A variety of specialized insurance products are offered
through the individual market and by employers as part of employee benefits
packages. These products are different than major-medical insurance – what
people commonly think of as traditional health insurance. Specialized coverage
helps individuals and their families manage their health care costs, protect
their financial security, and prepare for both expected and unforeseen life
events.
In this section
Latest Documents
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
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Strategic Communications
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05/10/12
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
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Clinical Affairs
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05/10/12
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
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04/30/12
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
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Clinical Affairs
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04/24/12
This fact sheet summarizes key findings from the HHS Assistant Secretary for Planning and Evaluation (ASPE) Report on Variation and Trends in Medigap Premiums. Most notably, the report found that overall, Medigap premiums have risen moderately over the past decade, and significantly more slowly than the growth in Medicare spending per beneficiary.
Research
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Clinical Affairs
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01/19/12
The Partnership to Protect Medigap is a non-partisan, educational and grassroots initiative of America's Health Insurance Plans (AHIP). The coalition is composed of seniors, their families and health care providers advocating for the preservation of Medicare Supplement insurance options.
AHIP Web Resources
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10/31/11
My Life. My family. is a national education campaign by America’s Health Insurance Plans (AHIP) to inform consumers about their risks of needing long-term care and the valuable financial protection long-term care insurance provides.
AHIP Web Resources
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10/31/11
Your Income at Risk is a non-profit, educational and grassroots initiative by America’s Health Insurance Plans (AHIP) that is working to help ensure Americans' financial security. The goal of the organization is to raise awareness about disability income insurance, which can help protect individuals and their families from financial hardship when illness or injury strikes.
AHIP Web Resources
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Product Policy
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10/31/11
Medigap supplemental coverage has long helped Medicare beneficiaries fill gaps in their benefits. Recently released data from the 2009 Medicare Current Beneficiary Survey (MCBS) serve as a reminder of the critical role played by Medigap coverage. The MCBS data show that Medigap is particularly important to low- and moderate-income beneficiaries, especially those living in rural areas.
Research
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Center for Policy and Research
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09/26/11
An informative report on how private Medicare Supplement (Medigap) insurance works, who purchases it, and what it covers. Describes recent product design changes to conform with the Medicare Improvements for Patients and Providers Act of 2008 (MIPPA).
Research
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Center for Policy and Research
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07/28/11
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