The Health Insurance Information Program provides information to help guide you in making decisions regarding your health insurance options.
If you do not find the information you need from this web site, please contact us directly at our toll free number: 1-800-541-7735
Medicare A - Medicare Part A is designed to pay part of the costs of: Inpatient hospital care; related health care provided by skilled nursing facilities; home health care; and hospice care.
Medicare B - Medicare Part B is designed to help pay for: Physicians' services received as an inpatient or outpatient; additional medical services such as outpatient or emergency hospital care; therapy services; ambulance transportation; and equipment and supplies.
Supplementing Medicare Insurance -You may choose to obtain more comprehensive health insurance coverage because: Medicare was never designed to pay all the health care costs of the elderly; Medicare coverage has not kept pace with the rising costs of medical care; Medicare cost-sharing provisions have risen steadily since 1965; Medicare coverage has many gaps; and deductibles increase every year.
Supplemental Insurance Comparisons - Information and rates supplied by participating insurers to help you compare the costs associated with supplementing your Medicare plans.
Supplemental Insurance Comparison Form (pdf) - A simple form designed to help you sort through the complexities of comparing one insurance company's rates to another.
Medicaid - Medicaid pays for medical service for people who are low-income or who have medical costs higher than their monthly income.
Home and Community Based Waivers - Waivers that provide certain groups of clients enhanced medical benefits designed to help them stay at home rather than be institutionalized.
Qualified Medicare Beneficiary Program - A program that pays ALL costs associated with Medicare for those who qualify. This program pays: Medicare premiums for Hospital, (Part A), and Medical Insurance, (Part B); the yearly deductible for Medicare Hospital, (Part A), and Medical Insurance, (Part B); and the Medicare co-payment.
Specified Low-Income Medicare Beneficiary Program- A program that pays the Medicare Part B insurance premiums for those who qualify.
Long Term Care Insurance - Privately contracted insurance to protect the individual from financial ruin should they find that they are unable to care for themselves because of a prolonged illness or disability. The products and benefits allow for home care, assisted living care, and day care, as well as nursing home care.
Long Term Care Insurance Comparison Form (pdf) - A simple form designed to help you sort through the complexities of comparing up to three Long Term Care Insurance policies, and help you to determine the best policy for your needs.