Specialized Coverage

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 Resources

Medigap Myths and Facts - [PDF]

As Congress and policymakers debate changes to the Medicare program, they should carefully evaluate the impact of any reform proposals on the vulnerable populations who rely on Medigap insurance and consider the facts in this document.

Reports/Research/White Papers | Clinical Affairs | 01/27/2015

Guide to Disability Income Insurance - [PDF]

This guide by America’s Health Insurance Plans includes information about how much income an individual would need if he or she became disabled and were unable to work. The guide also includes a checklist to help compare disability income insurance policies.

AHIP Consumer Guides | Product Policy | 02/27/2014

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 | 02/27/2014

New Report: Disability Insurers Saving Federal Government $2 Billion Annually, Extending Life of SSDI Program

As a result of private disability insurers’ return-to-work programs, nearly 65,000 employees each year rely less or not at all on public disability programs, saving the federal government $2 billion each year, according to a new first-of-its-kind analysis from Charles River Associates prepared for America's Health Insurance Plans (AHIP).

Press Releases | Strategic Communications | 09/26/2013

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/Research/White Papers | Clinical Affairs | 03/07/2013

My Life. My Family.

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.

Advocacy and Coalition Websites | 10/02/2012

The Partnership to Protect Medigap

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.

Advocacy and Coalition Websites | 10/02/2012

Your Income at Risk

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.

Advocacy and Coalition Websites | Product Policy | 10/02/2012

Low-Income & Rural Beneficiaries with Medigap Coverage, 2009 - [PDF]

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.

Reports/Research/White Papers | Center for Policy and Research | 09/26/2011

Medigap: What You Need To Know - [PDF]

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).

Reports/Research/White Papers | Center for Policy and Research | 07/28/2011

AHIP Board of Directors Statement on the Value of Supplemental Health Insurance - [PDF]

America’s Health Insurance Plans (AHIP) Board of Directors issued a statement regarding the need for-- and value of-- supplemental insurance coverage.

AHIP Board of Directors Statements | 03/08/2011

The Key Role of Insurance in Addressing America’s Long-Term Care Challenge - [PDF]

The AHIP Board of Directors released a statement on the role of long-term care insurance for an aging baby-boom population.

AHIP Board of Directors Statements | 03/09/2009

Guiding Principles for the Development of Quality Affordable Dental Coverage Based on Evidence - [PDF]

This paper presents principles as the foundation upon which to build guidelines and policies for dental coverage and makes recommendations to promote transparency and accountability.

Reports/Research/White Papers | 01/01/2008

An Employer’s Guide to Disability Income Insurance - [PDF]

An Employer’s Guide to Disability Income Insurance helps employers understand the benefits of offering disability income coverage to their employees, and introduces key concepts regarding the provisions of group disability insurance policies.

Reports/Research/White Papers | Product Policy | 03/13/2007