Insurance

From Senior Planet Resource Exchange

[edit] Overview

Health insurance is a type of insurance whereby the insurer pays the medical costs of the insured if the insured becomes sick due to covered causes, or due to accidents. The insurer may be a private organization or a government agency. Market-based health care systems such as that in the United States rely primarily on private health insurance.

The following are some who have insurance coverage:

• AARP

Health Insurance Quotes right here! AARP health insurance plans specifically designed to supplement Medicare. This supplemental insurance plan is offered to AARP members in association with United HealthCare Insurance Company. Since Medicare usually only takes care of just about 1/2 of your health expenses, AARP's health coverage plays the part of co-insurer, and will cover prescription medications along with many other benefits AARP

• Aetna

Medicare Advantage Medicare Advantage Choices | Available Plans | Prescription Coverage | What Sets Aetna Apart? | Eligibility | Enrollment | Grievance

What Are Aetna Medicare Advantage Plans?

With an Aetna Medicare Advantage Plan, Medicare contracts with Aetna to coordinate your Medicare coverage. Sometimes referred to as Medicare Part C, the plans cover the same or better benefits as the Original Medicare Plan, including Easy-to-budget co-pay and coinsurance amounts when you use network doctors and hospitals Often a lower monthly plan premium than you would pay for a Medicare supplement plan policy. Hospital (Part A), medical (Part B) and prescription drug coverage all in one plan, from one company, often for one monthly plan premium, if you choose a Medicare Advantage plan with Medicare prescription drug coverage Useful tip Think of Aetna Medicare Advantage Plans with Medicare prescription drug benefits as "all-in-one" plans. They're the only Medicare plan option that includes hospital, medical and prescription drug coverage all in one plan, from one company, often for one monthly plan premium. aetna

• AmeriHealth

AmeriHealth offers quality health care products and services designed specifically to meet the changing health care needs of our customers. With access to hundreds of area hospitals and thousands of providers, AmeriHealth is a leader in employee health benefits in New Jersey, Delaware and Pennsylvania.AmeriHealth

• Blue Cross/Blue Shield SR Pla

Empire BlueCross BlueShields commitment to innovation and customer advocacy has led to nearly seven decades of providing access to high-quality, affordable healthcare for the people of New York City and New York State. This dedication from Empire to its members distinguishes this award-winning health insurance organization from the competition.

Since 1935, Empire has built a tradition of service excellence in the New York region. The time-tested relationships with an extensive network of doctors and hospitals in New York are coupled with national brand recognition and respect for the BlueCross and BlueShield plans, benefiting the health and welfare of all of its members. This means that no matter where members live or work, the most recognized card in the healthcare industry can take care of their needs. blue cross blue shield

• Elderplan

Elderplan is a comprehensive Medicare plan with all the benefits—and more—that you need to stay independent and healthy. And you pay no additional premium.

Unlimited generic drugs and brand name drugs1 $0 co-pay for generic drugs1 $0 co-pay for regular doctor visits2 No referral for specialist visits But there's a lot more. Like generous preventive health coverage for vision, dental and cancer screenings. And you'll save big with up to $2,000 a year (up to $500 per quarter) for in-home care3...all of this and more for no additional plan premium!

Elderplan is a Medicare Advantage Special Needs Plan operating under a Medicare Advantage contract. Anyone entitled to Medicare Parts A and B and living in Brooklyn, Manhattan, Queens, Staten Island or the Bronx may apply. Enrolled members must continue to pay their Medicare premiums. This plan is available to anyone who has both Medical Assistance from the state and Medicare.Elderplan

• GHI

GHI Medicare Choice PPO lets you decide which doctors you want to see-even specialists-without a referral. So you get direct access to the health care you deserve from the health care providers of your choice. And you're covered wherever you go. This plan also offers prescription drug coverage with no deductible, low copayments, and even a plan with no coverage gap.

Learn more about GHI Medicare Choice PPO.GHI

GHI Medicare Prescription Drug Plan (Medicare Part D) GHI offers Medicare members a low-cost, stand-alone Medicare Prescription Drug Plan. Under GHI, you can choose a stand-alone Medicare Part D plan for prescriptions only, depending on your specific needs. Plus, our plans coordinate with other prescription drug programs, such as EPIC

• HIP

HIP offers five Medicare Advantage Prescription Drug (MA-PD) Plans, which provide all the coverage of Original Medicare plus Medicare Part D outpatient prescription drug coverage. Our MA-PD's include the traditional Health Maintenance Organization (HMO) Medicare plan called HIP VIP Medicare Plan, an in-network no-referral plan called HIP VIP Plus, and a Medicare Preferred Provider Organization (PPO) plan called HIP VIP Independence. New in 2007, we will offer two Special Needs Plans, which are custom designed to meet the needs of certain people. The HIP VIP Care Improvement Special Needs Plan is designed for Medicare individuals with diabetes, and the HIP VIP Dual Eligible Special Needs Plan is designed for individuals who are eligible for Medicare and any level of Medicaid Assistance.

HIP also offers a Medicare Advantage (MA) Plan without Medicare Part D Prescription Drug coverage. This plan is called HIP VIP Rx Carveout.

Open Access HMO Medicare Plan - HIP VIP Plus Plan HIP VIP Plus is an open access plan, which means you do not need a referral to see specialists in the HIP provider network. HIP VIP Plus works like the HIP VIP Medicare Plan but does not require referrals for in-network specialty care. HIP VIP Plus provides Medicare Part D Prescriptions Drugs, with coverage in the coverage gap for preferred generic formulary medications. To access the benefit summary for HIP VIP Plus, please refer to the links on the lefplus a disease management program to meet the additional needs of diabetic membe pump inhibitors, analgesics and antacidMedicare Part D Prescription Drug coverage. HIP

HIP is a Health Plan that has Medicare Advantage contracts and a Medicare Prescription Drug Program contract with the Centers for Medicare and Medicaid Services (CMS).

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• Medicare

• Met Life

• United Healthcare