| Insurance - Long Term Care - Remedies for Aggrieved Policyholders |
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| Sometimes, the holder of a long-term care insurance contract feels that he or she did not get the benefit of his or her bargain with the insurance company. This may result, for example, from provisions that were clearly delineated in the policy, from items that were in the policy but were not well defined, or from the insurance company overstepping its bounds as an insurer. More... |
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| Medicare Rights |
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| Every person enrolled in Medicare, whether in Original Medicare (Parts A and B), Medicare Advantage (formerly Medicare+Choice), or a Medigap supplemental policy, has certain rights. Some of these rights relate to how enrollees are treated, some relate to enrollees' rights to care, and some relate to information, privacy, and appeals.
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| Medicare - Supplemental Health Insurance - Payment for Services and Proper Insurance Practices |
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| When an individual has purchased a Medigap insurance policy to supplement Medicare coverage, how medical bills are paid depends upon two factors: whether the medical provider accepts Medicare and whether the individual has arranged for his or her Medigap insurance company to send claims directly to Medicare. More... |
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| Asset Management - Viatical and Senior Settlements |
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| In a viatical or senior settlement, a person who owns a life insurance policy sells the policy for a lump sum payment, usually a percentage of the policy's face value, to a buyer. The buyer of the policy then becomes the beneficiary, pays the premiums, and receives the full amount of the insurance when the original owner dies. Viatical settlements can be risky for both the sellers and the buyers and should be evaluated carefully. More... |
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| Mandatory Services - Nursing Facility Services |
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| Medicaid is a federal entitlement program that provides health care coverage to Americans with low income and assets. Although the states administer Medicaid for their residents, there is a core group of services, known as mandatory services, they must provide. One of these services is the provision of nursing facility services for individuals who are at least 21 years old. The federal government dictates that only certain types of costs may be charged to residents of these facilities. More... |
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