HEALTH INSURANCE IN LATVIA

Size: px
Start display at page:

Download "HEALTH INSURANCE IN LATVIA"

Transcription

1 HEALTH INSURANCE IN LATVIA Elina Tilta, Gaida Pettere At the present moment the health care system in Latvia is in transition period. During the Soviet time it was free of charge but at the present much of health care services is transferred to payable health care services that is the government institution doesn t assign money for this services and patient has to cover itself. Mention process is going slowly. Some years ago government municipalities covered 80 % of all expenses but now this coverage is 75% and part of them 25% had to be covered by patient himself. The basic model of health care in Latvia is: All territory of Latvia is divided into seven regions with one Sickness Fund. Every inhabitant of Latvia has to choose family doctor - internist (therapeutists). Every internist is working under some Sickness Fund. Therefore every inhabitant of Latvia is under any Sickness Fund. Number of family doctors is 966 in 2000 what are 4.0 per population. It is little part from all physicians working in Latvia (see Table No1). In the beginning of every year State distributes between Sickness Funds quotas in correspondence with number of population in every Sickness Fund. Further quotas are distributed between family doctors. Quotas are thought for some number free of charge manipulations (analyses, operations, visits to specialists). If quotas are used family doctor can sent his patents for further examinations or operations for money or he have to ask his patients to wait in queue while he will receive new quotas. Medical institutions later receive money in according to collected quotas by them. State is used large money for medical care (see Table 2) but the problem is very little solvency of

2 many Latvian inhabitants. For example, real wages for one people in Latvia is only 126% of the complete minimum consumer basket of goods and services but pension is only 69% of the complete minimum consumer basket of goods and services (see Figure 1). Therefore there are large queues for planned operations (at least half year before). This is moment, which would be favourable for insurance but problems are following: 1. antiselection for physical persons because people looking for insurance knows that they will need help of doctor in near future is about 80% of all cases, 2. state institutions are making many services possible only by money without previous information and claim expenses is growing for insurance companies, 3. it is pity to recognize but the control of doctors is not large enough and therefore about 30% of all claims are not based. Despite to all of that Health insurance market increases from year to year (see Appendix 4). The organization of Health insurance is following: Insurance companies have agreements with medical institutions. Medical institutions in the end of every month rapports to insurance company about services received by insured people. Insured people can receive free medical care only in these special medical institutions or they can pay themselves about services if they are agreed with family doctor and then receive money back from insurance company. Income replacement insurance doesn t exist because it is provided (Public) Social insurance. Long-term care insurance doesn t exist at all. At the present critical illness insurance doesn t exist too but will be provided in future. Health insurance products are divided in several levels and they are:

3 1. First and the most low-level policy (the most cheap, about 20 Lats) covers part of patient fee in an out-patient and in-patient institution. It means that insured take part in payments. 2. Second level policy (about 35 Lats) covers patient fee and patient copayment in an out-patient institution; and patient fee and patient copayment in an in-patient institution-hospital accommodation charges medicine and surgical fees. 3. Third level policy (about 45 Ls) covers the same of second level policy and additionally there is added coverage of special payable health care services or partly expenses about drugs. 4. Fourth level policy (about 50Ls) covers the same of second level policy and additionally there is added coverage of special payable health care services and partly expenses about drugs. 5. Fifth level policy (about 60Ls) covers the same of fourth level policy and additionally there is added coverage of additional facility services and basic dental program (partly payments about dental hygienist and ambulance service). 6. Sixth level policy (about 100 Ls) covers the same of fourth level policy and additionally there is added fully coverage of dental hygienist and partly covers dental service. 7. Seventh level policy (about 160 Ls) covers the same of fourth level policy and additionally there is added coverage of rehabilitation service and partly payments in different sports associations. 8. Eighth level policies are under wishes of every client (premium can be infinitely large, even about 500 Ls). To start from third level every client before buying insurance have to fill special form medical questionnaire.

4 To decrease claims paid out and anti selection all services have to be signed by family doctor. Generally, all policies have some days waiting period. Group insurance always have discount from any policy level. Until that time health insurance is working without actuary. The necessity of actuary can arise after some years if health care system fully becomes a private system fully paid by patent himself. That would mean large changes in health products and in premium calculations. References 1. Statistical Yearbook of Latvia, Central Statistical Bureau of Latvia, Riga 2000, 229 p. 2. Yearbook Insurance Private pension funds, Insurance Supervision Inspectorate, Riga 2000, 91 p

5 Appendix 1 Health Care Resources (2000) LATVIA Riga Number of hospitals (24)* Number of hospital beds per population (8371)* (110.2)* Number of physicians (including dentists) per population (2673)* 57.6 (35.2)* Number of personnel with secondary medical education (3684)* 83.6 (48.5)* per population Number of out-patient care institutions (304)* Appendix 2 Health Care Budget (2000) Indicator GDP, million US $ State health care budget, % of GDP 3.3 Health care purchasing budget of Riga sickness fund, million US $ 53,7

6 Appendix 3 Comparison of income and outcome of one average Latvian inhabitant Com parison ofincom e and outcom e ofone average Latvian inhabitantin LVL A verage gross monthly salary A verage realm onthly salary A verage size of old age pension Complete minimum consum er basketof goods and services per capita,yearly average Appendix 4 Dynamics of Written Gross Premiums and Claims Paid gross Dynam ics ofw ritten Prem ium s and Claim s Paid Written G ross Prem ium s Claims Paid gross

THE ORGANISATION AND FINANCING OF HEALTH CARE SYSTEM IN LATVIA

THE ORGANISATION AND FINANCING OF HEALTH CARE SYSTEM IN LATVIA THE ORGANISATION AND FINANCING OF HEALTH CARE SYSTEM IN LATVIA Eriks Mikitis Ministry of Health of the Republic of Latvia Department of Health Care Director General facts, financial resources Ministry

More information

2015 Medicare Supplement

2015 Medicare Supplement THE MANHATTAN LIFE 2015 Supplement This brochure is for solicitation of insurance and contact will be made by an insurance agent or insurance company. Underwritten by The Manhattan Life Insurance Company.

More information

how to choose the health plan that s right for you

how to choose the health plan that s right for you how to choose the health plan that s right for you It s easy to feel a little confused about where to start when choosing a health plan. Some people ask their friends, family, or co-workers for advice.

More information

National Guardian Life Insurance Company: Kuyper College Student Health Insurance Plan

National Guardian Life Insurance Company: Kuyper College Student Health Insurance Plan This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.studentplanscenter.com or by calling 1-800-756-3702.

More information

HEALTH INSURANCE TERMS TO KNOW

HEALTH INSURANCE TERMS TO KNOW HEALTH INSURANCE TERMS TO KNOW Premiums A premium is a fixed dollar amount that will stay the same each month whether you use the doctor a lot or don t go to the doctor at all that month. It is what you

More information

Health Insurance Basics:

Health Insurance Basics: Health Insurance Basics: Key Words and Phrases You Need to Know Shopping for insurance can be confusing, but the new health care law makes it easier to understand. This simple guide will help you make

More information

Health Care in Estonia. Kadri Eisenschmidt Health Care and Communications Department Estonian Health Insurance Fund 01.02.2016

Health Care in Estonia. Kadri Eisenschmidt Health Care and Communications Department Estonian Health Insurance Fund 01.02.2016 Health Care in Estonia Kadri Eisenschmidt Health Care and Communications Department Estonian Health Insurance Fund 01.02.2016 Health insurance in Estonia Estonian health insurance is a social insurance

More information

National Guardian Life Insurance Company Maine College of Art Student Health Insurance Plan Coverage Period: 09/01/2015-08/31/2016

National Guardian Life Insurance Company Maine College of Art Student Health Insurance Plan Coverage Period: 09/01/2015-08/31/2016 J3A59 National Guardian Life Insurance Company This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.studentplanscenter.com

More information

HEALTH INSURANCE: CHOICES PLANS DECISIONS

HEALTH INSURANCE: CHOICES PLANS DECISIONS HEALTH INSURANCE: CHOICES PLANS DECISIONS HERE ARE MANY CHOICES IN PRIVATE HEALTH INSURANCE. Most people receive group health insurance coverage through their employers. Some people buy individual plans.

More information

Health insurance terms and conditions No. VA 13/1

Health insurance terms and conditions No. VA 13/1 APPROVED Seesam Insurance AS Latvian branch 15 th January, 2013 Order No. 2013/4-pa Health insurance terms and conditions No. VA 13/1 Seesam Insurance AS Latvian branch (hereinafter the insurer) shall

More information

Cigna Open Access Plans for Tennessee

Cigna Open Access Plans for Tennessee Individual & Family Plans Insured by Connecticut General Life Insurance Company Cigna Open Access Plans for Tennessee medical & PHARMACY INSURANCE with the ONE-AND-ONLY YOU IN MIND. 858436 a 12/12 Services

More information

Vermont Blue 65. Coverage for Vermonters with Medicare. 2016 Medicare Supplemental Products. Group Brochure. An independent, local Vermont company

Vermont Blue 65. Coverage for Vermonters with Medicare. 2016 Medicare Supplemental Products. Group Brochure. An independent, local Vermont company Vermont Blue 65 SM Coverage for Vermonters with Medicare 2016 Medicare Supplemental Products Group Brochure An independent, local Vermont company Three smart steps to quality health care after retirement:

More information

Standard Life And Accident Insurance Company: PremiumSaver

Standard Life And Accident Insurance Company: PremiumSaver This is only a summary. This plan is supplemental to your group s major medical plan. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document

More information

Platinum Healthcare Plan Benefit comparison of Bronze, Silver, Gold & Platinum healthcare plans

Platinum Healthcare Plan Benefit comparison of Bronze, Silver, Gold & Platinum healthcare plans Platinum Healthcare Plan Benefit comparison of Bronze, Silver, Gold & Platinum healthcare plans Benefit description Maximum benefit Area of Cover ) Within stated benefit limits - 6 week wait rule applies

More information

National Guardian Life Insurance Co.: Platinum Level - Dean College Coverage Period: 8/14/15-8/13/16

National Guardian Life Insurance Co.: Platinum Level - Dean College Coverage Period: 8/14/15-8/13/16 This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.chpstudent.com or by calling 1-800-633-7867. Important

More information

My Health Insurance Comparison Worksheet

My Health Insurance Comparison Worksheet My Health Insurance Comparison Worksheet This worksheet will help you compare three health insurance options. Use the health insurance information provided to you by the insurance company to fill in the

More information

Even though you pay these expenses, they don t count toward the out-ofpocket limit.

Even though you pay these expenses, they don t count toward the out-ofpocket limit. This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.studentplanscenter.com or by calling 1-800-756-3702.

More information

UNIVERSITY POLICE BENEFITS SUMMARY

UNIVERSITY POLICE BENEFITS SUMMARY UNIVERSITY POLICE BENEFITS SUMMARY Medical Insurance Bradley University offers an Exclusive Provider Organization (EPO) and a Qualified High Deductible Health Plan (QHDHP) with two network options. The

More information

Worldwide health insurance, world class care

Worldwide health insurance, world class care Worldwide health insurance, world class care 2015 Worldwide health insurance, world class care If a brighter future means moving abroad, the quality and cost of healthcare can be a big worry. Make sure

More information

University of Southern California USC. USC Senior Care. A Supplemental Plan to Medicare

University of Southern California USC. USC Senior Care. A Supplemental Plan to Medicare Senior Care A Supplemental Plan to Medicare What is Senior Care and Who is Eligible? A sponsored supplemental plan to Medicare for former employees of the University of Southern California, their spouses,

More information

Insurance Payment Terms

Insurance Payment Terms increases from Bronze to Platinum, so does the amount that the plan covers (coinsurance). A Bronze plan usually has a lower premium (what you pay each month) and a higher out-of-pocket cost (what you pay

More information

INFORMATION ABOUT YOUR DISABILITY INSURANCE PLAN WITH LAFOURCHE PARISH SCHOOL BOARD

INFORMATION ABOUT YOUR DISABILITY INSURANCE PLAN WITH LAFOURCHE PARISH SCHOOL BOARD INFORMATION ABOUT YOUR DISABILITY INSURANCE PLAN WITH LAFOURCHE PARISH SCHOOL BOARD Disability Insurance Benefits are designed to help you replace a portion of your income if you are disabled. Disability

More information

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters: This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.studentplanscenter.com or by calling 1-800-756-3702.

More information

LAW OF MONGOLIA ON CITIZENS` HEALTH INSURANCE. CHAPTER ONE GENERAL PROVISIONS Article 1. Purpose of the Law

LAW OF MONGOLIA ON CITIZENS` HEALTH INSURANCE. CHAPTER ONE GENERAL PROVISIONS Article 1. Purpose of the Law LAW OF MONGOLIA ON CITIZENS` HEALTH INSURANCE CHAPTER ONE GENERAL PROVISIONS Article 1. Purpose of the Law The purpose of the present Law shall be to determine forms and scope of health insurance, to regulate

More information

Overview of Medical Service Regime in Japan

Overview of Medical Service Regime in Japan Overview of Medical Service Regime in Japan 75 years or older 10% copayment (Those with income comparable to current workforce have a copayment of 30%) 70 to 74 years old 20% copayment* (Those with income

More information

Total Plus Schedule of Benefits Below is a brief summary of benefits offered to eligible insureds under the IMG Maestro SM Total Plus plan option.

Total Plus Schedule of Benefits Below is a brief summary of benefits offered to eligible insureds under the IMG Maestro SM Total Plus plan option. Total Plus Schedule of s Below is a brief summary of benefits offered to eligible insureds under the IMG Maestro SM Total Plus plan option. Limit/Other Maximum Limit $8,000,000 per period of coverage Area

More information

Title Here Title Here Title Here Title Here Title

Title Here Title Here Title Here Title Here Title What You Need to Know about Health Insurance What You Need to Know about Health Insurance Title Here Title Here Title Here Title Here Title Here Choosing Title the Here Health Title Here Plan Title that

More information

YES! You CAN take it with you

YES! You CAN take it with you YES! You CAN take it with you You Are Now Eligible To Convert Your Current Long-Term Disability Insurance To Disability Conversion Insurance DCI Coverage For residents of New York State Group Insurance

More information

20:06:12:07. Guidelines for examination reports. The insurer's examination report shall

20:06:12:07. Guidelines for examination reports. The insurer's examination report shall 20:06:12:07. Guidelines for examination reports. The insurer's examination report shall be prepared in accordance with standards adopted by the National Association of Insurance Commissioners in the Financial

More information

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters: This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.studentplanscenter.com or by calling 1-800-756-3702.

More information

GLOSSARY OF MEDICAL AND INSURANCE TERMS

GLOSSARY OF MEDICAL AND INSURANCE TERMS GLOSSARY OF MEDICAL AND INSURANCE TERMS At Westfield Family Physicians we are aware that there are lots of words and phrases we used every day that may not be familiar to you, our patients. We are providing

More information

Student Health Insurance Plan Insurance Company Coverage Period: 07/01/2015-06/30/2016

Student Health Insurance Plan Insurance Company Coverage Period: 07/01/2015-06/30/2016 This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.studentplanscenter.com or by calling 1-800-756-3702.

More information

DESCRIPTIONS OF HEALTH CARE SYSTEMS: GERMANY AND THE NETHERLANDS

DESCRIPTIONS OF HEALTH CARE SYSTEMS: GERMANY AND THE NETHERLANDS DESCRIPTIONS OF HEALTH CARE SYSTEMS: GERMANY AND THE NETHERLANDS The German Health Care System Reinhard Busse, M.D. M.P.H. Professor of Health Care Management Berlin University of Technology & Charité

More information

What is HCC Life Short Term Medical (HCC Life STM ) What are my coverage options with HCC Life STM?

What is HCC Life Short Term Medical (HCC Life STM ) What are my coverage options with HCC Life STM? What is HCC Life Short Term Medical (HCC Life STM ) HCC Life STM provides affordable temporary health insurance to protect you and your family. You should consider purchasing HCC Life STM if you are concerned

More information

PRM and Social Rehabilitation in Latvia

PRM and Social Rehabilitation in Latvia PRM and Social Rehabilitation in Latvia Anda Nulle Aivars Vētra Latvian Assotiation of Physicians of Rehabilitology (LĀRA) 7th Congress of Baltic Assotiations for Rehabilitation (BAR) 17-18 September,

More information

Short-Term Disability

Short-Term Disability AMERICAN FIDELITY ASSURANCE COMPANY S Short-Term Disability Income Insurance Plan Designed Specifically For: Kansas Educators Plan Highlights s are paid directly to you, not to a doctor or your employer.

More information

It s Time for Medicare

It s Time for Medicare It s Time for Medicare med-waageinbook-1214 Medicare What you need to know. You re turning 65. Or you re already 65 and getting ready to retire and lose your healthcare coverage. You re almost ready for

More information

2015 Benefit Chart of Medicare Supplement Plans Outline of Coverage 1-888-708-0123 mhinsurance.com

2015 Benefit Chart of Medicare Supplement Plans Outline of Coverage 1-888-708-0123 mhinsurance.com 2015 Benefit Chart of Medicare Supplement Plans Outline of Coverage 1-888-708-0123 mhinsurance.com MEMBERS HEALTH INSURANCE COMPANY Home Office: P.O. Box 1424, Columbia, TN 38402-1424 1-888-708-0123;

More information

Background Briefing. Hungary s Healthcare System

Background Briefing. Hungary s Healthcare System Background Briefing Hungary s Healthcare System By Shannon C. Ferguson and Ben Irvine (2003) In the aftermath of communist rule, Hungary transformed its healthcare system from centralised Semashko state

More information

Kaukauna Area School District Employee Benefits Booklet 2015. Kaukauna Area School District. 2015 EMPLOYEE BENEFITS GUIDE

Kaukauna Area School District Employee Benefits Booklet 2015. Kaukauna Area School District. 2015 EMPLOYEE BENEFITS GUIDE Kaukauna Area School District Employee Benefits Booklet 2015 Kaukauna Area School District. 2015 EMPLOYEE BENEFITS GUIDE Quick Reference Guide Benefit Vendor Phone & Website Health Network Health Plan

More information

Health Insurance Basics:

Health Insurance Basics: Health Insurance Basics: Key Words and Phrases You Need to Know Shopping for insurance can be confusing, but the Affordable Care Act (ACA) makes it easier to understand. This simple guide will help you

More information

Aetna Medicare Advantage HMO SHBP Summary of Benefits and Coverage: What this Plan Covers & What it Costs

Aetna Medicare Advantage HMO SHBP Summary of Benefits and Coverage: What this Plan Covers & What it Costs This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.state.nj.us/treasury/pensions/health-benefits.shtml or

More information

Even though you pay these expenses, they don t count toward the out-ofpocket limit.

Even though you pay these expenses, they don t count toward the out-ofpocket limit. This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.studentplanscenter.com or by calling 1-800-756-3702.

More information

Comparative Health Care Systems. Folland et al Chapters 22

Comparative Health Care Systems. Folland et al Chapters 22 Comparative Health Care Systems. Folland et al Chapters 22 Chris Auld Economics 317 March 23, 2012 Health Care Systems. There are many different forms of health care delivery in place in different countries.

More information

Glossary of Health Coverage and Medical Terms

Glossary of Health Coverage and Medical Terms Glossary of Health Coverage and Medical Terms This glossary defines many commonly used terms, but isn t a full list. These glossary terms and definitions are intended to be educational and may be different

More information

BANK OF ISRAEL Office of the Spokesperson and Economic Information. Press Release

BANK OF ISRAEL Office of the Spokesperson and Economic Information. Press Release BANK OF ISRAEL Office of the Spokesperson and Economic Information Press Release March 24, 2015 Excerpt from the "Bank of Israel Annual Report for 2014" to be published soon: The Flow of Funds in National

More information

Get a quick quote at : www.aoc insurancebroker.com AOC International Health Insurance Glossary

Get a quick quote at : www.aoc insurancebroker.com AOC International Health Insurance Glossary Get a quick quote at : www.aoc insurancebroker.com AOC International Health Insurance Glossary Acupuncture According to traditional Chinese medicine (TCM) acupuncture deals with the flow of chi through

More information

Plan F* Plan G. Basic, including 100% Basic, including 100% Basic, including 100% Part B coinsurance. Skilled nursing facility coinsurance

Plan F* Plan G. Basic, including 100% Basic, including 100% Basic, including 100% Part B coinsurance. Skilled nursing facility coinsurance Outline of Coverage UnitedHealthcare Insurance Company Overview of Available s Benefit Chart of Medicare Supplement s Sold on or After June 1, 2010 This chart shows the benefits included in each of the

More information

Understanding Health Insurance Options in Retirement

Understanding Health Insurance Options in Retirement Understanding Health Insurance Options in Retirement A White Paper by Manning & Napier www.manning-napier.com 1 Over the past several years, the spike in the cost of health care and insurance premiums

More information

National Guardian Life Insurance Company: Rider University International Student Health Insurance Plan Coverage Period: 08/20/2015-08/20/2016

National Guardian Life Insurance Company: Rider University International Student Health Insurance Plan Coverage Period: 08/20/2015-08/20/2016 This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.studentplanscenter.com or by calling 1-800-756-3702.

More information

Health Insurance Marketplace

Health Insurance Marketplace Health Insurance Marketplace & Arkansas Health Connector Published by the City of Pine Bluff, Human Resources Department ** Federal Mandate ** The Affordable Care Act, a new healthcare law, requires that

More information

Long Term Disability Insurance

Long Term Disability Insurance Long Term Disability Insurance Massachusetts Board of Higher Education STANDARD INSURANCE COMPANY Long Term Disability Insurance Answers to your questions about coverage from Standard Insurance Company

More information

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters: This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.summitamerica-ins.com/wscc or by calling 1-800-955-1991.

More information

Important Questions Answers Why this Matters: What is the overall deductible?

Important Questions Answers Why this Matters: What is the overall deductible? This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at austintexas.gov/benefits or by calling 512-974-3284. Important

More information

Short-Term Disability

Short-Term Disability American Fidelity Assurance Company s Short-Term Disability Income Insurance Plan Designed Specifically For: New Mexico Schools Plan Highlights s are paid directly to you, not to a doctor or your employer.

More information

Schedule of Health Benefits Lighthouse Plan Effective June 1, 2015

Schedule of Health Benefits Lighthouse Plan Effective June 1, 2015 Health Insurance Act Benefits HI LOCAL TREATMENT AND SERVICES Public Ward, Psychiatric Ward, Hospice, Hospital Outpatient and Emergency Department, Physicians Services, Approved Diagnostic Imaging Facilities,

More information

Optional Insurance Programs FPPA

Optional Insurance Programs FPPA FPPA FPPA offers active members and retirees a variety of voluntary insurance benefits. The list of available programs is constantly being reviewed in order to provide our members the best, most affordable

More information

Important Questions Answers Why this Matters: What is the overall deductible?

Important Questions Answers Why this Matters: What is the overall deductible? This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.studentplanscenter.com or by calling 1-800-756-3702.

More information

Economics of A Family Practice in Krakow

Economics of A Family Practice in Krakow Economics of A Family Practice in Krakow Mukesh Chawla, Ph.D. Senior Health Economist and Department Associate Department of Population and International Health Harvard School of Public Health 665 Huntington

More information

The Federal Employees Health Benefits Program and Medicare

The Federal Employees Health Benefits Program and Medicare The Federal Employees Health Benefits Program and Medicare This booklet answers questions about how the Federal Employees Health Benefits (FEHB) Program and Medicare work together to provide health benefits

More information

Short Term Disability Insurance

Short Term Disability Insurance Short Term Disability Insurance This subsection summarizes the group Short Term Disability Insurance plan available through PEBB. It is a summary only. For full details, see the Certificate of Insurance

More information

Short Term Disability Insurance Coverage paid by you

Short Term Disability Insurance Coverage paid by you Short Term Disability Insurance Coverage paid by you Eligibility All active, full-time U.S. Employees, who are regularly working a minimum of 30 hours per week. Weekly Benefit 60% of your weekly earnings

More information

MAYFLOWER MUNICIPAL HEALTH GROUP ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ PPO REVIEW OF BENEFITS

MAYFLOWER MUNICIPAL HEALTH GROUP ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ PPO REVIEW OF BENEFITS Fiscal Year 2015 2016 MAYFLOWER MUNICIPAL HEALTH GROUP ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ PPO REVIEW OF S ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

More information

FREQUENTLY ASKED QUESTIONS: EMPLOYER MEDICAL OBLIGATIONS FOR FOREIGN WORKERS S PASS HOLDERS

FREQUENTLY ASKED QUESTIONS: EMPLOYER MEDICAL OBLIGATIONS FOR FOREIGN WORKERS S PASS HOLDERS FREQUENTLY ASKED QUESTIONS: EMPLOYER MEDICAL OBLIGATIONS FOR FOREIGN WORKERS S PASS HOLDERS (I) Q1 A1 Medical Obligations under Employment of Foreign Manpower Act What are the medical obligations of employers

More information

OVERVIEW OF YOUR BENEFITS

OVERVIEW OF YOUR BENEFITS OVERVIEW OF YOUR BENEFITS IMPORTANT PHONE NUMBERS Benefit Fund s Member Services Department (646) 473-9200 For answers to questions about your eligibility or prescription drug benefit. You can also visit

More information

The Healthy Michigan Plan Handbook

The Healthy Michigan Plan Handbook The Healthy Michigan Plan Handbook Introduction The Healthy Michigan Plan is a health care program through the Michigan Department of Community Health (MDCH). Eligibility for this program will be determined

More information

The Latvian Health System

The Latvian Health System The Latvian Health System Uldis Mitenbergs Wilm Quentin 9th Baltic Policy Dialogue, Riga, Latvia, 13-14 December 2012 Health Systems in Transition Describeshealth system and key reform initiatives Enables

More information

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters: This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.studentplanscenter.com or by calling 1-800-756-3702.

More information

Basic, including 100% Part B Coinsurance, except up to $20 copayment for office visit, and up to $50 copayment for ER Skilled Nursing.

Basic, including 100% Part B Coinsurance, except up to $20 copayment for office visit, and up to $50 copayment for ER Skilled Nursing. OMAHA INSURANCE COMPANY A Mutual of Omaha Company OUTLINE OF MEDICARE SUPPLEMENT COVERAGE COVER PAGE BENEFIT PLANS A, C, D, F, AND G This chart shows the benefits included in each of the standard Medicare

More information

Basic, including 100% Part B Coinsurance, except up to $20 copayment for office visit, and up to $50 copayment for ER Skilled Nursing.

Basic, including 100% Part B Coinsurance, except up to $20 copayment for office visit, and up to $50 copayment for ER Skilled Nursing. OMAHA INSURANCE COMPANY A Mutual of Omaha Company OUTLINE OF MEDICARE SUPPLEMENT COVERAGE COVER PAGE BENEFIT PLANS A, C, D, F, AND G This chart shows the benefits included in each of the standard Medicare

More information

Harvard Pilgrim s. Medicare Supplement Plan. Simple, smart solutions to supplement your Medicare coverage. Massachusetts

Harvard Pilgrim s. Medicare Supplement Plan. Simple, smart solutions to supplement your Medicare coverage. Massachusetts Harvard Pilgrim s Medicare Supplement Plan Simple, smart solutions to supplement your Medicare coverage Massachusetts Coverage underwritten by HPHC Insurance Company, an affiliate of Harvard Pilgrim Health

More information

Carpenters Health & Welfare Trust Fund for California Retiree Plan Comparison

Carpenters Health & Welfare Trust Fund for California Retiree Plan Comparison Carpenters Health & Welfare Trust Fund for California Retiree Plan Comparison Information Needed: Eligibility, Benefits, COBRA or Disability Claims: Indemnity Medical Plan Indemnity Hearing Aid Benefit

More information

GROUP SHORT TERM DISABILITY INSURANCE PROGRAM State of Michigan - Department of State Police CERTIFICATE OF INSURANCE We certify that the Person whose name appears on the enrollment card attached to this

More information

National Guardian Life Insurance Company - Platinum Plan for: Texas Wesleyan University Coverage Period: 8/1/15 7/31/16

National Guardian Life Insurance Company - Platinum Plan for: Texas Wesleyan University Coverage Period: 8/1/15 7/31/16 This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.chpstudent.com or by calling 1-800-633-7867. Important

More information

National Guardian Life Insurance Company: Earlham College Student Health Insurance Plan Coverage Period: 08/01/2015-07/31/2016

National Guardian Life Insurance Company: Earlham College Student Health Insurance Plan Coverage Period: 08/01/2015-07/31/2016 This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.studentplanscenter.com or by calling 1-800-756-3702.

More information

LOUDOUN COUNTY PUBLIC SCHOOLS

LOUDOUN COUNTY PUBLIC SCHOOLS LOUDOUN COUNTY PUBLIC SCHOOLS Open Access Plus (OAP) / Point of Service (POS) Employee Meetings February, 2013 Agenda Common Definitions Open Access Plus (OAP) Plan Highlights Coverage Examples How to

More information

STUDENT ACCIDENT INSURANCE

STUDENT ACCIDENT INSURANCE STUDENT ACCIDENT INSURANCE Parents & Guardians Does your child have adequate insurance? Do you have a deductible or co-pay with your current coverage? Multiple Coverage Options and Rates Dental Accident

More information

REPUBLIC OF LATVIA CABINET OF MINISTERS

REPUBLIC OF LATVIA CABINET OF MINISTERS Valid from: 24.02.2006 Published: Vēstnesis, 23.02.2006, no. 32 Published: ZIŅOTĀJS, 23.03.2006, no. 6 REPUBLIC OF LATVIA CABINET OF MINISTERS 31.01.2006 Riga Regulations No. 92 Regulations Regarding the

More information

Health Care Reform: Health Insurance Marketplace FAQs

Health Care Reform: Health Insurance Marketplace FAQs From Filice Insurance Health Care Reform: Health Insurance Marketplace FAQs What is a Health Insurance Marketplace? The Health Insurance Marketplace (Marketplace) is a way to find health coverage that

More information

Methods of financing health care

Methods of financing health care International Social Security Association Fifteenth International Conference of Social Security Actuaries and Statisticians Helsinki, Finland, 23-25 May 2007 Methods of financing health care Finnish national

More information

Private Fee-For-Service ----- Beneficiary Questions and Answers

Private Fee-For-Service ----- Beneficiary Questions and Answers Private Fee-For-Service ----- Beneficiary Questions and Answers 1. What Is a Private Fee-For-Service Plan? A Private Fee-For-Service plan is a Medicare Advantage health plan offered by a private insurance

More information

OPTION ONE DRUG 1 & DENTAL 1

OPTION ONE DRUG 1 & DENTAL 1 OPTION ONE DRUG & DENTAL An ideal plan for occasional prescriptions dental visits Highlights of Option One: Basic prescription drug coverage (70%) Basic dental coverage (70%) No medical questionnaire is

More information

No medical questions Affordable monthly premium Easy online enrollment

No medical questions Affordable monthly premium Easy online enrollment Limited benefit medical insurance coverage for individuals and families. No medical questions Affordable monthly premium Easy online enrollment The IHC Group is an insurance organization composed of Independence

More information

How to Use Your International Student Insurance Plan For the Students of. Presented by

How to Use Your International Student Insurance Plan For the Students of. Presented by How to Use Your International Student Insurance Plan For the Students of Presented by YOUR INSURANCE ID CARD Your ID cards will be emailed to you after the start of your session. If you have enrolled dependents,

More information

A B C D F F* G K L M N Basic,

A B C D F F* G K L M N Basic, Outline of Medicare Supplement Coverage Benefit Plans A, D, and F Corporate Office Omaha, NE Administrative Services PO Box 10386 Des Moines, IA 50306 www.gomedico.com Toll-Free 1-800-228-6080 This chart

More information

Benefit Chart of Medicare Supplement Plans Sold on or After January 1, 2014

Benefit Chart of Medicare Supplement Plans Sold on or After January 1, 2014 Benefit Chart of Medicare Supplement Plans Sold on or After January 1, 2014 This chart shows the benefits included in each of the standard Medicare Supplement plans. Every company must make available Plans

More information

Skilled Nursing Facility Coinsurance Part A Deductible Part B. Part B Excess (100%) Foreign Travel Emergency. Foreign Travel Emergency

Skilled Nursing Facility Coinsurance Part A Deductible Part B. Part B Excess (100%) Foreign Travel Emergency. Foreign Travel Emergency Montana OLD SURETY LIFE INSURANCE COMPANY 2014 ( effective 01/01/2014 ) Outline of Medicare Supplement Coverage Benefit Plans A and F Only are being offered by the company at this time. These charts show

More information

Offered by. Benefit Chart of Medicare Supplement Plans Sold on or After June 1, 2010

Offered by. Benefit Chart of Medicare Supplement Plans Sold on or After June 1, 2010 SecureBlue This chart shows the benefits included in each of the standard Medicare Supplement plans. Every company must make available Plans A, B and C or F. Some plans may not be available in your state.

More information

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters: This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.studentplanscenter.com or by calling 1-800-756-3702.

More information

Group Long Term Disability Insurance

Group Long Term Disability Insurance Group Long Term Disability Insurance The California State University S T A N D A R D I N S U R A N C E C O M P A N Y The following is a brief description of some of the coverage highlights for the California

More information

The Healthy Michigan Plan Handbook

The Healthy Michigan Plan Handbook The Healthy Michigan Plan Handbook Introduction The Healthy Michigan Plan is a health care program through the Michigan Department of Community Health (MDCH). The Healthy Michigan Plan provides health

More information

AFLAC MEDICARE SUPPLEMENT

AFLAC MEDICARE SUPPLEMENT AFLAC MEDICARE SUPPLEMENT P E N N S Y LVA N I A 2 0 13 IC(1/13) AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS Outline of Medicare Supplement Coverage Benefit Plans A, B, C, D, F, G and N Benefit

More information

Medicare Benefit Review

Medicare Benefit Review Medicare Benefit Review What is Medicare? Medicare is Health Insurance For people 65 or older For people under 65 with certain disabilities For people at any age with End-Stage Renal Disease (permanent

More information

Hospitalization and preventive care paid at 100%; other basic benefits paid at 50% Basic, including 100% Part B coinsurance. 100% Part B coinsurance

Hospitalization and preventive care paid at 100%; other basic benefits paid at 50% Basic, including 100% Part B coinsurance. 100% Part B coinsurance Health First Insurance, Inc. OUTLINE OF COVERAGE 2014 Benefit Plans A, F, N Benefit Chart of Medicare Supplement Plans Sold on or After June 1, 2010 This chart shows the benefits included in each of the

More information

Benefit Chart of Medicare Supplement Plans Sold On or After June 1, 2015

Benefit Chart of Medicare Supplement Plans Sold On or After June 1, 2015 Outline of Medicare Supplement Coverage Benefit Chart of Medicare Supplement Plans Sold On or After June 1, 2015 This chart shows the benefits included in each of the standard Medicare Supplement plans.

More information

Understanding Health Insurance

Understanding Health Insurance Understanding Health Insurance Health insurance can play an important role when it comes to medical bills and prescription medications it can help protect you from high expenses. There are many types of

More information

Fee-for-Service. Medicare Supplemental Retiree Health Plans

Fee-for-Service. Medicare Supplemental Retiree Health Plans Sheet Metal Workers Health Plan of Southern California, Arizona & Nevada April 2011 Summary Comparison Of Benefits Available under the Fee-for-Service and Medicare Supplemental Retiree Health Plans Important:

More information

West Virginia Children s Health Insurance Program

West Virginia Children s Health Insurance Program West Virginia Children s Health Insurance Program Billing Instruction Manual for Federally Qualified Health Centers (FQHC s) and Rural Health Centers (RHC s) Under a Prospective Payment System December

More information