Elder Law Newsletters

Insurance - Long-Term Care - Features - Coverage, Benefits, and Related Issues

After a decision to purchase long-term case insurance has been made, a savvy consumer will closely compare policies to determine which, also taking cost into consideration, best fits his or her needs. Policies have many different features relating to the definition of long-term care; the amount and type of benefits and benefit periods; and exclusions. Additionally, some policies provide for death benefits.

Medicare - Private Fee-for-Service Plans - Coverage and Cost

Some Medicare enrollees choose to receive their services through private fee-for-service plans offered by private insurance companies. Although these plans differ from the Original Medicare Plan, enrollees are still part of the Medicare system. This article discusses how private fee-for-service plans work, what costs are involved for enrollees, and what services are covered.

Medicare - Supplemental Health Insurance - Payment for Services and Proper Insurance Practices

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.

National Family Caregiver Support Program

In 2000, the United States Congress enacted the National Family Caregiver Support Program (NFCSP). Although the legislation was originally designed to benefit only caregivers of relatives over the age of 59, it was altered before enactment to also benefit relatives over the age of 59 who were caring for children.

Secondary Payer Program

There are times when a person's health services may be covered both by Medicare and by another type of insurance, such as group health insurance, workers' compensation, or automobile insurance. In these cases, Medicare provides only secondary coverage, meaning that the other insurance is primarily liable on the claim.