Help with Insurance
This section provides information on programs and services that
could help you locate and pay for insurance and health care services.
The text includes state and federal web-site links. For county-specific
resource information, click "Search for Information"
located at the top of each page.
Reduced Auto Insurance Rates
Health Insurance Terms
Long Term Care Insurance
Medicaid
Medicare
Medigap Insurance
State Health Insurance Program (SHIP)
Reduced Auto Insurance Rates
Insurance companies may offer discounts on automobile insurance
policies for NJ drivers 65 or older. Contact your local insurance
company.
Health Insurance Terms
Health insurance benefits are available through a variety of plans
including HMO's, Managed Care, Point of Service, etc. Visit the
Department of Banking and Insurance website for information about the different
plans.
Long Term Care Insurance
Long
Term Care Insurance is a type of insurance policy designed
to cover long-term care expenses in a facility or at home. Neither
Medicare nor Medicare supplemental insurance (Medigap) will pay
for these expenses. For more information contact the State
Health Insurance Assistance Program or your
local AAA.
Medicaid
Medicaid
is a government health insurance program for low-income individuals.
Navigating Medicare and Medicaid, 2005: Medicaid
This guide provides information about federal Medicaid requirements and describes some of the ways that states can go beyond federal standards to meet the diverse needs of people with disabilities of all ages.
Medicare
Medicare
is the national health insurance for people over 65 and certain
disabled people under 65. Part A covers a percentage of hospital
expenses. Part B covers a percentage of doctors bills and other
medical expenses.
Navigating Medicare and Medicaid, 2005:
A Resource Guide for People with Disabilities, Their Families, and Their Advocates
This guide explains the role Medicare and Medicaid have come to play in the lives and the futures of roughly 20 million children, adults, and seniors with disabilities - and gives people with disabilities new information to help them get the most from these programs.
MyMedicare.Gov
This is a secure online service for accessing Medicare information. As a registered user of My.Medicare.gov, you will have access to personalized information regarding your Medicare benefits and services. You may use MyMedicare.gov to view claims, eligibility, enrollment information, entitlement and services information, Part D enrollment plans, access online forms, etc. Go to the website to learn how to register.
Medigap Insurance
Medigap
insurance is designed specifically to supplement and
complement Medicare benefits by filling in some of the gaps in coverage.
Medigap insurance policies are non-group policies that may pay for
Medicare deductibles, prescription drugs, or other services not
covered by Medicare.
State Health Insurance Assistance Program (SHIP)
The SHIP
provides free help to New Jersey Medicare beneficiaries who have
problems with, or questions about Medicare supplement policies,
long-term care insurance policies, benefits or claims. Volunteer
counselors, trained in areas of health insurance coverage and benefits
that affect Medicare beneficiaries, evaluate health insurance needs
and provide information and assistance for dealing with claims.
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