Applications for the purchase of disability or other medical insurance policies or certificates, that are provided to persons eligible for medicare, must disclose the extent to which the policy duplicates medicare. The disclosure must be in the form provided by this section. The applicable disclosure statement must be provided as a part of, or together with, the application for the policy or certificate.
(1) Instructions for use of the disclosure statements for health insurance policies sold to medicare beneficiaries that duplicate medicare.
(a) Section 1882(d) of the federal Social Security Act [42 U.S.C. 1395ss] prohibits the sale of a disability or other health insurance policy (the term "policy" or "policies" includes certificates and contracts of all issuers) that duplicate medicare benefits unless it will pay benefits without regard to other disability or other health coverage and it includes the prescribed disclosure statement on or together with the application.
(b) All types of disability or other health insurance policies that duplicate medicare must include one of the attached disclosure statements, according to the particular policy type involved, on the application or together with the application. The disclosure statement may not vary substantially from the attached statements in terms of language or format (type size, type proportional spacing, bold character, line spacing, and usage of boxes around text).
(c) State and federal law prohibits insurers from selling a medicare supplement policy to a person that already has a medicare supplement policy except as a replacement.
(d) Property/casualty and life insurance policies are not considered disability or other health insurance.
(e) Disability income policies are not considered to provide benefits that duplicate medicare.
(f) Long-term care insurance policies that coordinate with medicare and other health insurance are not considered to provide benefits that duplicate medicare.
(g) The federal law does not preempt state laws that are more stringent than the federal requirements.
(h) The federal law does not preempt existing state form filing requirements.
(2) Disclosure statement to be used for policies that provide benefits for expenses incurred for accidental injury only.
IMPORTANT NOTICE TO PERSONS ON MEDICARE THIS INSURANCE DUPLICATES SOME MEDICARE BENEFITS |
This is not Medicare Supplement Insurance
This insurance provides limited benefits, if you meet the policy conditions, for hospital or medical expenses that result from accidental injury. It does not pay your medicare deductibles or coinsurance and is not a substitute for medicare supplement insurance.
This insurance duplicates medicare benefits when it pays:
| |
| • | hospital or medical expenses up to the maximum stated in the policy |
Medicare generally pays for most or all of these expenses.
Medicare pays extensive benefits for medically necessary services regardless of the reason you need them. These include:
| |
| • | [outpatient prescription drugs if you are enrolled in medicare Part D] |
| |
| • | other approved items and services |
Before You Buy This Insurance |
| |
| √ | Check the coverage in all health insurance policies you already have. |
| |
| √ | For more information about medicare and medicare supplement insurance, review the Guide to Health Insurance for People with Medicare, available from the insurance company. |
| |
| √ | For help in understanding your health insurance, contact your state insurance department or state health insurance assistance program [SHIP]. |
(3) Disclosure statement to be used with policies that provide benefits for specified limited services.
IMPORTANT NOTICE TO PERSONS ON MEDICARE THIS INSURANCE DUPLICATES SOME MEDICARE BENEFITS |
This is not Medicare Supplement Insurance
This insurance provides limited benefits, if you meet the policy conditions, for expenses relating to the specific services listed in the policy. It does not pay your medicare deductibles or coinsurance and is not a substitute for medicare supplement insurance.
This insurance duplicates medicare benefits when:
| |
| • | any of the services covered by the policy are also covered by medicare |
Medicare pays extensive benefits for medically necessary services regardless of the reason you need them. These include:
| |
| • | [outpatient prescription drugs if you are enrolled in medicare Part D] |
| |
| • | other approved items and services |
Before You Buy This Insurance |
| |
| √ | Check the coverage in all health insurance policies you already have. |
| |
| √ | For more information about medicare and medicare supplement insurance, review the Guide to Health Insurance for People with Medicare, available from the insurance company. |
| |
| √ | For help in understanding your health insurance, contact your state insurance department or state health insurance assistance program [SHIP]. |
(4) Disclosure statement to be used with policies that reimburse expenses incurred for specified disease(s) or other specified impairment(s). This includes expense incurred cancer, specified disease and other types of health insurance policies that limit reimbursement to named medical conditions.
IMPORTANT NOTICE TO PERSONS ON MEDICARE THIS INSURANCE DUPLICATES SOME MEDICARE BENEFITS |
This is not Medicare Supplement Insurance
This insurance provides limited benefits, if you meet the policy conditions, for hospital or medical expenses only when you are treated for one of the specific diseases or health conditions listed in the policy. It does not pay your medicare deductibles or coinsurance and is not a substitute for medicare supplement insurance.
This insurance duplicates medicare benefits when it pays:
| |
| • | hospital or medical expenses up to the maximum stated in the policy |
Medicare generally pays for most or all of these expenses.
Medicare pays extensive benefits for medically necessary services regardless of the reason you need them. These include:
| |
| • | [outpatient prescription drugs if you are enrolled in medicare Part D] |
| |
| • | other approved items and services |
Before You Buy This Insurance |
| |
| √ | Check the coverage in all health insurance policies you already have. |
| |
| √ | For more information about medicare and medicare supplement insurance, review the Guide to Health Insurance for People with Medicare, available from the insurance company. |
| |
| √ | For help in understanding your health insurance, contact your state insurance department or state health insurance assistance program [SHIP]. |
(5) Disclosure statement to be used with policies that pay fixed dollar amounts for specified diseases or other specified impairments. This includes cancer, specified disease, and other health insurance policies that pay a scheduled benefit or specific payment based on diagnosis of the conditions named in the policy.
IMPORTANT NOTICE TO PERSONS ON MEDICARE THIS INSURANCE DUPLICATES SOME MEDICARE BENEFITS |
This is not Medicare Supplement Insurance
This insurance pays a fixed amount, regardless of your expenses, if you meet the policy conditions, for one of the specific diseases or health conditions named in the policy. It does not pay your medicare deductibles or coinsurance and is not a substitute for medicare supplement insurance.
This insurance duplicates medicare benefits because medicare generally pays for most of the expenses for the diagnosis and treatment of the specific conditions or diagnoses named in the policy.
Medicare pays extensive benefits for medically necessary services regardless of the reason you need them. These include:
| |
| • | [outpatient prescription drugs if you are enrolled in medicare Part D] |
| |
| • | other approved items and services |
Before You Buy This Insurance |
| |
| √ | Check the coverage in all health insurance policies you already have. |
| |
| √ | For more information about medicare and medicare supplement insurance, review the Guide to Health Insurance for People with Medicare, available from the insurance company. |
| |
| √ | For help in understanding your health insurance, contact your state insurance department or state health insurance assistance program [SHIP]. |
(6) Disclosure statement to be used with indemnity policies and other policies that pay a fixed dollar amount per day, excluding long-term care policies.
IMPORTANT NOTICE TO PERSONS ON MEDICARE THIS INSURANCE DUPLICATES SOME MEDICARE BENEFITS |
This is not Medicare Supplement Insurance
This insurance pays a fixed dollar amount, regardless of your expenses, for each day you meet the policy conditions. It does not pay your medicare deductibles or coinsurance and is not a substitute for medicare supplement insurance.
This insurance duplicates medicare benefits when:
| |
| • | any expenses or service covered by the policy are also covered by medicare |
Medicare generally pays for most or all of these expenses.
Medicare pays extensive benefits for medically necessary services regardless of the reason you need them. These include:
| |
| • | [outpatient prescription drugs if you are enrolled in medicare Part D] |
| |
| • | other approved items & services |
Before You Buy This Insurance |
| |
| √ | Check the coverage in all health insurance policies you already have. |
| |
| √ | For more information about medicare and medicare supplement insurance, review the Guide to Health Insurance for People with Medicare, available from the insurance company. |
| |
| √ | For help in understanding your health insurance, contact your state insurance department or state health insurance assistance program [SHIP]. |
(7) Disclosure statement to be used with policies that provide benefits for both expenses incurred and fixed indemnity basis.
IMPORTANT NOTICE TO PERSONS ON MEDICARE THIS INSURANCE DUPLICATES SOME MEDICARE BENEFITS |
This is not Medicare Supplement Insurance
This insurance pays limited reimbursement for expenses if you meet the conditions listed in the policy. It also pays a fixed amount, regardless of your expenses, if you meet other policy conditions. It does not pay your medicare deductibles or coinsurance and is not a substitute for medicare supplement insurance.
This insurance duplicates medicare benefits when:
| |
| • | any expenses or service covered by the policy are also covered by medicare; or |
| |
| • | it pays the fixed dollar amount stated in the policy and medicare covers the same event |
Medicare generally pays for most or all of these expenses.
Medicare pays extensive benefits for medically necessary services regardless of the reason you need them. These include:
| |
| • | [outpatient prescription drugs if you are enrolled in medicare Part D] |
| |
| • | other approved items & services |
Before You Buy This Insurance |
| |
| √ | Check the coverage in all health insurance policies you already have. |
| |
| √ | For more information about medicare and medicare supplement insurance, review the Guide to Health Insurance for People with Medicare, available from the insurance company. |
| |
| √ | For help in understanding your health insurance, contact your state insurance department or state health insurance assistance program [SHIP]. |
(8) Disclosure statement to be used with long-term care policies providing both nursing home and noninstitutional coverage.
IMPORTANT NOTICE TO PERSONS ON MEDICARE THIS INSURANCE DUPLICATES SOME MEDICARE BENEFITS |
This is not Medicare Supplement Insurance
Federal law requires us to inform you that this insurance duplicates medicare benefits in some situations.
| |
| • | This is long term care insurance that provides benefits for covered nursing home and home care services. |
| |
| • | In some situations medicare pays for short periods of skilled nursing home care, limited home health services and hospice care. |
| |
| • | This insurance does not pay your medicare deductibles or coinsurance and is not a substitute for medicare supplement insurance. |
Neither medicare nor medicare supplement insurance provides benefits for most long-term care expenses.
Before You Buy This Insurance |
| |
| √ | Check the coverage in all health insurance policies you already have. |
| |
| √ | For more information about long term care insurance, review the Shopper's Guide to Long Term Care Insurance, available from the insurance company. |
| |
| √ | For more information about medicare and medicare supplement insurance, review the Guide to Health Insurance for People with Medicare, available from the insurance company. |
| |
| √ | For help in understanding your health insurance, contact your state insurance department or state health insurance assistance program [SHIP]. |
(9) Disclosure statement to be used with policies providing nursing home benefits only.
IMPORTANT NOTICE TO PERSONS ON MEDICARE THIS INSURANCE DUPLICATES SOME MEDICARE BENEFITS |
This is not Medicare Supplement Insurance
Federal law requires us to inform you that this insurance duplicates medicare benefits in some situations.
| |
| • | This insurance provides benefits primarily for covered nursing home services. |
| |
| • | In some situations medicare pays for short periods of skilled nursing home care and hospice care. |
| |
| • | This insurance does not pay your medicare deductibles or coinsurance and is not a substitute for medicare supplement insurance. |
Neither medicare nor medicare supplement insurance provides benefits for most nursing home expenses.
Before You Buy This Insurance |
| |
| √ | Check the coverage in all health insurance policies you already have. |
| |
| √ | For more information about long term care insurance, review the Shopper's Guide to Long Term Care Insurance, available from the insurance company. |
| |
| √ | For more information about medicare and medicare supplement insurance, review the Guide to Health Insurance for People with Medicare, available from the insurance company. |
| |
| √ | For help in understanding your health insurance, contact your state insurance department or state health insurance assistance program [SHIP]. |
(10) Disclosure statement to be used with policies providing home care benefits only.
IMPORTANT NOTICE TO PERSONS ON MEDICARE THIS INSURANCE DUPLICATES SOME MEDICARE BENEFITS |
This is not Medicare Supplement Insurance
Federal law requires us to inform you that this insurance duplicates medicare benefits in some situations.
| |
| • | This insurance provides benefits primarily for covered home care services. |
| |
| • | In some situations, medicare will cover some health related services in your home and hospice care which may also be covered by this insurance. |
| |
| • | This insurance does not pay your medicare deductibles or coinsurance and is not a substitute for medicare supplement insurance. |
Neither medicare nor medicare supplement insurance provides benefits for most services in your home.
Before You Buy This Insurance |
| |
| √ | Check the coverage in all health insurance policies you already have. |
| |
| √ | For more information about long term care insurance, review the Shopper's Guide to Long Term Care Insurance, available from the insurance company. |
| |
| √ | For more information about medicare and medicare supplement insurance, review the Guide to Health Insurance for People with Medicare, available from the insurance company. |
| |
| √ | For help in understanding your health insurance, contact your state insurance department or state health insurance assistance program [SHIP]. |
(11) Disclosure statement to be used with other health insurance policies not specifically identified in the previous statements.
IMPORTANT NOTICE TO PERSONS ON MEDICARE THIS INSURANCE DUPLICATES SOME MEDICARE BENEFITS |
This is not Medicare Supplement Insurance
This insurance provides limited benefits if you meet the conditions listed in the policy. It does not pay your medicare deductibles or coinsurance and is not a substitute for medicare supplement insurance.
This insurance duplicates medicare benefits when it pays:
| |
| • | the benefits stated in the policy and coverage for the same event is provided by medicare |
Medicare generally pays for most or all of these expenses.
Medicare pays extensive benefits for medically necessary services regardless of the reason you need them. These include:
| |
| • | [outpatient prescription drugs if you are enrolled in medicare Part D] |
| |
| • | other approved items and services |
Before You Buy This Insurance |
| |
| √ | Check the coverage in all health insurance policies you already have. |
| |
| √ | For more information about medicare and medicare supplement insurance, review the Guide to Health Insurance for People with Medicare, available from the insurance company. |
| |
| √ | For help in understanding your health insurance, contact your state insurance department or state health insurance assistance program [SHIP]. |