Health Care Article


Medigap

Medigap is supplemental health insurance that can help pay some of the expenses that are not covered by Medicare. For example, it may cover co-payments or some additional costs for a prolonged stay in a skilled nursing facility. As of 2006, new Medigap policies cannot, however, offer prescription drug coverage. Medicare now handles such coverage. (See the Medicare article on this webite)

It is important to carefully consider your particular situation in deciding whether this supplemental insurance is worth the extra expense. Contact the State Health Insurance Assistance Program (SHIP) Hotline at (800)432-4040. In addition, you can request a copy of Medicare’s publication, Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare or read and download the Guide from Medicare on-line.


Comments:

On 1/31/07
Erin said
The Arizona Department of Insurance also has resources for people with questions about Medigap insurance, including an annual Premium Comparison to aid comparison shopping. Call (602) 364-2499 or visit www.id.state.az.us for more information.

QUESTIONS

  • I have an adult handicapped daughter who lives alone and has been put in hospital for emergency care several times for severely neglecting herself;refusing to eat or receive help or care from family. She is paralyzed with Spina Bifida, mentally ill, and suicidal. Presently in hospital for her neglect.I am her mother.She needs long term care but refuses/How can I do it legally?
  • My mother's second husband (married 3 years) agrees with my brothers and I that my mother has progressing memory degeneration. We have asked her to get a check up for her own good. Her husband will not help us get her to go for a check up. Is there anything we can do?
  • if i lost my gun rights (due to going to prison) but waited 12 years after getting out and started buying guns , and then got charged with misconduct with weapons. Because i did not know i had to file something, but after my arrest i have filed and got my civil and gun rights back, but am facing a class 4 felony and 4.5 years in prison. Is this beatable in trial due to to the fact i have my rights back now, after my new arrest though. Please help ASAP
  • What is Medicare?
  • My mother had quad bypass surgery 10/07. Upon coming home from the hospital we needed a caregiver to help my mom take her meds go to the bathroom , feed herself , bathe herself etc. After 90 days my mothers LTC kicked in. We filed a claim with Humana , which is the provider that administers her medicare , on 04/20/07. We called a couple of weeks later and were told it takes 30 days to process. We then called the end of May and were told they have it but to wait another 30 days. We called at the end of June and were now told it was in the wrong dept but it would now be expedited. I called mid July spoke to a "manager " Joe Clark who said it was still in the worng dept but he wopuld expedite it and call me back in 1-2 days. NO CALL 10 days later I call and speak to Stephanie, and she tells me her sup. will call me back NO CALL. i call 5 days later speak to Woodley , he tells me he has no idea about the delay but will rush it. I call at the end of July speak to yet another manager who tells me they "changed" vendors and need me to refax the entire claim. She asks me what the claim is about I tell her and she tells me that what I described to her is really more "housekeeping" work and not covered. KEEP IN MIND she hasn't even reviewed the claim. I am now approaching 4 months since we first submitted this and I am at wits end. What are my options to get this expedited one way or another
  • My 91 year-old father has recently been admitted to an Altzheimer's long term care facility. My stepsister, his ex-wife and a fiduciary have healthcare Power of Attorney. The fiduciary is private and only acts as a substitute. I have no access to his medical records. I live in CA & cannot take charge of his care. He's medicated and sleepy all the time. How can I get access to his medical records without becoming responsible for his care from another state? My stepsister is not cooperative and has even threatened my visits with my father. The fiduciary interceded on my behalf. His ex-wife has taken all his assets.
  • are clinics allowed to charge interest on medical bills? are they required to file claims with my secondary insurance after medicare? can they refuse treatment for a balance on an account after medicare has paid?
  • I have been mostly supported by my spouse the last few years. After a heart attack, I am no longer able to work and trying to get on social security so I can eventually receive medicare. Social security told me that I have not worked enough quarters the last 15 years to qualify. What about all the years before that?
  • As a veteran, am I entitled to additional health benefits?
  • I have a Health Care Advance Directive from another state. Some of my friends say it is valid, others no. I suspect it is really up to the local hospital/doctor whether to honor it. Can you tell me if there is an AZ law that REQUIRES hospital/doctor to follow it? If so, can you tell me the law (statue??) that applies so I can refer to it if necessary? Thank you

STORIES

  • I just helped my mother, age 89, deal with her Medicare HMO. . .
  • He told me that I could actually get all the money I needed by using my home as collateral. . .
  • I just helped my mother, age 89, deal with her Medicare HMO. . .

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  • State Bar of Arizona
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