Product and Market Issues

Institute 2012

Health insurance companies offer a wide array of products to help individuals and their families access and afford the health care they need while also providing financial protection when unexpected injury or illness arise. More than 200 million Americans receive coverage from private health plans from an employer, from the individual market or through government partnerships. Health plans are actively driving innovations to improve quality for patients and reduce the skyrocketing cost of health care. As the Affordable Care Act takes effect, health plans are working to adapt quickly to minimize disruptions across all markets so consumers can continue to have access to the coverage that they count on.

In this section:

Latest Documents

Demographics of Medigap Enrollees - [PDF]

This fact sheet details the demographics of Medigap enrollees highlighting the income range and likelihood of having one or more chronic conditions of Medigap policyholders compared to Medicare beneficiaries as a whole.

Infographics | Strategic Communications | 05/10/12

Medigap is Valuable to Subpopulations - [PDF]

This fact sheet demonstrates the value that Medigap provides to lower income and rural Medicare beneficiaries, as well as less healthy beneficiaries. 

Reports/Fact Sheets/Briefs/Talking Points | Clinical Affairs | 05/10/12

Guide to Long-Term Care Insurance - [PDF]

Long-term care (LTC) insurance is an important tool for protecting against financial risk should chronic illness or disability leave a person unable to perform activities of daily living. Going beyond medical care and nursing care LTC insurance provides assistance through a variety of services to help meet everyday needs. LTC benefits can be received in a nursing home, assisted-living facility, or in the home. Though older people use the most long-term care services, a young or middle-aged person who has been in an accident or suffered a debilitating illness may also need long-term care.

AHIP Consumer Guides | 04/30/12

Medigap Myths and Facts - [PDF]

Medicare supplement (Medigap) insurance is a vitally important product for beneficiaries who choose Medicare’s original fee-for-service (FFS) program (Parts A and B). The Medicare program does not have a limit on beneficiaries’ potential out-of-pocket exposure. Working in tandem with Medicare, it allows seniors and other beneficiaries – many of whom are on fixed incomes – to budget for medical costs and to avoid the confusion and inconvenience of handling complex medical bills from providers.

Research | Clinical Affairs | 04/24/12

Cigna: A Cigna Member Tells How the Health Plan Helped Her Following a Car Accident

AHIP member company produced video - Cigna: A Cigna Member Tells How the Health Plan Helped Her Following a Car Accident 

Videos | 03/09/12

Independence Blue Cross: Teaming Up to Address Patients’ Many Needs

Independence Blue Cross's doctors, nurses, medical assistants, and pharmacists work together to make sure that patients have the lab tests, primary and specialty care, and patient support they need to live healthy lives.

Videos | Center for Policy and Research | 03/09/12

Independence Blue Cross: Enabling Doctors and Nurses to Realize their Goals for Excellence

Independence Blue Cross video -  Enabling Doctors and Nurses to Realize their Goals for Excellence

Videos | Center for Policy and Research | 03/09/12

Kaiser Permanente: Using Web-Based Learning and Social Media to Help Patients Lose Weight

Kaiser Permanente Video - Using Web-Based Learning and Social Media to Help Patients Lose Weight

Videos | 03/09/12

Kaiser Permanente: Making Exercise a Vital Sign

Kaiser Permanente Video - Making Exercise a Vital Sign

Videos | Center for Policy and Research | 03/09/12
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