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
In this section
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.
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.
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.
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).
This fact sheet
demonstrates the value that Medigap provides to lower income and rural Medicare
beneficiaries, as well as less healthy beneficiaries.
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.
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.
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.
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.
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).
America’s Health Insurance Plans (AHIP) Board of Directors issued a statement regarding the need for-- and value of-- supplemental insurance coverage.
The AHIP Board of Directors released a statement on the role of long-term care insurance for an aging baby-boom population.
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.
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.