductible?

*Medicare Part A hospital daily coinsurance?

*Hospital care beyond Medicare's 150-day limit?

Skilled nursing facility (SNF) daily coinsurance?

SNF care beyond Medicare's limits?

Medicare Part B annual deductible?

*Medicare Part B coinsurance?

Physician and supplier charges in excess
of Medicare's approved amounts?

*Medicare blood deductibles?

Prescription drugs?


Other Policy Considerations


Can the company cancel or non-renew the policy?

What are the policy limits for covered services?

How much is the annual premium?

How often can the company raise the premium?

How long before existing health problems are covered?

Does the policy have a waiting period before any
benefits will be paid? How long?


* Most states now require that these benefits be included in
all newly issued Medigap policies.


NOTES


DIRECTORY OF STATE INSURANCE DEPARTMENTS AND AGENCIES ON AGING


Each state has its own laws and regulations governing all
types of insurance. The insurance offices listed in the left
column of this directory are responsible for enforcing these
laws, as well as providing the public with information about
insurance. The agencies on aging, listed in the right column,
are responsible for coordinating services for older Americans.
The middle column of the directory lists the telephone number
to call for insurance counseling services. Calls to an 800
number listed in this directory are free when made within the
respective state.

[Table Omitted]



U.S. Department of Health and Human Services
Health Care Financing Administration
6325 Security Boulevard
Baltimore, Maryland 21207

HCFA ICN 003622
SSA ICN 002795