Insurance & Benefits

Results: 11

• Health Insurance Information/Counseling (7)
  LH-3500

  Health Insurance Information/Counseling

  LH-3500
  
  Programs that offer information and guidance for people who need assistance in selecting appropriate health insurance coverage and which may also answer questions about health insurance benefits and help people complete insurance forms.
• Medicare (1)
  NS-8000.5000

  Medicare

  NS-8000.5000
  
  A federally funded health insurance program administered by the Centers for Medicare & Medicaid Services (CMS) under the U.S. Department of Health and Human Services for people age 65 and older; for individuals with disabilities younger than age 65 who have received or been determined eligible for Social Security Disability benefits for at least 24 consecutive months; and for insured workers and their dependents who have end stage renal disease and need dialysis or a kidney transplant. As with ESRD, the 24-month waiting period is waived for disability beneficiaries diagnosed with Amyotrophic Lateral Sclerosis (ALS, also called Lou Gehrig's disease). Premiums, deductibles and co-payments or out-of-pocket costs apply to Medicare coverage for most people. Special programs that assist with paying some or all of these costs are available for low income individuals who qualify. Medicare has four parts, but not every Medicare beneficiary has every part. Medicare Part A (Hospital Insurance) covers inpatient hospital stays, care in a skilled nursing facility, hospice care and home health care that meets the program eligibility criteria. Medicare Part B (Medical Insurance) covers services from doctors and other health care providers, outpatient care, home health care, durable medical equipment, preventive services and more. Together, Medicare Part A and Part B are called Original Medicare. Medicare Part C enables private insurance companies to offer Medicare Advantage (MA) Plans under contract with CMS that provide all Part A and Part B benefits to plan enrollees. Medicare Advantage Plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans and Medicare Medical Savings Account Plans. Some plans offer extra benefits and services that aren't covered by Original Medicare, sometimes for an extra cost; and most (but not all) include Medicare prescription drug coverage. Medicare Part D (Medicare prescription drug coverage) is an optional benefit that helps beneficiaries cover the cost of prescription drugs. The plans are offered by insurance companies and other private companies approved by Medicare and add prescription drug coverage to Original Medicare, some Medicare Private-Fee-for-Service Plans and Medicare Medical Savings Account Plans.
• Medicare Information/Counseling (1)
  LH-3500.5000

  Medicare Information/Counseling

  LH-3500.5000
  
  Programs that offer information and guidance for older adults and people with disabilities regarding their health insurance options with the objective of empowering them to make informed choices. Included is information about benefits covered (and not covered); the payment process; the rights of beneficiaries; the process for eligibility determinations, coverage denials and appeals; consumer safeguards; and options for filling the gap in Medicare coverage (Medigap supplement insurance). Also available is information relating to an individual's eligibility for benefits and assistance with evaluating their options and enrolling in a Medicare plan (A, B, C, and/or D) that will best meet their needs. These programs also address coordination of benefits when beneficiaries have other types of health insurance in addition to Medicare (e.g. Medicaid, employer coverage or retiree insurance) and provide counseling and assistance regarding the subsidies that are available to low income beneficiaries enrolled in the Part D Prescription Drug Benefit (which help pay for Part D premiums and reduce the cost of prescriptions at the pharmacy) and the Medicare Savings Programs which help pay for Medicare out-of-pocket costs. They may also provide information about Medicaid and the linkages between the two programs, referrals to appropriate state and local agencies involved in the Medicaid program, information about other Medicare-related entities (such as peer review organizations, Medicare-approved prescription drug plans, Medicare administrative contractors), and assistance in completing related Medicare insurance forms.
• Medicare Insurance Supplements (1)
  LH-3000.5000

  Medicare Insurance Supplements

  LH-3000.5000
  
  Organizations that offer insurance policies which pay for some health care costs that are not covered by Medicare. These generally include Medicare deductibles and co-payments, but not long-term care.
• Veteran Benefits Assistance (18)
  FT-1000.9000

  Veteran Benefits Assistance

  FT-1000.9000
  
  Programs that provide assistance for veterans who are having difficulty understanding and/or obtaining the full benefits and services to which they are entitled by law based on service to their country. The programs may help veterans understand the eligibility criteria for benefits, the benefits provided by the program, the payment process and the rights of beneficiaries; provide consultation and advice; help them complete benefits application forms; negotiate on their behalf with U.S. Department of Veterans Affairs staff; and/or represent them in administrative processes or judicial litigation. Included are Veteran Services Officers (VSOs) who are trained and accredited by the Veteran's Administration (VA) and can be found in offices specific to each state, the county courthouse, the local VA office and local veteran's rights organizations; as well as legal aid programs that offer more formalized legal assistance.
• Veteran Burial Benefits (2)
  NS-1000.9000

  Veteran Burial Benefits

  NS-1000.9000
  
  A program of the U.S. Department of Veteran Affairs that provides a variety of burial benefits for eligible deceased veterans of peacetime or wartime service who have been discharged under conditions other than dishonorable and, in the case of some benefits, for their dependents. Included are burial in a national cemetery (opening and closing the grave, headstones and markers and perpetual care); headstones and markers for graves of veterans that are located anywhere in the world as well as niche markers for urns; headstones or markers for memorial plots in situations where the veteran's remains are not available for burial; Presidential Memorial Certificates; and burial flags which drape the veteran's coffin and are given to the next of kin or close associate following the funeral. Burial and funeral allowances are also available to certain veterans under specified conditions.
• Veteran Compensation and Pension Benefits (2)
  NS-1800.9000

  Veteran Compensation and Pension Benefits

  NS-1800.9000
  
  Programs administered by the U.S. Department of Veterans Affairs that provide monthly payments to veterans who are disabled and were discharged under other than dishonorable conditions, their dependent children, surviving spouses and parents. Included are compensation benefits for veterans with service-connected disabilities; and pension benefits for veterans with limited incomes who are age 65 or older or are permanently and totally disabled as a result of a condition not related to military service. Veterans who are more seriously disabled may qualify for Aid and Attendance or Housebound benefits which are paid in addition to the basic compensation or pension rate. A veteran cannot receive both Aid and Attendance and Housebound benefits at the same time.
• Veteran Education Benefits (5)
  HL-8000.1800-900

  Veteran Education Benefits

  HL-8000.1800-900
  
  Programs administered by the U.S. Department of Veterans Affairs or other organizations that provide educational financial assistance for veterans and service personnel and their eligible dependents. Veterans and service personnel who served on active duty between January 31, 1955 and January 1, 1977 for specified periods of time are eligible for a variety of education benefits under the GI Bill including a stipend for tuition assistance at approved educational institutions. Veterans and service personnel who entered active duty after January 1, 1977 may participate in a voluntary contributory plan in which the individual's savings for a future education are administered and augmented by the government. Partial educational assistance is also available to the survivors of deceased or disabled veterans whose death or permanent and total disability was service-connected; and to the spouses and children of servicemen and women who have been listed for more than 90 days as missing in action, captured in the line of duty or forcibly detained by a foreign power.
• Veteran Life Insurance (1)
  NS-4500.9000

  Veteran Life Insurance

  NS-4500.9000
  
  A post-separation insurance program administered by the U.S. Department of Veteran Affairs that allows service members to convert their Servicemembers' Group Life Insurance (SGLI) coverage to renewable term insurance, Veterans' Group Life Insurance (VGLI). Members with full-time SGLI coverage are eligible for VGLI upon release from service and have one year and 120 days from the time of discharge to file their application. VGLI coverage is issued in multiples of $10,000 up to a maximum of $400,000. However, a service member's VGLI coverage amount cannot exceed the amount of SGLI they had in force at the time of separation from service. VGLI premiums are based upon the separating member's age. VA also manages life insurance programs for veterans of World War I, World War II and the Korean Conflict and for service disabled veterans of the Vietnam Conflict; and provides mortgage protection life insurance under a group policy for those disabled veterans who are given a VA grant to secure specially adapted housing.
• Veteran Survivors Benefits (2)
  NS-8200.9000

  Veteran Survivors Benefits

  NS-8200.9000
  
  A program administered by the U.S. Department of Veterans Affairs that provides special payments for the eligible survivors of deceased veterans whose wartime or peacetime service meets specific criteria for service-connected death compensation or non-service-connected death pensions. Eligible survivors (dependent children, surviving spouses and parents) who are seriously disabled may also qualify for Aid and Attendance or Housebound benefits which are paid in addition to the basic benefit.
• Veteran/Military Health Insurance (4)
  NS-8000.9000

  Veteran/Military Health Insurance

  NS-8000.9000
  
  Programs administered by the Department of Defense (DoD) Health Affairs Office or the U.S. Department of Veterans Affairs that provide health benefits coverage for eligible military personnel, eligible veterans and eligible dependents.