What you need to know about Lifetime Health Cover
|
|
|
- Patrick Thompson
- 8 years ago
- Views:
Transcription
1 What you need to know about Lifetime Health Cover
2 What is Lifetime Health Cover? Lifetime Health Cover involves a financial loading (LHC loading) on your private health insurance hospital cover (hospital cover). It is designed to encourage people to take out hospital cover earlier in life, and to maintain their cover. If you take out hospital cover earlier in life, and keep it, you will pay lower premiums compared to someone who joins when they re older. If you don t want to pay a LHC loading you need to buy hospital cover before your LHC deadline. Your deadline is 1 July following your 31 st birthday; or for new migrants, 12 months from your registration for Medicare. LHC loadings apply only to hospital cover. They do not apply to private health insurance general treatment cover (also known as ancillary cover or extras). Turning 31? If you take out hospital cover before 1 July following your 31st birthday, you will avoid paying a LHC loading on your hospital cover. If you take out hospital cover after this date you will pay a LHC loading of 2% for each year you are over 30. For example, if you take out hospital cover at the age of 40, you ll be paying an extra 20% on the cost of your hospital cover. If you wait until you are 50, you ll pay 40% more. And so on, up to a maximum of 70% more.
3 Examples:» Naomi turns 31 on 1 March She takes out a singles hospital cover policy on 21 April 2008 (before 1 July following her 31st birthday). The cost of her chosen hospital cover policy is $1,000 per year. If she waited until August 2008 (after 1 July following her 31st birthday) she would have to pay an extra 2% on the cost of her policy ($1,020 per year). If Naomi waited until October 2013, when she would be 36 years of age, to take out the same hospital cover policy, she would have to pay a LHC loading of 12%. This would be an extra $120. The LHC loading will apply for 10 years of continuous hospital cover, so over this period she would pay an extra $1,200.»Matt is 55. He has a private health insurance policy for general cover to help him pay for his glasses and dental treatment but he does not have hospital cover. If he now decides to take out hospital cover he will have to pay a LHC loading of 50%. That means if he takes out the same singles hospital cover as Naomi it will cost him $1,500 per year instead of $1,000. Over the 10 years in which the LHC loading applies he will pay an extra $5,000. New migrants If you are a new migrant to Australia, and are aged over the LHC deadline (1 July following your 31st birthday), special conditions apply. As a new migrant to Australia you do not have to pay a LHC loading if you take out hospital cover within 12 months of being registered for Medicare. After this time you have to pay a LHC loading of 2% more for each year you are aged over 30 when you take out hospital cover. As a migrant it is a good idea to consider taking out hospital cover in the first year after you register for Medicare. If you wait and take out hospital cover after this date you will pay more for your hospital cover as the price will also include the LHC loading. So, the older you are, the more it will cost.
4
5 Examples:»Hanh is aged 35 and she migrates to Australia on 1 March She has a permanent residency visa so she is eligible for Medicare. She applies for a Medicare card on 1 April If she takes out hospital cover before 1 April 2009, she pays no LHC loading. If Hanh delays purchasing hospital cover until after 1 April 2009 (one year after she applied for her Medicare card) a LHC loading based on her age is applied (2% for every year she is over the age of 30 at the time she takes out hospital cover). The important date is the date that Medicare Australia accepts her application for a Medicare card. Hanh s visa status is not important.»javier is aged 35 and he migrates to Australia on 1 March He has a temporary residency visa and is not eligible for Medicare. On 1 May 2010 he is accepted as an applicant for permanent residency and becomes eligible for Medicare. Javier applies for a Medicare card on 1 June If he takes out hospital cover before 1 June 2011, no LHC loading applies. If Javier delays until after 1 June 2011, a LHC loading based on his age is applied. The important date is the date that Medicare Australia accepts his application for a Medicare card. Javier s visa status is not important.»ilango is aged 25 and he migrates to Australia. LHC loadings do not apply to people until 1 July following their 31st birthday. Ilango has several years until 1 July following his 31st birthday to take out hospital cover without paying the LHC loading.
6 What if I miss my Lifetime Health Cover loading deadline? If you take out hospital cover after your LHC loading deadline you will have to pay a LHC loading of 2% for every year you are over 30. If you maintain continuous hospital cover for 10 years the LHC loading is removed and you will no longer have to pay the LHC loading on your hospital cover. However, if you choose to cancel your hospital cover then take it out again later you may have to pay a LHC loading when you rejoin. To cover small gaps, such as switching from one insurer to another, you are able to be without hospital cover for periods totalling 1094 days (i.e. one day less than three years) during your lifetime, without impacting on your LHC loading. If you have a gap of 1095 days you will pay a 2% loading. For every 365 days without cover after that, your LHC loading will increase by 2%. If you apply to your health insurer to suspend your hospital cover for a short period, and it agrees, this period of suspension does not impact on your LHC loading (you are considered to be maintaining your cover).
7 Are there any other special circumstances? If you are an Australian citizen or permanent resident who is overseas on your LHC loading deadline (i.e. 1 July following your 31st birthday), you will not pay a LHC loading if you purchase hospital cover before the first anniversary of the day you return to Australia. You are able to return to Australia for periods of up to 90 consecutive days, and are still considered to be overseas. Time spent on Norfolk Island is classified as time spent overseas and this can have different effects depending on the actual dates you were a resident on Norfolk Island. If you are a member of the Australian Defence Forces (ADF) your medical services are provided by the ADF, so you are considered to have hospital cover. If you discharge from the ADF after the 1 July following your 31st birthday, then you are considered to be using your permitted days without hospital cover (i.e permitted days in your lifetime). So you can take out hospital cover and still pay the base rate premium. If you discharge from the ADF before the 1 July following your 31st birthday, then the normal rules apply. If you hold a Department of Veterans Affairs (DVA) Gold Card you are considered to have hospital cover. If you have held a Gold Card at any time since 1 July 1999, and the card was subsequently withdrawn by the DVA, you may claim the period you held the card as a period with hospital cover. If you were born on or before 1 July 1934, you are exempt from the LHC loading. You can take out hospital cover at any time in the future and pay the base rate premium.
8 Where can I find out more about Lifetime Health Cover? There is a government website that provides information on private health insurance and Lifetime Health Cover. The web address for this site is: gov.au. Alternatively, you can call the toll free line of the Department of Health and Ageing on
Health fund arrangements to cover the gap
Australia s health system offers a comprehensive range of public and privately funded health services. You can choose whether to have Medicare cover only or a combination of Medicare and private health
Insure? Not sure? Upon request, PHIAC will produce a copy of this brochure in a language other than English.
Insure? Not sure? Australia s health system offers a comprehensive range of public and privately funded health services. You can choose whether to have Medicare cover only or a combination of Medicare
DID YOU KNOW? IMPORTANT INFORMATION
i DID YOU KNOW? IMPORTANT INFORMATION Why Medibank? Medibank is more than just about insuring your health. We have the people, services and resources to be your personal health partner, helping you to
Membership Suspension Guide
Membership Suspension Guide 2 3 At GMF Health we understand that there are times when you may need to consider suspending your health insurance cover. Travelling overseas for more than three months If
Medicare Benefits. As of 2012, approximately 50 million people were Medicare beneficiaries.
Medicare Benefits Medicare is the federal health insurance program for people age 65 and older, and those of all ages with certain disabilities, End-Stage Renal Disease (ESRD), or Lou Gehrig s disease
HEALTH INSURANCE HCF FAQs
HEALTH INSURANCE HCF FAQs What benefit is available through Member Advantage? Members receive a 5% discount off all current HCF hospital and extras products. What is the relationship between Member Advantage
Private health insurance policy details
Private health insurance policy details PRIVATE HEALTH INSURANCE YOU NEED TO KNOW The information on this page will help you complete Private health insurance policy details on page 4 of your tax return.
BUDGET 2014 ADSO S IMPACT ANALYSIS
BUDGET 2014 ADSO S IMPACT ANALYSIS This summary has been compiled from the Budget Papers, DVA s Budget Presentation, and analyses from industry, commercial and community organisations reports with the
MLC MasterKey Super & Pension Fundamentals MLC MasterKey Super & Pension How to Guide
MLC MasterKey Super & Pension Fundamentals MLC MasterKey Super & Pension How to Guide Preparation date 1 July 2015 Issued by The Trustee, MLC Nominees Pty Limited (MLC) ABN 93 002 814 959 AFSL 230702 The
CORPORATE VISITORS HEALTH COVER BUPA. FIND A HEALTHIER YOU
CORPORATE VISITORS HEALTH COVER BUPA. FIND A HEALTHIER YOU At Bupa, it s our purpose that makes us different helping our members to live longer, healthier, happier lives. So whatever your reason for visiting
Healthy Hospital 200 500
Hospital cover Healthy Hospital 200 500 Prefer to pay lower premiums? Healthy Hospital 200 & 500 offers the same comprehensive benefits as our Premium Hospital cover, with the addition of an excess. By
Title Here Title Here Title
What You Need to Know about Health Insurance What You Need to Know about Health Insurance Choosing a Health Plan Keeping and Using Health Insurance Title How Here to Keep Title Your Here Marketplace Title
VISITORS HEALTH COVER BUPA. FIND A HEALTHIER YOU
VISITORS HEALTH COVER BUPA. FIND A HEALTHIER YOU At Bupa, it s our purpose that makes us different helping our members to live longer, healthier, happier lives. So whatever your reason for visiting Australia,
Thinking about living in Australia? There are some changes New Zealanders need to know about.
Thinking about living in Australia? There are some changes New Zealanders need to know about. This information has been produced by the New Zealand Government. Introduction This booklet gives some general
Tax file number application or enquiry for an individual
Tax file number application or enquiry for an individual ABOUT TAX FILE NUMBERS The tax file number (TFN) is a unique number issued by the Tax Office to individuals and organisations to help the Tax Office
Contacting Social Security Visit our website www.socialsecurity.gov Call our toll-free number 1-800-772-1213 1-800-325-0778
Medicare Contacting Social Security Visit our website Our website, www.socialsecurity.gov, is a valuable resource for information about all of Social Security s programs. At our website you also can: Apply
MEDICARE & CONNECTIVITY TO AUSTRALIA
MEDICARE & CONNECTIVITY TO AUSTRALIA Medicare is the publicly funded Australian health system and is subsidised by a 1.5% Medicare levy, payable by all taxpayers, integrated in the pay-as-you-go payroll
PLEASE DO NOT STAPLE.
YOUR APPLICATION 1. Please complete this form USING BLACK INK and write within the boxes in CAPITAL LETTERS. Mark appropriate answer boxes with a CROSS. Start at the left of each answer space and leave
Private Health Improvements.
Private Health Improvements. Australia s health system is one of the best in the world a unique mix of public and private health care designed to make sure all Australians are well covered for their needs.
www.nextstepaustralia.com Healthcare in Australia
www.nextstepaustralia.com Healthcare in Australia Healthcare in Australia Australia has a complex healthcare system including both public & private provision. Medicare the state-run healthcare scheme is
SECTION 4 LEGISLATION ADMINISTERED BY DEFENCE
SECTION 4 LEGISLATION ADMINISTERED BY DEFENCE CHAPTER 10 ANNUAL REPORT ON ADMINISTRATION & OPERATION OF THE DEFENCE HOME LOAN Defence currently has two home ownership schemes in operation. The Defence
Planning for Medicare An Educational Resource from Blue Cross Blue Shield of Massachusetts
Planning for Medicare An Educational Resource from Blue Cross Blue Shield of Massachusetts Blue Cross Blue Shield of Massachusetts is an Independent Licensee of the Blue Cross and Blue Shield Association.
PrivateHealth.gov.au Australia s leading independent source of information about private health insurance
PrivateHealth.gov.au Australia s leading independent source of information about private health insurance There are many things to consider when looking into private health insurance how does it all work?
Medicare Factsheet. September 2, 2015 Page 1 of 6
Medicare Factsheet If you are enrolled in Medicare, you do not need to do anything with Covered California. If you have Medicare you are covered. No matter how you receive your Medicare benefits, whether
When you leave Australia, don t forget your superannuation
When you leave Australia, don t forget your superannuation Information for temporary residents leaving Australia. If you have worked in Australia as a temporary resident and have been paid $450 or more
TRICARE and CHAMPVA Content for Caregiver Guide
Health Care and Medical Insurance TRICARE TRICARE and CHAMPVA Content for Caregiver Guide TRICARE is the health insurance program for military beneficiaries. While active duty members and families are
How To Get Travel Insurance On The Go From Bupa.Com.Au
TRAVEL INSURANCE FOR COVER ON THE GO BUPA. FIND A HEALTHIER YOU Insurance issued by CGU Insurance Limited (CGU) ABN 27 004 478 371 AFSL 238291. Any advice contained in this document is general advice only
Please read the important instructions in this letter regarding requesting disenrollment from UnitedHealthcare.
Dear Member, Please read the important instructions in this letter regarding requesting disenrollment from UnitedHealthcare. Please look at the checklist below and see what situation applies to you. Each
Fund Rules. Bupa Australia Pty Limited. Effective from 1 September 2015. BUPALEGAL338441\0.3 Page 1 of 462
Fund Rules Bupa Australia Pty Limited Effective from 1 September 2015 BUPALEGAL338441\0.3 Page 1 of 462 CONTENTS SECTION NUMBER PAGE A INTRODUCTION 3 B INTERPRETATION AND DEFINITIONS 6 C MEMBERSHIP 12
Tax offsets QUESTION 19 SPOUSE TAX OFFSETS STOP NOTE. Did you have a spouse married or de facto?
Tax offsets 19 QUESTION 19 SPOUSE TAX OFFSETS Did you have a spouse married or de facto? STOP If you maintained a child or a student, you cannot complete your tax return using Retirees TaxPack 2004 see
AustChoice Super general reference guide (ACH.02)
AustChoice Super general reference guide (ACH.02) Issued: 28 May 2015 This guide contains important information not included in the AustChoice Super PDS. We recommend you read this entire guide. The information
Overseas Visitors Cover
straightforward health insurance Overseas Visitors Cover Australia welcomes you 2 3 Who are GMF Health? GMF Health is a not-for-profit Australian private health insurer, that s been providing affordable
MEDICARE 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,
Medicare Made Clear Answer Guide
Medicare Made Clear Answer Guide Y0066_100820_113217 File & Use 08252010 Medicare can be confusing. How do you find the best options to fit your needs? This guide has some answers that may be helpful.
CORPORATE VOLUNTARY DIRECT DEBIT APPLICATION
CORPORATE VOLUNTARY DIRECT DEBIT APPLICATION 1. Please complete this form USING BLACK INK and write within the boxes in CAPITAL LETTERS. Mark appropriate answer boxes with a CROSS. Start at the left of
ANZ Personal Banking GENERAL FEES AND CHARGES
ANZ Personal Banking GENERAL FEES AND CHARGES 23.11.2015 Contents General banking Credit cards Lending Housing loans Security for loans Car loans Personal Loans International payments and travel money
Before we discuss the differences between Part A and Part B, there are two terms that are important to understand: deductible and benefit period.
SLIDE 1 The ABCD s of Medicare Welcome to Health First s presentation of The ABCDs of Medicare. This is not a sales presentation it s for educational purposes and no plan specific benefits or details will
Your complimentary Medicare Guidebook
Learn Protect Assess Enroll Your complimentary Medicare Guidebook About this Guidebook If you or someone you care for is new to Medicare or will be soon, this Guidebook will help make Medicare easier to
Private health insurance policy details
Private health insurance policy details If question 23 or 27 asked you to complete this item because you paid, or your employer paid for you, a premium for an appropriate private health insurance policy
Fund Rules. Bupa Australia Pty Limited. Effective from 5 June 2015. BUPALEGAL338441\0.3 Page 1 of 462
Fund Rules Bupa Australia Pty Limited Effective from 5 June 2015 BUPALEGAL338441\0.3 Page 1 of 462 CONTENTS SECTION NUMBER PAGE A INTRODUCTION 3 B INTERPRETATION AND DEFINITIONS 6 C MEMBERSHIP 12 D CONTRIBUTIONS
BT Lifetime. Personal Super. Contents. 1. About BT Lifetime Personal Super 2 2. How super works 2 3.
Contents BT Lifetime Personal Super Product Disclosure Statement (PDS) Dated 1 July 2014 1. About BT Lifetime Personal Super 2 2. How super works 2 3. Benefits of investing with BT Lifetime Personal Super
Membership guide. Overseas Student Health Cover
Membership guide Overseas Student Health Cover Effective 1 April 2014 This guide applies to Medibank Overseas Student Health cover # You should read this guide in conjunction with the Cover summary that
Defence Health Fund Rules 1 September 2014
Defence Health Fund Rules 1 September 2014 Fund Rules 1 September 2014 Index A Introduction 2 A1 Rules Arrangement 2 A2 Health Benefits Fund 2 A3 Obligations to Insurer 2 A4 Governing Principles 2 A5 Use
City of Tuscaloosa GVTL-AE3M Revised: January 1, 2016 All Eligible Employees
City of Tuscaloosa GVTL-AE3M Revised: January 1, 2016 All Eligible Employees This Summary of Coverage provides a brief description of some of the terms, conditions, exclusions and limitations of Your employer
For issues on or after June 1, 2010, Medicare Supplement Basic Benefit Plans A, B, C, D, F, G, M, and N coverage includes:
1. What are the basic benefits on a Medicare Supplement Policy? For issues on or after June 1, 2010, Medicare Supplement Basic Benefit Plans A, B, C, D, F, G, M, and N coverage includes: a.) First 3 Pints
Contact Social Security
Medicare Contact Social Security Visit our website Our website, www.socialsecurity.gov, is a valuable resource for information about all of Social Security s programs. At our website you also can: Apply
What 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
Vanguard Financial Education Series. Understanding your health care coverage in retirement
Vanguard Financial Education Series health care Understanding your health care coverage in retirement When you retire, you ll need good health care coverage. Even if you re in the best of health now, you
Medicare Factsheet What is Medicare? Original Medicare (Part A and Part B) Medicare Advantage Plan (Part C) Prescription Drug Plans (Part D),
Medicare Factsheet If you are enrolled in Medicare, you do not need to do anything with Covered California. If you have Medicare you are covered. No matter how you receive your Medicare benefits, whether
Guide to the 457 Program. May 2012
Guide to the 457 Program May 2012 Background information Introduction Australia has a number of skilled migration programs each with a different aim and purpose. The 457 visa program is the simplest and
A guide to concession cards
A guide to concession cards humanservices.gov.au 2 A guide to concession cards Contents Introduction 4 Department of Human Services concession cards 4 Pensioner Concession Card 4 Health Care Card 6 Commonwealth
Overview Australian Public Health System Medicare
Overview Australian Public Health System Medicare May 2014 CONTENTS INTRODUCTION 1 The Public Healthcare System in Australia 1 MEDICARE 1 Medicare Benefits Schedule (MBS) 1 Medicare Services 1 What is
Key Features Guide. What you should know before purchasing private health insurance
Key Features Guide What you should know before purchasing private health insurance Table of Contents USING THIS GUIDE.......................................................... 2 KEY FEATURES OF HEALTH
An easy guide to buying private health insurance.
An easy guide to buying private health insurance. Getting private health insurance for tax a very simple check list 1 To save on tax you need appropriate hospital cover Most hospital covers will qualify
Our Insurance services. Where to find
Head Office 117 Camberwell Road Hawthorn East VIC 3123 PO Box 338 Camberwell VIC 3124 Branch Office 687 Mt Alexander Road Moonee Ponds VIC 3039 PO Box 210 Moonee Ponds VIC 3039 victeach.com.au 1300 654
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
A Guide for all Classified School Employees contributing to CalPERS Understanding Your CalPERS Defined Benefit Rights Rewards
A Guide for all Classified School Employees contributing to CalPERS Understanding Your CalPERS Defined Benefit Rights Rewards Publication 907 AFL-CIO California School Employees Association Revised September
SHORT STAY VISITORS COVER BUPA. FIND A HEALTHIER YOU
SHORT STAY VISITORS COVER BUPA. FIND A HEALTHIER YOU At Bupa, it s our purpose that makes us different helping our members to live longer, healthier, happier lives. So whatever your reason for visiting
Join GMHBA Transfer from an existing GMHBA membership Change my GMHBA cover
Application form September 2012 1. I wish to (please tick) Join GMHBA Transfer from an existing GMHBA membership Change my GMHBA cover GMHBA member number (existing members only) Cover or change of cover
Medicare provides benefits for a range of out-of-hospital and in-hospital services.
What is? is a program run by Australia that makes sure all Australians have access to free or low-cost medical, optometrical and hospital care, while also being free to choose private health services.
IMMIGRATION HEALTH SURCHARGE - QUESTIONS AND ANSWERS
IMMIGRATION HEALTH SURCHARGE - QUESTIONS AND ANSWERS Customer Q&A 1. When is the health surcharge being introduced? The surcharge will be introduced on 6 April 2015. It will apply to applications where
Fees we charge for consumer mortgage lending products
s we charge for consumer mortgage lending products Effective July 2015 Section 1: Understanding fees and charges When we may charge fees The Commonwealth Bank charges fees for administering your account
STATE OF MINNESOTA Department of Veterans Affairs
STATE OF MINNESOTA Department of Veterans Affairs State Soldiers Assistance Program (S.S.A.P) Minimum Qualifications Must be a veteran as defined by MN Statute 197.447: Minnesota Statute 197.447 Veteran,
State Teachers Retirement System of Ohio
If you are an STRS Ohio Defined Benefit Plan participant who is approaching retirement, there is some important information STRS Ohio would like you to be aware of regarding your retirement benefits. 1
What 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
Common Qualifying Events* Aetna Individual Policies- 2014
Quality health plans & benefits Healthier living Financial well-being Intelligent solutions Common Qualifying Events* Aetna Individual Policies- 2014 Qualifying Event Definition Supporting Documentation
Important information booklet for Australian Residents
.... About your membership Important information booklet for Australian Residents Contents 2 How do I make a claim? Making hospital claims Your hospital benefits from Medicare Making claims for medical
OVERSEAS STUDENT HEALTH COVER BUPA. FIND A HEALTHIER YOU
OVERSEAS STUDENT HEALTH COVER BUPA. FIND A HEALTHIER YOU At Bupa, it s our purpose that makes us different helping our members to live longer, healthier, happier lives. We focus on your health, so you
ACHPER NSW. PDHPE HSC Enrichment Day 2009. Core 1
ACHPER NSW PDHPE HSC Enrichment Day 2009 Core 1 Health Priorities in Australia Concept map of syllabus What role do health care facilities & services play in achieving better health for all Australians?
What is Medicare? The Different Parts of Medicare
Medicare and You The Different Parts of Medicare A Medicare Part A Hospital Insurance Inpatient care at hospitals, skilled nursing facility*, hospice and home health care. What is Medicare? Medicare is
Qualified Health Plan Individual Premium Rates for Arkansas. 2014 health insurance premiums for plans sold through the Health Insurance Marketplace
Qualified Health Plan Premium Rates for Arkansas AGE nontobacco 2014 health insurance premiums for plans sold through the Health Insurance Marketplace Premiums are listed first by the insurance company,
Medicare Supplement Insurance
Helping Older Persons With Legal & Long-Term Care Problems Medicare Supplement Insurance 1. What Is Medicare Supplement Insurance? Medicare Supplement Insurance, also known as MedSupp or MediGap is designed
Application Form July 2014
Application Form July 2014 1. I wish to (please tick) Join GMHBA Transfer from an existing GMHBA membership Change my cover GMHBA member number (existing members only) Cover or change of cover to commence
Your complimentary Medicare Guidebook
Learn Protect Assess Enroll Your complimentary Medicare Guidebook Learn Original Medicare... 4 Medicare Prescription Drug Coverage.............. 6 Medicare Supplement Insurance... 8 Medicare Advantage...
Medicare enrolment application
Medicare enrolment application When to use this form Use this form if you are: a migrant living in Australia applying for permanent residency and living in Australia a visitor to Australia an Australian
Getting started with Medicare.
Getting started with Medicare. Medicare Made Clear TM Get Answers: Medicare Education Look inside to: Understand the difference between Medicare plans Compare plans and choose the right one for you See
SunTerm life insurance (Joint first-to-die)
SunTerm life insurance (Joint first-to-die) Policy number: LI-1234,567-8 Owner: John Doe Mary Doe The following policy wording is provided solely for your convenience and reference. It is incomplete and
New York State Retiree Health Insurance and Related Benefits Frequently Asked Questions
New York State Retiree Health Insurance and Related Benefits Frequently Asked Questions 1.) Am I eligible to continue health insurance after I retire? You must meet three eligibility requirements to continue
Tax file number declaration
Instructions and form for taxpayers Individuals Tax file number declaration Information you provide in this declaration will allow your payer to work out how much tax to withhold from payments made to
ADVANTAGE OVERSEAS STUDENT HEALTH COVER BUPA. FIND A HEALTHIER YOU
ADVANTAGE OVERSEAS STUDENT HEALTH COVER BUPA. FIND A HEALTHIER YOU At Bupa, it s our purpose that makes us different helping our members to live longer, healthier, happier lives. We focus on your health,
Managing Your Health Care Costs in Retirement. Plain Talk Library
Managing Your Health Care Costs in Retirement Plain Talk Library If you re approaching retirement or you re already retired, you probably have many questions about the financial issues the years to come
Medicare and Employer-Based Coverage T he Basics
Medicare and Employer-Based Coverage T he Basics What is Medicare? A federal health insurance program Run by the Centers for Medicare and Medicaid Services (CMS) Benefit decisions controlled by the U.S.
08/19/2015. Understanding Medicare Enrollment Periods. Session Objectives. Lesson 1 Medicare Enrollment Overview
Understanding Medicare Enrollment Periods Information for those who counsel people with Medicare August 2015 Session Objectives This session will help you explain enrollment periods for Medicare Parts
Those under 65 with certain disabilities, or. Those of any age with End Stage Renal Disease (ESRD).
Medicare 101 Medicare Basics WHAT IS MEDICARE? Medicare is health insurance for: Individuals age 65 and older, Those under 65 with certain disabilities, or Those of any age with End Stage Renal Disease
Health Insurance After Age 65
1 GUIDE TO MEDICARE PLANNING Health Insurance After Age 65 Whether you are retired or still working, Medicare will likely become part of your life after you turn 65. In the United States today, most health
BT Super for Life. Product Disclosure Statement (PDS) Contents. Dated 1 July 2014
Contents BT Super for Life Product Disclosure Statement (PDS) Dated 1 July 2014 1. About BT Super for Life 2 2. How super works 2 3. Benefits of investing with BT Super for Life 3 4. Risks of super 5 5.
Local Government Employees Health Plan Application March 2014
Local Government Employees Health Plan Application March 2014 1. I wish to (please tick) Join GMHBA Transfer from an existing GMHBA membership Change my cover GMHBA member number (existing members only)
FREQUENTLY ASKED QUESTIONS HEALTH SAVINGS ACCOUNTS
FREQUENTLY ASKED QUESTIONS HEALTH SAVINGS ACCOUNTS What is an HSA? A health savings account (HSA) is a tax-favored savings account created for the purpose of paying medical expenses. Tax-deductible Contributions
Claim for Approved Child Care payments
Claim for Approved Child Care payments an annual lump sum payment for the 2014 2015 financial year Online Services When to use this form When to Claim Filling in this form Use our online services You do
Application for Bond Loan and Rental Grant assistance
Office use only (application number) Bond Loan Rental Grant Application for Bond Loan and Rental Grant assistance The Department of Housing and Public Works provides Bond Loans and Rental Grants to people
Applying for Coverage between March 31 and November 15, 2014
What You Need to Know about Health Insurance What You Need to Know about Health Insurance Choosing a Health Plan Applying for Health Insurance Title What Here to Do Title if You Here Are Title Uninsured
HALIFAX CASH ISA. Conditions and information
HALIFAX CASH ISA. Conditions and information Welcome to Halifax 3 Section 1 How these conditions work 5 Section 2 Special Conditions 7 ISA Saver Variable 12 ISA Saver Online 13 ISA Saver Fixed 14 Junior
OVERSEAS STUDENT HEALTH COVER BUPA. FIND A HEALTHIER YOU
OVERSEAS STUDENT HEALTH COVER BUPA. FIND A HEALTHIER YOU At Bupa, it s our purpose that makes us different helping our members to live longer, healthier, happier lives. We focus on your health, so you
Getting started with Medicare.
Getting started with Medicare. Medicare Made Clear TM Get Answers: Medicare Education Look inside to: Understand the difference between Medicare plans Compare plans and choose the right one for you See
A guide to concession cards
A guide to concession cards 2 A guide to concession cards Contents Introduction 5 What concession cards are available? 6 Commonwealth Seniors Health Card 11 If your card is lost or stolen 13 Who will appear
Programs. Summary of State Programs and Laws Highlighted in Faces of Maryland s Newly Insured. Medical Assistance for Families (SB 6)
Programs Summary of State Programs and Laws Highlighted in Faces of Maryland s Newly Insured Medical Assistance for Families (SB 6) Medical Assistance for Families provides full health care insurance to
A guide to help employers check work entitlement
DEPARTMENT OF LABOUR IMMIGRATION A guide to help employers check work entitlement FEBRUARY 2011 1 Contents INTRODUCTION 2 NEW LEGISLATION 2 What has changed? 2 BEST PRACTICE 2 Reasonable precautions and
The facts. Private health insurance.
The facts. Private health insurance. Fact. The rebate on private health insurance reduces pressure on public health spending. Private healthcare is funded through a combination of private health insurance
Your Medicare Options Guide Book
Your Medicare Options Guide Book H4152_ageinoptionsbook123 Accepted Turning 65? Time to get informed. Maybe you re not thinking about retirement yet. These days people are working and enjoying life longer