HEARING - U.S. Senate Special Committee on Aging

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COMPARISON OF LONG TERM CARE POLICIES 189 CARRIER BLUE CROSS OF NORTH DAKOTA SKILLEO NURSING CARE DAILY BENEFIT $35 TIME LIMITATION 630 days Call types) RESTRICTIONS Nonparticipating provider * SO* Reduction in payrent to participating provider if insufficient funds INTERMEDIATE CARE OAILY BENEFIT TIME LIMITATION 630 days Call types) RESTRICTIONS Nonparticipating provider S0:; Reduction in payment to participating provider if insufficient funds CUSTOOIAL CARE DAILY BENEFIT TIME LIMITATION ^*NONEt RESTRICTIONS HOME HEALTH DAILY BENEFIT TIME LIMITATION "NONE' RESTRICTIONS ELIMINATION PERIOO 100 days (one time) $ MAXIMUMS (if any) _- _- _ _- _- - _- _ _-_- _ _- _- - _- _ _ _- _ _-_- - _- _ _- _- - _- -_- _- _ _-_- - _-_- - _- _ _- _- - _- _ _- _ -_ _ -_ --_-_ _ -_ _ _ -_ --_- _ _- _ 143 -
COGPARISON OF LONG TERM CARE POLICIES CARRIER EXTENSIONS PRE-EXISTING EXCLUSION all/iBO days OTHER EXCLUSIONS WAIVER OF PREMIUM 190 BLUE. CROSS OF NORTH DAKOTA services that could be provided in a lesser care facility cr at home any days that qualify for SNF benefits under Medicare or a SC Hospital Service contract EvIDENCE OF INSURABILITY short form medical cim exp of current BC insureds RENEWABILITY POLICY FEE? OTHER F E E' _ __ _ __ _ _ _ -- -- -- --- - -- -------- --- 10 day free look sold by agent provider pays BCNO a one time paymient of $20/bed _- - -- - -- - -- - -- … - -- - -- - -- -_ - - -- - -- - PREMIUM RATES (monthly cost for $41/day benefit - 20 day elimination period) 65 $40.9S 6S-69 $51.35 70-74 $SS.4S 75-79 $64.1S $76. 20 (above rates if Subscriber.also carries BC Medicare Extended or other plan) If subscriber carries BC Regular Cov., rates s $12.20 for all ages RATE BASIS attained age (no max) ---------------------------------------------------------------------------- … - 144 -
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S. HRG. 100-69 CATASTROPHIC HEALTH
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CONTENTS Opening statement by Senat
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2 Second, I think the private insur
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4 So the question before us is how
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6 the elderly, long-term health car
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8 ments for our retirement. I might
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10 Mrs. YELINECK. Well, it would be
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12 As I understand it, you have not
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14 Mrs. YELINECK. One does not expe
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16 Senator BURDICK. Well, thank you
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18 Mrs. YEL.INECK. No. I started ou
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20 Therefore-I am supposed to take
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22 Chairman MELCHER. Well, I am ple
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24 month. Let us assume it costs $1
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26 STATEMENT BY SENATOR PETE WILSON
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28 Mrs. RIEGER. We have; we have wo
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30 Four years ago this August was w
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32 she has only 50 percent vision i
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34 Senator HEINZ. So it is both a p
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36 rich. Indeed, in the academic co
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38 pointedly in the comment from Mr
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40 finding out is that it is very l
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42 industry's role in providing cat
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44 Senator HEINZ. So things are wor
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46 Chairman MELCHER. In exactly the
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48 plement policy, what should that
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50 - 2 - I am Robert Shapland, Vice
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52 - 4 - CATASTRIPC PROTECTION IiDE
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54 -6- MiCIGAP INSJRANCE: A RPL1C/P
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56 To ensure that all of these cont
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58 - 10 - The HJAA also endorses Me
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60 - 12 - Finally, given that Congr
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62 - 14 - A recent HLAA survey of o
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64 Chairman MELCHER. Senator Heinz.
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66 Mr. SHAPLAND. I think we are in
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68 Those problems are real problems
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70 Mr. SHAPLAND. Oh, no. There are
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72 comprehension, and it is growing
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74 that educational process, and we
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76 So we have supported and activel
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78 Mr. SHIAPLAND. How much would nu
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80 rently being offered by the indu
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82 Recently, Karri Lynn has started
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84 Mr. Chairman and Members of the
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86 standards for voluntary certific
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88 non-group subscribers of reporti
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90 We believe a new federal program
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92 However, public awareness is nee
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94 Item 3 Testi~ony of GAIL SHEARER
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96 to Secretary Bowen's proposals c
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98 -4- most-states do not monitor t
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100 Catastrophic Protection within
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102 - a - participants and in part
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104 - 2-- Consumers Union suV orts
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106 29), but fails to acknowledge t
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108 explore all alternatives to lon
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110 adds to the complexity of Medic
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112 - 10- Consider first the propos
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114 - 12- insurance premiums and me
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Consunmer Unon Pubtishcr of Consume
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FOR RELEASE AT 9:00 P.M. H2ST) TUES
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120 Itema I CENTER FOR MEDICARE ALw
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Page 3 122 aide services, however,
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Page 5 state treasuries." 124 Judge
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126 462 6485 New Developments 10,05
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128 462 6-85 New Developments 10,05
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130 462 6-85 New Developments 10,05
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132 10,930 New Developments tI.PZ ;
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10,932 134 New Davelopments 492 346
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136 10,934 New Developments It! ;6
Page 141 and 142: 10,936 138 New Developmenlt I. Thc
Page 143 and 144: 140 10,938 New Development. 492 S-8
Page 145 and 146: 10,940 142 New Developments i92 586
Page 147 and 148: ATroR EYS -HARLES C. -ULiIN JUDITH
Page 149 and 150: 146 reformed its decision-making pr
Page 151 and 152: 148 : 14 2i57 New Developments 13,1
Page 153 and 154: ~ 150 a>, rsn Cdw ~w (e d rum 0A7,.
Page 155 and 156: 152 All Of these figures are based
Page 157 and 158: 154 The requirements of this Act sh
Page 159 and 160: 156 Drefting Note: Where the word "
Page 161 and 162: 158 (b) The issuance of the group p
Page 163 and 164: 160 (2) Contain a provision establi
Page 165 and 166: 162 and competitive reasons. It is
Page 167 and 168: 164 -13- E. Affordability of Long T
Page 169 and 170: NAIC LTC ADVISORY COMMITEE EXPOSURE
Page 171 and 172: Setinzn IS. Poicyx D~efinitieno aid
Page 173 and 174: 170 3. The term "noncancellable' ma
Page 175 and 176: 172 extension of benefits beyond th
Page 177 and 178: artinM B Requirmnts for Rplnmacwt 1
Page 179 and 180: 176 The above "Notice to Applicant"
Page 181 and 182: (pinnal Rasting &mdsninn 178 Benefi
Page 183 and 184: APPEMI!X B 180 OCWARISCN OF lVLCY i
Page 185 and 186: COMPAIeSON OF LOtG TEIM CoAt PfLtCI
Page 187 and 188: COMPABI:SZN OF LC#C TE" CAiE -OLICI
Page 189 and 190: COWaPAISON Of LOSt TERM CARE POLICI
Page 191: cowRiiSOi or touTE reM CasE nOuczcS
Page 195 and 196: SOME BASIC THINGS YOU SHOULD KNOW M
Page 197 and 198: Private health insurance is availab
Page 199 and 200: WHAT MEDICARE PART B PAYS 196 MEDIC
Page 201 and 202: EXPENSES NOT COVERED BY MEDICARE Me
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HEARING - U.S. Senate Special Committee on Aging

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