STATE OF MARYLAND MARYLAND INSURANCE ADMINISTRATION 525 ST. PAUL PLACE, BALTIMORE, MARYLAND Facsimile Number:
|
|
- Rosalind Dixon
- 8 years ago
- Views:
Transcription
1 ROBERT L. EHRLICH, JR. GOVERNOR ALFRED W. REDMER, JR. COMMISSIONER MICHAEL S. STEELE LIEUTENANT GOVERNOR JAMES V. MCMAHAN, III DEPUTY COMMISSIONER STATE OF MARYLAND MARYLAND INSURANCE ADMINISTRATION 525 ST. PAUL PLACE, BALTIMORE, MARYLAND Facsimile Number: List of Brochures To request a copy of any of the listed brochures, please check the appropriate boxes and provide the following: Name: Address: Phone No.: Return the completed form to the Maryland Insurance Administration vendor or send it to: Maryland Insurance Administration Consumer Education and Advocacy Unit 525 St. Paul Place Baltimore, Maryland Phone: (410) Toll-Free: (800) Facsimile: (410) *Available on our website, Note: The brochures are listed under the name of the agency that produced them. General Information Insurance Help for Maryland Consumers* Maryland Insurance Administration Consumer Outreach Opportunities* Premium Finance Company Directory* Where to Find Insurance Company Ratings* Consumer Alert Get Smart About Your Insurance Coverage Consumer Alert Avoid Deceptive Sales Practices Consumer Alert Protect Yourself: Buying Insurance on the Internet Get Smart About Insurance
2 Health Insurance Carriers Providing Coverage in the Individual Health Market* HMOs Certified to Operate in Maryland* Health Carriers for Small Employers (with Sample Premiums)* Life and Health Bulletin Maryland Continuation Coverage Annual Premiums for Medicare Supplement Policies* Companies with Approved Individual Medicare Supplement Policies in Maryland* Discount Medical and Prescription Plans* What Consumers Need to Know About Medical Discount Plans* Frequently Asked Questions: Why is Health Insurance So Expensive?* Frequently Asked Questions: How Can I Find Individual Health Insurance?* Frequently Asked Questions: What is Open Enrollment? Can I Enroll in My Health Plan at Work After Open Enrollment?* Frequently Asked Questions: I m Leaving my Job. How Do I Keep My Health Insurance?* Frequently Asked Questions: I Just Got Divorced. May I Stay on My Ex-Spouse s Insurance Policy?* Frequently Asked Questions: My COBRA Coverage is Ending. What Can I Do?* Frequently Asked Questions: My Health Claim was Denied. What Should I Do?* Frequently Asked Questions: Why Doesn t my Health Plan Cover All Mandated Benefits?* Frequently Asked Questions: Can a newborn be added to my health plan and how long can my child stay on my health plan?* Frequently Asked Questions: Can a health insurance company refuse to give me an insurance policy because of a past medical condition?* What Options are Available to Maryland Consumers to Pay for Medical Care* Maryland s Mandated Benefits* Questions to Ask When Shopping for Health Care Coverage* Tips for Shopping for Health Care Coverage* State and Federal Health Agencies and Programs (This is a list of other state and federal agencies that can assist citizens with their health insurance needs and related health issues.)* 2. Maryland Health Care Commission (MHCC) Measuring the Quality of Maryland HMOs and POS Plans: Consumer Guide* A Guide to Purchasing Health Insurance for Small Employers Maryland s Comprehensive Standard Health Benefit Plan for Small Businesses What is the Maryland Health Insurance Plan (MHIP)? 3. National Association of Insurance Commissioners (NAIC) Consumer Alert Protect Yourself Against Illegal Health Plans 4. U.S. Department of Labor Pension and Welfare Benefits Administration Health Benefits Under the Consolidated Budget Reconciliation Act COBRA 5. U.S. Department of Labor Employee Benefits Security Administration
3 Health Coverage Portability Health Insurance Portability and Accountability Act of 1996 (HIPAA) 6. U.S. Department of Health and Human Services Centers for Medicare and Medicaid Services* Medicare and You Your Medicare Rights and Protections Choosing a Medicare Health Plan {* developed jointly with the Agency for Healthcare Research and Quality} Guide to Choosing a Medicare-Approved Drug Discount Card Choosing a Medigap Policy A Guide to Health Insurance for People with Medicare {*developed jointly with the National Association of Insurance Commissioners (NAIC)} 7. U.S. Department of Health and Human Services Health Care Financing Administration Medicare and Your Mental Health Benefits Protecting Your Health Insurance Coverage Dental Insurance Dental Plans Licensed in Maryland* Dental Plan Organizations with Approved Individual Policies* Long-Term Care Companies with Approved Individual Long-Term Care Insurance Policies in Maryland* Consumer Tips for Purchasing Long-Term Care Insurance* A Shopper s Guide to Long-Term Care Insurance Consumer Alert Long Term Care Insurance Fact Sheet 3. U.S. Department of Health and Human Services Centers for Medicare and Medicaid Services* Choosing Long-Term Care {*developed jointly with the Agency for Healthcare Research and Quality}
4 Life Insurance Selling Your Life Insurance Policy Understanding Viatical Settlements* Finding Missing Life Insurance Policies* Group Life Insurance Terminations: Frequently Asked Questions* Consumer Alert Tips for Buying Life Insurance Life Insurance Buyer s Guide Variable Annuities 1. United States Securities and Exchange Commission Variable Annuities What You Should Know Automobile Insurance 1. Maryland Insurance Administration A Comparison Guide for Maryland Auto Insurance Rates* Consumer s Guide to Auto Insurance in Maryland* Consumer Alert Tips for Saving on Your Auto Insurance Consumer Alert Protect Yourself: Insuring Your Teen Driver 3. Maryland Office of the Attorney General Keep Auto Repair from Being a Wrenching Experience* Homeowners / Renters Insurance A Comparison Guide for Maryland Homeowners Insurance Rates* Consumer s Guide to Homeowner s Insurance* Where Do I Get Lead Protection? A Guide for Landlords* Consumer Alert Tips for Saving on Your Homeowners Insurance Consumer Alert Renters Insurance: To Purchase or Not to Purchase
5 Flood Insurance Facts About the National Flood Insurance Program* Frequently Asked Questions About Insurance Coverage After Storm Damage* Why You Should Consider Purchasing Flood Insurance 2. National Flood Insurance Program (NFIP) / Federal Emergency Management Agency (FEMA) Flood Insurance Information for Prospective Buyers Flood Insurance Coverage Top 10 Facts that Maryland Consumers Should Know About the National Flood Insurance Program (NFIP) Myths and Facts About Flood Insurance Insurance Fraud Insure Yourself a Place of Residence Commit Insurance Fraud 2. National Insurance Crime Bureau (NICB) Insurance fraud artists and vehicle thieves steal billions of dollars from hardworking Americans every year.
List of Brochures [MIA-GE-3] To request a copy of any of the listed brochures, please check the appropriate boxes and provide the following:
LARRY HOGAN Governor BOYD K. RUTHERFORD Lt. Governor AL REDMER, JR. Commissioner NANCY GRODIN Deputy Commissioner JOY HATCHETTE Associate Commissioner Consumer Education and Advocacy 200 St. Paul s Place,
More informationBulletin 15-04. Date: January 23, 2015. All P&C Insurance Companies, The Maryland Automobile Insurance Fund and The Joint Insurance Association
LAWRENCE J. HOGAN, JR. Governor BOYD K. RUTHERFORD Lt. Governor AL REDMER, JR. Commissioner NANCY GRODIN Deputy Commissioner JOY HATCHETTE Associate Commissioner Consumer Education and Advocacy Date: January
More informationInsurance administration
Insurance Administration A CONSUMER GUIDE TO INSURANCE NEEDS FOR SENIORS & EMPTY NESTERS INSURANCE ADMINISTRATION Table of Contents About Insure U 1 Empty Nesters / Seniors Considerations 1 Who We Are
More informationM a r y l a n d L o n g - T e r m C a r e I n s u r a n c e P a r t n e r s h i p P r o g r a m
A C o n s u m e r G u i d e t o t h e M a r y l a n d L o n g - T e r m C a r e I n s u r a n c e P a r t n e r s h i p P r o g r a m INSURANCE ADMINISTRATION T a b l e o f C o n t e n t s Who We Are...................................................
More informationHow To Continue Health Insurance Coverage In Illinois
Illinois Insurance Facts Illinois Department of Insurance Health Insurance Continuation Rights (mini-cobra) The Illinois Law Updated July 2014 Note: This information was developed to provide consumers
More informationHealth Insurance and Women
Health Insurance and Women Q: What is health insurance? A: Health insurance is a formal agreement to provide and/or pay for medical care. The health insurance policy describes what medical services are
More informationFrequently Asked Questions about Health Insurance Rates and the Maryland Insurance Administration s Rate Review Process
MARTIN O MALLEY Governor ANTHONY G. BROWN Lt. Governor THERESE M. GOLDSMITH Commissioner KAREN STAKEM HORNIG Deputy Commissioner JOY HATCHETTE Associate Commissioner Consumer Education and Advocacy 200
More informationBULLETIN 04-6. Presidents, Insurers Domiciled in California and Massachusetts that Write Workers' Compensation Business in Maryland
ROBERT L. EHRLICH, JR. GOVERNOR ALFRED W. REDMER, JR. COMMISSIONER MICHAEL S. STEELE LIEUTENANT GOVERNOR JAMES V. MCMAHAN, III DEPUTY COMMISSIONER STATE OF MARYLAND MARYLAND INSURANCE ADMINISTRATION 525
More informationMARYLAND LONG-TERM CARE INSURANCE PARTNERSHIP PROGRAM
A CONSUMER GUIDE TO THE MARYLAND LONG-TERM CARE INSURANCE PARTNERSHIP PROGRAM INSURANCE ADMINISTRATION TABLE OF CONTENTS Who We Are...1 How We Help Consumers....1 What Is Long-Term Care?...2 How Much Does
More informationHow To Buy Long Term Care Insurance In Marriane
A Consumer Guide to the Maryland Long-Term Care Insurance Partnership Program INSURANCE ADMINISTRATION Table of Contents Who We Are 1 How We Help Consumers 1 What Is Long-Term Care? 2 How Much Does Long-Term
More informationIllinois Insurance Facts Health Insurance Continuation Rights -- COBRA. Illinois Department of Insurance
Illinois Insurance Facts Health Insurance Continuation Rights -- COBRA Illinois Department of Insurance Updated July 2014 Note: This information was developed to provide consumers with general information
More informationIllinois Insurance Facts Health Insurance Continuation Rights Dependent Children. Illinois Department of Insurance
Illinois Insurance Facts Health Insurance Continuation Rights Dependent Children Illinois Department of Insurance Revised July 2014 Note: This information was developed to provide consumers with general
More informationSTATE OF MARYLAND MARYLAND INSURANCE ADMINISTRATION 525 St. Paul Place, Baltimore, Maryland 21202-2272
ROBERT L. EHRLICH, JR. GOVERNOR ALFRED W. REDMER, JR. COMMISSIONER MICHAEL S. STEELE LIEUTENANT GOVERNOR JAMES V. MCMAHAN, III DEPUTY COMMISSIONER P. RANDI JOHNSON ASSOCIATE COMMISSIONER P&C STATE OF MARYLAND
More informationThe Pennsylvania Insurance Department s. Your Guide to Choosing a MEDIGAP POLICY. Understanding Medigap
Your Guide to Choosing a MEDIGAP POLICY Understanding Medigap Medigap is private health insurance designed to help pay healthcare costs that aren t covered by Medicare. Each Medigap plan covers different
More informationDeciding Whether to Elect COBRA Health Care Continuation Coverage After Enactment of HIPAA INTRODUCTION
Deciding Whether to Elect COBRA Health Care Continuation Coverage After Enactment of HIPAA Notice 98-12 INTRODUCTION A key decision that millions of Americans face each year is whether to elect COBRA 1
More informationSUMMARY OF INSURANCE LAWS ENACTED BY THE 2013 MARYLAND GENERAL ASSEMBLY
OF INSURANCE LAWS ENACTED BY THE 2013 MARYLAND GENERAL ASSEMBLY 2013 HOUSE BILLS HB 228 Ch. 159 HB 342 Ch. 270 SB 446 Ch. 269 HB 348 Ch. 98 HB 354 Ch. 103 HB 360 Ch. 106 HB 361 Ch. 368 HB 370 Ch. 226 SB
More informationGuide to Purchasing Health Insurance
Guide to Purchasing Health Insurance What are your health insurance choices? Which type is right for you? Sample questions Looking for insurance in specific situations Tips for shopping for health coverage
More informationHealth. The Instant Insurance Guide: Information for Consumers in Delaware
The Instant Insurance Guide: Health Information for Consumers in Delaware Karen Weldin Stewart, CIR-ML Delaware s Insurance Commissioner 1-800-282-8611 www.delawareinsurance.gov Insurance Words and Terms
More informationSHIBA. Statewide Health Insurance Benefits Advisors. Medicare, Health Insurance, & the Affordable Care Act Updates for Summer 2013
SHIBA Statewide Health Insurance Benefits Advisors Medicare, Health Insurance, & the Affordable Care Act Updates for Summer 2013 Liz Mercer Regional Trainer Sponsored by the: 8/8/2013 1 Today s overview
More informationWhat is a Medicare Advantage Plan?
CENTERS FOR MEDICARE & MEDICAID SERVICES What is a Medicare Advantage Plan? A Medicare Advantage Plan (like an HMO or PPO) is a way to get your Medicare benefits. Unlike Original Medicare, in which the
More informationYour Right to HealthCare Coverage When Leaving or Switching Jobs
Your Right to HealthCare Coverage When Leaving or Switching Jobs Part of PHLP s Healthcare For Workers Publication Series A Consumer s Guide to Accessing Health Care Through Employment Copyright 2007 The
More informationInsurance administration
Insurance Administration A CONSUMER GUIDE TO INSURANCE NEEDS FOR YOUNG FAMILIES INSURANCE ADMINISTRATION Table of Contents About Insure U 1 Young Families Considerations 1 Who We Are 2 Resources for Maryland
More informationCan I Lose My Job if I Don't Have Health Insurance?
2 CHAPTER 2 M illions of Americans depend on health insurance to help pay their medical costs. If you have chronic kidney disease (CKD), you may depend on health insurance even more and worry about what
More informationINDIVIDUAL (NON-GROUP) POLICIES
CHAPTER 3 INDIVIDUAL (NON-GROUP) POLICIES What are they? Who are they for? How to obtain coverage INTRODUCTION An individual health insurance policy is one that is purchased outside a group setting. (Most
More informationIllinois Department of Insurance Illinois Insurance Facts Civil Unions and Insurance Benefits
Illinois Department of Insurance Illinois Insurance Facts Civil Unions and Insurance Benefits May 2011 Note: This information was developed to provide consumers with general information and guidance about
More informationWhat s Medicare? What are the different parts of Medicare?
Revised June 2014 What s Medicare? Medicare is health insurance for: People 65 or older People under 65 with certain disabilities People of any age with End-Stage Renal Disease (ESRD) (permanent kidney
More informationPaperwork Reduction Act statement
Instructions: Massachusetts-Specific Model COBRA Continuation Coverage Election Notice For use by Massachusetts Employers and Employees The Department of Labor has developed a model Consolidated Omnibus
More informationVirginia Medigap Policies Premium Comparison Guide
Virginia Medigap Policies Premium Comparison Guide Prepared by Commonwealth of Virginia State Corporation Commission July, 2010 This consumer s Guide should be used for educational purposes only. Nothing
More informationMEDICARE SUPPLEMENT INSURANCE
Illinois Insurance Facts Illinois Department of Insurance Rev Feb 2014 MEDICARE SUPPLEMENT INSURANCE What is Medicare? Medicare is a federal health insurance program for people 65 or older, some people
More informationImportant Laws and Notices
Newborn & Mothers Health Protection Act Under Federal law, group health plans and health insurance issuers offering group health insurance coverage generally may not restrict benefits for any hospital
More informationChoosing the Right Insurance For Your Life s Stages
Choosing the Right Insurance For Your Life s Stages The Financial Planning Association (FPA ) is the leadership and advocacy organization connecting those who provide, support and benefit from professional
More informationSHICK Senior Health Insurance Counseling For Kansas. Medicare Options
SHICK Senior Health Insurance Counseling For Kansas Medicare Options What is Medicare? Federal health insurance that covers some medical costs if you: Are age 65 or over Are under age 65 with some disabilities
More informationA CONSUMER GUIDE TO ANNUITIES INSURANCE ADMINISTRATION
A CONSUMER GUIDE TO ANNUITIES INSURANCE ADMINISTRATION TABLE OF CONTENTS Who We Are...1 How We Help Consumers....1 Resources For Consumers...2 What Is An Annuity?....2 Five Basic Questions For Understanding
More informationWhat s a Medicare Advantage Plan?
Revised April 2015 What s a Medicare Advantage Plan? You can get your Medicare benefits through Original Medicare, or a Medicare Advantage Plan (like an HMO or PPO). If you have Original Medicare, the
More informationHow to be a smart shopper for Medigap Insurance
info sheet Medicare is the basic federal health insurance for older persons and for younger people with disabilities. Because Medicare has gaps in coverage, many people also buy a Medigap policy to supplement
More informationCommonwealth of Massachusetts. Health Plans for Individuals and Small Groups in Massachusetts. Consumer Information Guide
Commonwealth of Massachusetts Health Plans for Individuals and Small Groups in Massachusetts Consumer Information Guide 1 If you live in Massachusetts and you are age 18 or over, you must have a health
More informationVirginia Medigap Policies Premium Comparison Guide
Virginia Medigap Policies Premium Comparison Guide Prepared by Commonwealth of Virginia State Corporation Commission This consumer s Guide should be used for educational purposes only. Nothing in this
More informationConsumer Guide to. Health Insurance. Oregon Insurance Division
Consumer Guide to Health Insurance Oregon Insurance Division The Department of Consumer and Business Services, Oregon s largest business regulatory and consumer protection agency, produced this guide.
More informationA CONSUMERS GUIDE TO INDIVIDUAL HEALTH INSURANCE IN ARIZONA
A CONSUMERS GUIDE TO INDIVIDUAL HEALTH INSURANCE IN ARIZONA Published by the Arizona Department of Insurance Janet Napolitano, Governor Charles R. Cohen, Director of Insurance August 2003 1 Table of Contents
More informationIf you decide to retire or have been laid off from your job before you turn 65 and you are not yet eligible for Medicare, what do you do?
CONTENTS Health Insurance Considerations for Empty Nesters Medicare Considerations Long-Term Care Insurance Considerations Health Insurance Considerations for All Life Situations Disability Insurance Considerations
More informationGuide to Finding Health Insurance Coverage
Guide to Finding Health Insurance Coverage New Jersey Are you uninsured? You are not alone. Millions of Americans are without health insurance. Some lost their insurance when they lost their jobs. Others
More informationEffective Date: The date on which coverage under an insurance policy begins.
Key Healthcare Insurance Terms Agent: A person who represents an insurance company and solicits or sells the company s insurance products. An agent may represent a single company or multiple companies.
More informationState Group Insurance Program. Continuing Insurance at Retirement
State Group Insurance Program Continuing Insurance at Retirement State and Higher Education January 2015 If you need help... For additional information about a specific benefit or program, refer to the
More informationGeneral Notice. COBRA Continuation Coverage Notice (and Addendum)
University Human Resources Benefits Office 3810 Beardshear Hall Ames, Iowa 50011-2033 515-294-4800 / 1-877-477-7485 Phone 515-294-8226 FAX General Notice And COBRA Continuation Coverage Notice (and Addendum)
More informationHow do Medicare Advantage Plans work?
74 Section 5 Get Information about Your Medicare Health Coverage Choices How do Medicare Advantage Plans work? Can I get my health care from any doctor, other health care provider, or hospital? Are prescription
More informationGuide to Finding Health Insurance Coverage
Guide to Finding Health Insurance Coverage Are you uninsured? You are not alone. Millions of Americans are without health insurance. Some lost their insurance when they lost their jobs. Others work hard,
More informationMEDICARE Medigap-PFFS-Long-Term Care Insurance
MEDICARE Medigap-PFFS-Long-Term Care Insurance Medicare is a health insurance program for persons age 65 and older, people who have received Social Security Disability benefits for 24 consecutive months,
More informationA Consumer Guide to. Life insurance INSURANCE ADMINISTRATION
A Consumer Guide to Life insurance INSURANCE ADMINISTRATION Table of Contents Who We Are...1 How We Help Consumers....1 Resources for Consumers...2 Life Insurance Basics...2 The Need for Life Insurance...2
More informationSCHOOL CATALOG 2015 1
SCHOOL CATALOG 2015 1 TABLE OF CONTENTS SCHOOL INFORMATION PAGE 3 OFFICE HOURS PAGE 3 HOLIDAYS AND OTHER DATES OF IMPORTANCE PAGE 3 OWNERS AND OFFICIALS PAGE 3 ADMINISTRATIVE AND INSTRUCTIONAL STAFF PAGE
More informationGuide to Finding Health Insurance Coverage
Guide to Finding Health Insurance Coverage Georgia Are you uninsured? You are not alone. Millions of Americans are without health insurance. Some lost their insurance when they lost their jobs. Others
More informationGuide to Finding Health Insurance Coverage
Guide to Finding Health Insurance Coverage New Hampshire Are you uninsured? You are not alone. Millions of Americans are without health insurance. Some lost their insurance when they lost their jobs. Others
More informationHealth Insurance. INSURANCE FACTS for Pennsylvania Consumers. A Consumer s Guide to. 1-877-881-6388 Toll-free Automated Consumer Line
INSURANCE FACTS for Pennsylvania Consumers A Consumer s Guide to Health Insurance 1-877-881-6388 Toll-free Automated Consumer Line www.insurance.pa.gov Pennsylvania Insurance Department Website Increases
More informationEmpty Nesters/ Seniors Considerations. I. Auto Insurance 401 Page 2. II. Home Insurance 401 Page 3. III. Life Insurance 401 Pages 4 5
Empty Nesters/ Seniors Considerations As an empty nester whose children have recently left home or a senior citizen, you re probably familiar with the basic facts about insurance. However, your needs at
More informationFrequently Asked Questions
Frequently Asked Questions What is Covered California? What is Obamacare? Are they the same? What is the Medi-Cal program? Who can buy health insurance through Covered California? When will I be able to
More informationHow To Get Health Insurance For Free
Executive Summary: New Health Insurance Solutions for Individuals, Families, Self-Employed, and Businesses Two basic solutions apply to most readers of this book. New Solution #1 Individual/family health
More informationPRELIMINARY LIFE INSURANCE APPRAISAL REQUEST
PRELIMINARY LIFE INSURANCE APPRAISAL REQUEST INSURED INFORMATION (If more than one insured, please duplicate this page and complete for each insured.) Name SSN Current Address Date of Birth Day Telephone
More informationpersonal SAFEkeeper Hills Bank and Trust Company Notes: Credit and Debit Checklist Include in your personal SAFEkeeper
Credit and Debit Checklist Review your credit report annually to be sure it is accurate. You are entitled to one free credit report annually, which can be obtained at www.annualcreditreport.com. Contact
More informationHEALTH INSURANCE. Types of Health Plans and How They Operate. Reimbursement and Fixed Allowance Insurance Plans (Department of Insurance Jurisdiction)
HEALTH INSURANCE Illness for non-work related injuries can be financial devastating. Insurance can help protect against disastrous health care expenses and lost wages. If you have a job, your employer
More informationAn Important Message on Medicare Prescription Drug Plans Coming to the U.S. Virgin Islands in 2006
An Important Message on Medicare Prescription Drug Plans Coming to the U.S. Virgin Islands in 2006 What are Medicare Prescription Drug Plans? Beginning January 1, 2006, Medicare Prescription Drug Plans
More informationBulletin: Property and Casualty 04-21 TO: ALL PROPERTY & CASUALTY INSURERS WRITING COMMERCIAL LINES INSURANCE PRODUCTS
ROBERT L. EHRLICH, JR. GOVERNOR MICHAEL S. STEELE LIEUTENANT GOVERNOR ALFRED W. REDMER, JR. COMMISSIONER JAMES V. MCMAHAN, III DEPUTY COMMISSIONER P. RANDI JOHNSON ASSOCIATE COMMISSIONER PROPERTY AND CASUALTY
More informationGuide to Counseling on Employer- Sponsored Health Coverage
Guide to Counseling on Employer- Sponsored Health Coverage February 2012 Table of Contents Introduction... 1 Assessing Current Health Coverage and Needs... 2 Understanding Employer-Sponsored Group Health
More informationGuide to Finding Health Insurance Coverage
Guide to Finding Health Insurance Coverage Idaho Are you uninsured? You are not alone. Millions of Americans are without health insurance. Some lost their insurance when they lost their jobs. Others work
More informationNCDOI Provider and Consumer Assistance 1-855-408-1212 9/22/2015. Consumer Assistance Group
NCDOI Provider and Consumer Assistance 1-855-408-1212 Kathy Shortt, Deputy Commissioner Consumer Services Division, NCDOI Consumer Assistance Group Seniors Health Insurance Information Program (SHIIP)
More informationINSURANCE DICTIONARY
INSURANCE DICTIONARY Actuary An actuary is a professional who uses statistical data to assess risk and calculate dividends, financial reserves, and insurance premiums for a business or insurer. Agent An
More informationCity of New York Health Benefits Program Frequently Asked Questions for Retirees
City of New York Health Benefits Program Frequently Asked Questions for Retirees UPON YOUR RETIREMENT YOU WILL BE ENROLLED FOR HEALTH BENEFITS ON THE FIRST DAY OF YOUR RETIREMENT PROVIDED YOUR APPLICATION
More informationA Consumer s Guide to...
A Consumer s Guide to... Selling Your Life Insurance Policy What You Should Know About Viatical and Life Settlements Paul R. LePage Governor Eric Cioppa Superintendent Table of Contents Definitions Get
More informationJob Dislocation: Making Smart Financial Choices after a Job Loss
Investor Education Series Investor Alert Key Topics: Job Loss Plant Closing Layoffs Investment Fraud Health Insurance/Cobra 401(k) Hardship Withdrawals what s inside Making Smart Financial Choices after
More informationA Consumer Guide to. Insurance Fraud INSURANCE ADMINISTRATION
A Consumer Guide to Insurance Fraud INSURANCE ADMINISTRATION Table of Contents Introduction...1 Insurance Fraud....1 What Is Insurance Fraud?...2 Consequences of Insurance Fraud....................................
More informationChapter 22. Buying Insurance
Chapter 22 Buying Insurance Section 1 Insurance Basics I will be able to list some ways to lower insurance costs. The Language of Insurance 1. Insurance policy Policyholder 2. Insurance coverage Exclusions
More informationHealth insurance coverage for individuals and families
Health insurance coverage for individuals and families Health care reform is here. If it seems like information is coming at you from all directions, it probably is. But just because it s a hot topic of
More informationUNDERSTANDING HEALTH INSURANCE TERMINOLOGY
UNDERSTANDING HEALTH INSURANCE TERMINOLOGY The information in this brochure is a guide to the terminology used in health insurance today. We hope this allows you to better understand these terms and your
More informationWisconsin Guide to Health Insurance for People with Medicare
Wisconsin Guide to Health Insurance for People with Medicare 2015 For more information on health insurance call: MEDIGAP HELPLINE 1-800-242-1060 This is a statewide toll-free number set up by the Wisconsin
More informationA Consumer Guide to. life insurance INSURANCE ADMINISTRATION
A Consumer Guide to life insurance INSURANCE ADMINISTRATION Table of Contents Who We Are 1 How We Help Consumers 1 Resources for Consumers 2 Life Insurance Basics Who Needs Life Insurance? 2 How Much Do
More informationGuide to Finding Health Insurance Coverage
Guide to Finding Health Insurance Coverage Are you uninsured? You are not alone. Millions of Americans are without health insurance. Some lost their insurance when they lost their jobs. Others work hard,
More informationERISA PLANS INTRODUCTION
CHAPTER 11 ERISA PLANS What is it? ERISA, the federal Employee Retirement and Income Security Act, was enacted in 1974, largely to regulate employee pension funds. Although the law was originally enacted
More informationDialysis and Financial Resales - A Social Worker's Guide
7 CHAPTER 7 A Summar y o f H e l p f u l P r o g r a m s and Financial Resour ces T his chapter brings together information on key support programs and financial resources available to people with chronic
More informationHIPAA Portability & Accountability: How HIPAA Affects Individual Coverage
HIPAA Portability & Accountability: How HIPAA Affects Individual Coverage The Health Insurance Portability and Accountability Act of 1996, known as HIPAA, affects the way state and federal governments
More informationA Consumer Guide to. Insurance Fraud INSURANCE ADMINISTRATION
A Consumer Guide to Insurance Fraud INSURANCE ADMINISTRATION Table of Contents Introduction...1 Insurance Fraud....1 What Is Insurance Fraud?...2 Consequences of Insurance Fraud....................................
More informationHealth Insurance Coverage
Protecting Your Health Insurance Coverage This booklet explains... Your rights and protections under recent Federal law How to help maintain existing coverage Where you can get more help For additional
More informationGuide to Finding Health Insurance Coverage
Guide to Finding Health Insurance Coverage Florida Are you uninsured? You are not alone. Millions of Americans are without health insurance. Some lost their insurance when they lost their jobs. Others
More informationGuide to Finding Health Insurance Coverage
Guide to Finding Health Insurance Coverage Are you uninsured? You are not alone. Millions of Americans are without health insurance. Some lost their insurance when they lost their jobs. Others work hard,
More information2006 Choosing a Medigap Policy:
CENTERS FOR MEDICARE & MEDICAID SERVICES 2006 Choosing a Medigap Policy: A Guide to Health Insurance for People With Medicare This official government guide can help you Learn what a Medigap (Medicare
More informationA CONSUMER GUIDE TO LIFE INSURANCE INSURANCE ADMINISTRATION
A CONSUMER GUIDE TO LIFE INSURANCE INSURANCE ADMINISTRATION TABLE OF CONTENTS Who We Are...1 How We Help Consumers....1 Resources for Consumers...2 Life Insurance Basics...2 The Need for Life Insurance...2
More informationUnderstanding the ObamaCare Health Insurance Plans in North Carolina Understanding Insurance and Affordable Care Act Terminology: ACA- Marketplace
Understanding the ObamaCare Health Insurance Plans in North Carolina As a result of the Affordable Care Act (a.k.a. ObamaCare) the following provisions are now in place for health insurance policies with
More informationHEALTH CARE REFORM FREQUENTLY ASKED QUESTIONS
HEALTH CARE REFORM FREQUENTLY ASKED QUESTIONS Consumers When will the health care reform law take effect? The health insurance reforms adopted as part of the Patient Protection and Affordable Care Act
More informationIowa. Homeowner s and Renter s Insurance Shopper s Guide. Iowa Insurance Division. Compare quotes by location and coverage amount
2012 Iowa Homeowner s and Renter s Insurance Shopper s Guide Compare quotes by location and coverage amount Frequently asked questions Iowa Insurance Division Homeowner s and Renter s Insurance Shopper
More informationDepartment of Insurance
I. INTERNAL SCAN Department of Insurance The Utah Insurance Department() was created to ensure the solidity of insurers doing business in Utah; ensure that policyholders, claimants and insurers are treated
More informationExploring Your Healthcare Benefits Through LACERA. Retiree Healthcare Administrative Guidelines
Exploring Your Healthcare Benefits Through LACERA Retiree Healthcare Administrative Guidelines To Los Angeles County Retirees: Welcome to retirement! This is an important transition in your life you now
More informationWebinar: Medicare Supplement Insurance. June 19, 2015 1
Webinar: Medicare Supplement Insurance June 19, 2015 1 MMW work is supported by grants from: The Chicago Community Trust Michael Reese Health Trust The Retirement Research Foundation 2 Who We Are: Leadership
More informationCOBRA COVERAGE NOTICE
ARIZONA DEPARTMENT OF ADMINISTRATION COBRA COVERAGE NOTICE COBRA coverage is available when a qualifying event occurs that would result in a loss of coverage under the health plan, such as end of employment,
More informationBasic COBRA Facts. Coverage and eligibility
Basic COBRA Facts Overview Facts about COBRA coverage, eligibility, and rights and responsibilities of COBRA participants. Coverage and eligibility Qualifying events and length of coverage Responsibilities
More informationContinuation of. Health Insurance Benefits
Continuation of Health Insurance Benefits 1 Consolidated Omnibus Budget Reconciliation Act (COBRA) Coverage may be continued for up to 18 months through COBRA for the same or reduced coverage You will
More informationVirginia HEALTH Insurance Consumer s Guide
Virginia HEALTH Insurance Consumer s Guide Prepared by State Corporation Commission Bureau of Insurance www.scc.virginia.gov/boi Virginia HEALTH Insurance Consumer s Guide Prepared by This Consumer s Guide
More informationDoris Irvine 1-877-310-6560 BUREAU OF INSURANCE STATE CORPORATION COMMISSION COMMONWEALTH OF VIRGINIA
Doris Irvine 1-877-310-6560 BUREAU OF INSURANCE STATE CORPORATION COMMISSION COMMONWEALTH OF VIRGINIA 1300 EAST MAIN STREET (23219) P.O. BOX 1157 (23218) RICHMOND, VA 4/09 State Corporation Commission
More informationHow To Get More Coverage With A Medicare Supplement Insurance Policy
Understanding Your Medicare Coverage Options With information on how to increase your coverage with a Medicare Supplement insurance policy We are not connected with or endorsed by the U.S. Government or
More informationWisconsin Guide to Health Insurance for People with Medicare
Wisconsin Guide to Health Insurance for People with Medicare 2015 For more information on health insurance call: MEDIGAP HELPLINE 1-800-242-1060 This is a statewide toll-free number set up by the Wisconsin
More informationA Consumer Guide to. Insurance Fraud INSURANCE ADMINISTRATION
A Consumer Guide to Insurance Fraud INSURANCE ADMINISTRATION Table of Contents Introduction...1 Insurance Fraud....1 What Is Insurance Fraud?...2 Consequences of Insurance Fraud....................................
More informationRetiree Considerations Medicare 101. June 26, 2012
Retiree Considerations Medicare 101 June 26, 2012 Agenda Goal: Present information regarding Medicare and related products to assist you in evaluating options Key Topics: Eligibility Rules Enrollment Rules
More informationHEALTH INSURANCE OPTIONS FOR PEOPLE ON MEDICARE DUE TO DISABILITY
HEALTH INSURANCE OPTIONS FOR PEOPLE ON MEDICARE DUE TO DISABILITY io n a He Pro gram Seniors SHIIP lth at Ins urance Inform North Carolina Department of Insurance Seniors Health Insurance Information Program
More informationSection 2: INDIVIDUALS WHO CURRENTLY HAVE
Section 2: INDIVIDUALS WHO CURRENTLY HAVE COVERAGE OR AN OFFER OF COVERAGE FROM THEIR EMPLOYER Section 2 covers enrollment issues for individuals who have coverage or an offer of coverage whether through
More information