Health Insurance

Results: 9

• Benefits Assistance (2)
  FT-1000

  Benefits Assistance

  FT-1000
  
  Programs that provide assistance for people who are having difficulty understanding and/or obtaining grants, payments, services or other benefits for which they are eligible. The programs may help people understand the eligibility criteria for benefits, the benefits provided by the program, the payment process and the rights of beneficiaries; provide consultation and advice; help them complete benefits application forms; negotiate on their behalf with benefits administration staff; and/or represent them in administrative processes or judicial litigation. Included are benefits counseling organizations that offer a range of advocacy services and legal aid programs that offer more formalized legal assistance.
• Health Care Discount Enrollment Programs (2)
  LH-6300.2400

  Health Care Discount Enrollment Programs

  LH-6300.2400
  
  Programs that offer discounts in the cost of medical, dental, vision, pharmaceutical and other health care services through an enrollment program for people wanting access to lower-cost health care delivery. Normally a stand-alone alternative to traditional health insurance, these programs may be offered by employers or purchased directly as a supplemental benefit package. The programs enlist providers that agree to offer their services at discount prices, enroll people who want the coverage, and issue discount cards and a provider list. The public gets a discount on covered health care at the point of service, providers increase their cash flow and avoid expenditures associated with processing insurance forms and the program itself gets revenue from enrollment fees.
• Health Insurance Information/Counseling (4)
  LH-3500

  Health Insurance Information/Counseling

  LH-3500
  
  Programs that offer information and guidance for people who need assistance in selecting appropriate health insurance coverage and which may also answer questions about health insurance benefits and help people complete insurance forms.
• Insurance Claims Assistance (1)
  FT-3900.3300

  Insurance Claims Assistance

  FT-3900.3300
  
  Programs that provide a variety of supportive services for individuals who need assistance in completing, filing and/or appealing decisions with regard to insurance claims and/or for organizations that need assistance in benefits administration.
• Insurance Complaints (1)
  DD-1500.4800

  Insurance Complaints

  DD-1500.4800
  
  Programs that accept and, where possible, attempt to resolve complaints regarding the licensing, services, unethical or improper conduct of personnel or other inappropriate business practices of companies that sell insurance or settle insurance claims.
• Medicaid (2)
  NL-5000.5000

  Medicaid

  NL-5000.5000
  
  A combined federal and state program administered by the state that provides medical benefits for individuals and families with limited incomes who fit into an eligibility group that is recognized by federal and state law. Each state sets its own guidelines regarding eligibility and services within parameters established at the federal level. Many people are covered by Medicaid, though within these groups, certain additional requirements must be met. Eligibility factors include people's age, whether they are pregnant, have a disability, are blind, or aged; their income and resources (like bank accounts, real property or other items that can be sold for cash); and whether they are U.S. citizens or lawfully admitted immigrants. Families who are receiving benefits through TANF and individuals who receive SSI as aged, blind and disabled are categorically eligible groups. The rules for counting a person's income and resources vary from state to state and from group to group. There are special rules for those who live in nursing homes, for people served under the Medicaid Waiver program, for people served by Program of All-Inclusive Care for the Elderly (PACE) programs and for children with disabilities living at home. Medicaid makes payments directly to a person's health care provider; and some recipients may be asked to pay a small part of the cost (co-payment) for some medical services. Most states have additional "state-only" programs to provide medical assistance for specified low-income persons who do not qualify for the Medicaid program.
• Medicare (4)
  NS-8000.5000

  Medicare

  NS-8000.5000
  
  A federally funded health insurance program administered by the Centers for Medicare & Medicaid Services (CMS) under the U.S. Department of Health and Human Services for people age 65 and older; for individuals with disabilities younger than age 65 who have received or been determined eligible for Social Security Disability benefits for at least 24 consecutive months; and for insured workers and their dependents who have end stage renal disease and need dialysis or a kidney transplant. As with ESRD, the 24-month waiting period is waived for disability beneficiaries diagnosed with Amyotrophic Lateral Sclerosis (ALS, also called Lou Gehrig's disease). Premiums, deductibles and co-payments or out-of-pocket costs apply to Medicare coverage for most people. Special programs that assist with paying some or all of these costs are available for low income individuals who qualify. Medicare has four parts, but not every Medicare beneficiary has every part. Medicare Part A (Hospital Insurance) covers inpatient hospital stays, care in a skilled nursing facility, hospice care and home health care that meets the program eligibility criteria. Medicare Part B (Medical Insurance) covers services from doctors and other health care providers, outpatient care, home health care, durable medical equipment, preventive services and more. Together, Medicare Part A and Part B are called Original Medicare. Medicare Part C enables private insurance companies to offer Medicare Advantage (MA) Plans under contract with CMS that provide all Part A and Part B benefits to plan enrollees. Medicare Advantage Plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans and Medicare Medical Savings Account Plans. Some plans offer extra benefits and services that aren't covered by Original Medicare, sometimes for an extra cost; and most (but not all) include Medicare prescription drug coverage. Medicare Part D (Medicare prescription drug coverage) is an optional benefit that helps beneficiaries cover the cost of prescription drugs. The plans are offered by insurance companies and other private companies approved by Medicare and add prescription drug coverage to Original Medicare, some Medicare Private-Fee-for-Service Plans and Medicare Medical Savings Account Plans.
• Social Security Retirement Benefits (1)
  NS-7000.8000

  Social Security Retirement Benefits

  NS-7000.8000
  
  A program administered by the Social Security Administration that provides monthly cash payments (sometimes called old-age insurance benefits) for people age 62 and older who are fully insured. Workers may retire at age 62 and receive a reduced benefit or may wait until age 65 and receive a full benefit. Benefit amounts depend upon wages earned and the number of quarters of coverage credited to the individual's Social Security record.
• Social Security Survivors Insurance (1)
  NS-8200.8000

  Social Security Survivors Insurance

  NS-8200.8000
  
  A program administered by the Social Security Administration that provides monthly cash benefits for the eligible survivors of workers covered under Social Security who have died. Survivors benefits amounts are figured as a percentage of the deceased worker's primary insurance amount.