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Choosing a Medigap Policy: Guide to Health Insurance for People with Medicare

The most common method of treatment for common mental health disorders in primary care is psychotropic medication. This is due to the limited availability of psychological interventions, despite the fact that these treatments are generally preferred by patients. Since 2004, NICE has produced a series of guidelines on the care and treatment of common mental health disorders (see section 6 for details of related guidelines). Some of these guidelines focus on identification and recognition (for example, the guideline on depression), whereas others give little advice on identification (for example, the guideline on generalised anxiety disorder and panic disorder). In addition. | CENTERS FOR MEDICARE MEDICAID SERVICES 2012 Choosing a Medigap Policy A Guide to Health Insurance for People with Medicare This official government guide has important information about the following What is a Medigap Medicare Supplement Insurance policy What Medigap policies cover Your rights to buy a Medigap policy How to buy a Medigap policy This guide can help if you re thinking about buying a Medigap policy or already have one. Developed jointly by the Centers for Medicare Medicaid Services CMS and the National Association of Insurance Commissioners NAIC How to use this guide There are two ways to find the information you need 1. The Table of Contents on pages 3-4 can help you find the sections you need. 2. The List of Topics on pages 53-56 lists topics in this guide and the page number of where to find them. Who should read this guide This guide helps people with Medicare understand Medigap also called Medicare Supplement Insurance policies. A Medigap policy is a type of private insurance that helps you pay for some of the costs that Original Medicare doesn t cover. Table of Contents 3 Section 1 Medicare Basics 5 A brief look at Medicare.5 What is Medicare .6 The different parts of Medicare .6 Your Medicare coverage choices at a glance.7 Section 2 Medigap Basics 9 What is a Medigap policy .9 What Medigap policies cover.10 What Medigap policies don t cover.12 Types of coverage that are NOT Medigap policies.12 What types of Medigap policies can insurance companies sell .12 What do I need to know if I want to buy a Medigap policy .13 When is the best time to buy a Medigap policy .14 Why is it important to buy a Medigap policy when I m first eligible .16 How do insurance companies set prices for Medigap policies .17 What this pricing may mean for you . 18 Comparing Medigap costs .19 What is Medicare SELECT .20 How does Medigap help pay your Medicare Part B bills .20 Section 3 Your Right to Buy a Medigap Policy 21 What are guaranteed issue rights .21 When do I .